Bank of Sacramento

1750 Howe Avenue, Suite 100
Sacramento, CA 95825


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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 2.13
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

Loan Rates

Your Current Location: Virginia, VA 20146

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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 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% 8.87%

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 March 31, 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% 8.39%

Bank of Sacramento has a Return on Equity of 7.14% versus the BestCashCow average of 8.39%. 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.

Bank of Sacramento U.S. Bank Average
9.64% 11.94%

Bank of Sacramento has a Capitalization of 9.64% versus the BestCashCow average of 11.94%. 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.

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