Bank of Sacramento

1750 Howe Avenue, Suite 100
Sacramento, CA 95825

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 34713
Date Established 1998
Assets $0.48 billion
Loans $0.27 billion
Deposits $0.41 billion
Capital $0.05 billion

Bank of Sacramento is an FDIC insured institution located in Sacramento, CA. It was founded in 1998 and has approximately $0.47 billion in assets.

For a more detailed analysis of Bank of Sacramento's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bank of Sacramento’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Multifamily Mortgages.

Compared to other banks, Bank of Sacramento’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 2.13
Multifamily
Mortgages
12.24
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 12.20
Construction and Development Loans 4.69
Commercial Real Estate 63.94
Commercial and Industrial Loans 17.11
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Bank Of Sacramento, but see these great savings and CD rates:

1.25% APY Online Savings Account from Ally Bank
1.60% APY 11 Month CD from Ally Bank

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Sacramento

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
vLoan
NMLS ID: 2229
License#: MC-5591
4.078% 4.000% 0.38 $2,345 $1,194 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Bank of Sacramento
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Branches

Bank of Sacramento branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Bank of Sacramento Locations

Financial Details

Bank of Sacramento Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Sacramento. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Sacramento U.S. Bank Average
7.4% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Bank of Sacramento had $1,241,000 in non-current loans and $2,462,000 in owned real estate. To cover these potential losses it had $46,337,000 in equity and $3,717,000 in loans loss reserves. That gives it a Texas Ratio of 7.4%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Bank of Sacramento U.S. Bank Average
7.14% 8.58

Bank of Sacramento has a Return on Equity of 7.14% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Bank of Sacramento U.S. Bank Average
9.64% 12.11

Bank of Sacramento has a Capitalization of 9.64% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Sacramento Balance Sheet Analysis

As of September 30, 2014, Bank of Sacramento had assets of $468,558,000, loans of $269,562,000, and deposits of $409,824,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Bank of Sacramento

Branches and Savings

Is Bank of Sacramento FDIC insured?

Yes. It is covered under FDIC Certificate #34713.

Why does Bank of Sacramento pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank of Sacramento CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank of Sacramento a commercial bank?

Yes

Where are Bank of Sacramento locations?

See branch locations nearby.

Is Bank of Sacramento open on Saturdays?

Is Bank of Sacramento open on Sundays?

What time does Bank of Sacramento open?

What time does Bank of Sacramento close?

Are Bank of Sacramento ATMs Open 24/7?

Do Bank of Sacramento ATMs accept cash deposits?

Can Bank of Sacramento customers use other ATMs?

Do Bank of Sacramento branches have notaries?

Will Bank of Sacramento notarize my document?

What address for Bank of Sacramento should I put for incoming ACH transfers?

Will the Bank of Sacramento branch print checks?

Do Bank of Sacramento checks expire?

Does Bank of Sacramento require US citizenship to open account?

Can Bank of Sacramento close my account?

Does Bank of Sacramento Report to credit bureaus?

Does Bank of Sacramento Use Equifax?

What is Bank of Sacramento's ACH Routing Number?

What is Bank of Sacramento's SWIFT code?

Products

Does Bank of Sacramento offer mortgages?

Compare mortgage rates here.

Does Bank of Sacramento offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank of Sacramento offer personal loans?

Compare personal loan rates here.

Does Bank of Sacramento offer student loans?

Will Bank of Sacramento cash a check?

Will Bank of Sacramento redeem a savings bond?

Does Bank of Sacramento cash savings bonds?

Will Bank of Sacramento cash money orders?

Can Bank of Sacramento issue a money order?

Does Bank of Sacramento do currency exchange?

Background on The Bank

Who owns Bank of Sacramento?

How long has Bank of Sacramento been around?

Can Bank of Sacramento transfer to other banks?

Does Bank of Sacramento have quick pay?

Does Bank of Sacramento accept rolled coins?

Will Bank of Sacramento accept loose change?

Where is Bank of Sacramento headquarters?

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