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Overview / Commentary
1750 Howe Avenue, Suite 100
Sacramento, CA 95825

Bank of Sacramento is headquartered in Sacramento and is the 92nd largest bank in the state of California. It is also the 1,443rd largest bank in the nation. It was established in 1998 and as of March of 2014, it had grown to 66 employees at 4 locations. Bank of Sacramento has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Bank of Sacramento had $4.07 million in non-current loans and owned real-estate with $47.83 million in equity and loan loss allowances on hand to cover it. This gives Bank of Sacramento a Texas Ratio of 8.51% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Bank of Sacramento experienced no significant changes from 6.52% as of March 31, 2013 to 8.51% as of March 31, 2014, resulting in a negative change of 30.46%. This indicates that the balance sheet and financial strength for Bank of Sacramento has had no significant changes in recent periods.

Deposit Growth


In the past year, Bank of Sacramento has decreased its total deposits by -$16.16 million, resulting in -4.23% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Sacramento has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Sacramento has $468.4 million in assets with $47.83 million in equity, resulting in a capitalization level of 10.21%, which is above average.

Institution Statistics

FDIC Certificate #34713
Year Established1998
Primary RegulatorFED
Assets and Liabilities
Assets$468.40 million
Loans$270.57 million
Deposits$366.03 million
Equity Capital$43.84 million
Loan Loss Allowance$4.00 million
Unbacked Noncurrent Loans$1.45 million
Real Estate Owned$2.62 million
Historic Data - March 2013
Assets$463.90 million
Equity Capital$43.53 million
Loan Loss Allowance$4.15 million
Real Estate Owned$3.11 million
Profit Margin - Quarterly
Net Interest Margin3.42%
Return on Assets0.59%
Return on Equity6.29%
Interest Income$4.05 million

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Bank of Sacramento Locations
Capital Bbc Branch1415 L Street, Suite 100Sacramento, CA 95814
Roseville Office Branch1478 Stone Point Drive, Suite 200Roseville, CA 95661
Bank Of Sacramento1750 Howe Avenue, Suite 100Sacramento, CA 95825
Rancho Cordova Bbc Branch2882 Prospect Park Drive, Suite 240Rancho Cordova, CA 95670