SAGE CAPITAL BANK
SAGE CAPITAL BANK is an FDIC-insured commercial bank headquartered in GONZALES, TX, established in 1984. As of , 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 4.23%. CET1 capital ratio: 15.11%, well above regulatory minimums. NPL ratio: 1.18% · Texas Ratio: 6.61%. Operates 8 domestic branches.
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 15.11% | 1.55% | 1.18% | 6.61% | 4.23% |
| 2025-09-30 | 15.50% | 1.28% | 1.28% | 7.04% | 4.17% |
| 2025-06-30 | 15.79% | 1.32% | 1.44% | 7.74% | 4.28% |
| 2025-03-31 | 16.51% | 1.04% | 1.05% | 5.54% | 3.87% |
| 2024-12-31 | 17.47% | 1.39% | 0.46% | 2.34% | 4.04% |
| 2024-09-30 | 17.10% | 1.31% | 0.00% | 0.00% | 3.90% |
| 2024-06-30 | 16.93% | 1.16% | 0.00% | 0.00% | 3.91% |
| 2024-03-31 | 18.03% | 1.15% | 0.00% | 0.00% | 3.75% |
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Frequently asked about SAGE CAPITAL BANK
What are Sage Capital Bank's total assets?
As of the Q4 2025 filing, Sage Capital Bank reported total assets of $741.1 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Sage Capital Bank headquartered?
Sage Capital Bank is headquartered in GONZALES, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Sage Capital Bank founded?
Sage Capital Bank was established in 1984, per the FDIC institution directory.
Is Sage Capital Bank FDIC-insured?
Yes. Sage Capital Bank is an FDIC-insured commercial bank (FDIC Certificate #25621). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sage Capital Bank?
Sage Capital Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Sage Capital Bank's CET1 capital ratio?
Sage Capital Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.11% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Sage Capital Bank operate?
Sage Capital Bank operates 8 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Sage Capital Bank's Texas Ratio?
Sage Capital Bank's Texas Ratio is 6.61% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.