BanksSAGE CAPITAL BANK

SAGE CAPITAL BANK

GONZALES, TXMediumEst. July 12, 1984, midnightFDIC #25621RSSD #448554FDIC
Latest · 2025-12-31

SAGE CAPITAL BANK is an 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%. CET1 capital ratio: 15.11%, well above regulatory minimums. NPL ratio: 0.01% · Texas Ratio: 0.08%. Operates 8 domestic branches.

Assets
$741M
Deposits
$658M
Loans
$467M
Equity
$78M

Profitability

Return on Assets (ROA)1.55%
Return on Equity (ROE)14.63%
Net Interest Margin4.37%
Yield on Assets6.13%
Cost of Funds1.83%

Asset Quality

NPL Ratio0.01%
Net Charge-Off Ratio0.02%
Texas Ratio0.08%
NPA Ratio0.01%
ACL / Loans1.12%

Capital & Liquidity

CET1 Ratio15.11%
Tier 1 Capital15.11%
Total Capital Ratio16.22%
Leverage Ratio10.50%
Loan-to-Deposit70.99%

This is just the summary.

The full dashboard covers 4,287 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Peer benchmarking
Excel tearsheet exports
Risk & failure probability
Create free account

No credit card required