SAGE CAPITAL BANK

GONZALES, TX | Medium | Est. July 12, 1984, midnight | FDIC #25621 | RSSD #448554 | FDIC
Latest Report: 2025-12-31

SAGE CAPITAL BANK is amn medium FDIC-insured commercial bank headquartered in GONZALES, TX, established in July 12, 1984, midnight. As of 2025-12-31, the bank reported total assets of $741M and total deposits of $658M. Profitability stands at 1.55% ROA and 14.63% ROE, with a net interest margin of 4.37%. The bank's CET1 capital ratio is 15.11%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.08%. FDIC Certificate #25621.

Assets

$741M

Deposits

$658M

Loans

$467M

Equity

$78M

Profitability

Return on Assets (ROA) 1.55%
Return on Equity (ROE) 14.63%
Net Interest Margin (NIM) 4.37%
Yield on Assets 6.13%
Cost of Funds 1.83%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.08%
NPA Ratio 0.01%
ACL / Loans 1.12%

Capital & Liquidity

CET1 Ratio 15.11%
Tier 1 Capital 15.11%
Total Capital Ratio 16.22%
Leverage Ratio 10.50%
Loan-to-Deposit 70.99%

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