Sage Capital Bank
BankRegReports is independent of Sage Capital Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Sage Capital Bank is an FDIC-insured commercial bank headquartered in Gonzales, TX, established in 1984 (FDIC certificate 25621), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $768.9M, up 11.3% from Q2 2025, the 114th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 14.63% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 25621
- Headquarters
- Gonzales, TX
- Established
- 1984
- Total assets, Q2 2026
- $768.9M
- Assets vs Q2 2025
- +11.3%
- CET1 ratio, Q2 2026
- 14.63%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 114913711
- Holding company
- ANB BANCSHARES, INC.
- Asset rank in state
- 114th of 346 in Texas
Sage Capital Bank leans heavily on commercial real estate. The Gonzales, Texas bank had $769 million in assets at June 30, 2026, up 11.3% from a year earlier. It holds commercial real estate loans worth 3.3 times its capital, about triple the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also grew its loan book 17.2% over the year, about triple the median of 5.5% for banks its size.
Net income for the quarter rose 22% from a year earlier, to $2.8 million. Over the same year, loans grew 17.2% and deposits grew 11.7%.
As of June 30, 2026, Sage Capital Bank reported a CET1 capital ratio of 14.63%, a return on assets of 1.46%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.06%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Sage Capital Bank is the 114th largest of the 346 banks headquartered in Texas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.4% to $768.9M, loans rose 1.4% and deposits fell 0.7%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 38.9% of total loans, ahead of farmland and other real estate loans at 16.8%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities in TX; its Gonzales office books 51% of its branch deposits. Judged on its Q2 2026 call report, Sage Capital Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1606 N Sarah Dewitt Dr, Gonzales, TX 78629
- County
- Gonzales
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 12, 1984
- Former names
- Sage Capital Bank, National Association (2009-2017)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 104
- Domestic deposits
- $683.3M
- Allowance for credit losses
- $5.6M
- Net charge-offs (YTD)
- -$10K
- Average total assets
- $761.9M
- Average total loans
- $483.9M
- Average interest-bearing deposits
- $475.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 12, 1984
- FDIC Cert
- 25621
- Fed RSSD
- 448554
- Website
- www.sagecapitalbank.com →
- Parent Holding Company
- ANB BANCSHARES, INC. (RSSD 2536642)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Sage Capital Bank's total assets moved between a low of $638.7M (Q3 2023) and a high of $771.7M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$768.9M total assets against $690.8M; $688.8M total liabilities against $616.6M.
$495.3M net loans and leases against $422.4M; $683.3M total deposits against $611.7M.
$104.8M securities against $116.9M; $131.6M cash and balances due against $115.2M.
$10.7M total interest income against $9.6M; $3.0M total interest expense against $2.7M.
$7.7M net interest income against $6.9M.
$550K total noninterest income against $484K; $4.6M total noninterest expense against $4.3M.
$180K provision for credit losses against $120K.
$2.8M net income against $2.3M.
1.46% return on assets against 1.33%; 4.29% net interest margin against 4.28%.
14.63% CET1 capital ratio against 15.79%; 10.38% tier 1 leverage ratio against 10.72%.
Inside the full Sage Capital Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Sage Capital Bank rankings
Its closest position to the top of a national ranking is 1,291 of 4,196, for total assets; its furthest is 3,280 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.03% (Q1 2025) to 1.54% (Q4 2025) and its net interest margin ran from 3.87% (Q1 2025) to 4.29% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.63% | 1.46% | 0.01% | 0.06% | 4.29% |
| Q1 2026 | 14.20% | 1.27% | 0.01% | 0.07% | 4.12% |
| Q4 2025 | 15.11% | 1.54% | 0.01% | 0.08% | 4.22% |
| Q3 2025 | 15.50% | 1.29% | 0.02% | 0.11% | 4.18% |
| Q2 2025 | 15.79% | 1.33% | 0.04% | 0.23% | 4.28% |
| Q1 2025 | 16.51% | 1.03% | 0.05% | 0.29% | 3.87% |
| Q4 2024 | 17.47% | 1.37% | 0.00% | 0.00% | 4.02% |
| Q3 2024 | 17.10% | 1.31% | 0.00% | 0.00% | 3.91% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Sage Capital Bank, | Gonzales , TX | 78629 | $351.2M |
| San Marcos Branch | San Marcos , TX | 78666 | $108.0M |
| Lockhart Branch | Lockhart , TX | 78644 | $68.4M |
| Luling Branch | Luling , TX | 78648 | $54.2M |
| Spring Branch Branch | Spring Branch , TX | 78070 | $36.5M |
| Shiner Branch | Shiner , TX | 77984 | $36.0M |
| New Braunfels Branch | New Braunfels , TX | 78132 | $29.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 149 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 36 applications, 34 loans originated, $25.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $340K approved, $340K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Sage Capital Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Sage Capital Bank
What are Sage Capital Bank's total assets?
As of the Q2 2026 filing, Sage Capital Bank reported total assets of $768.9 million in its FFIEC call report.
Where is Sage Capital Bank headquartered?
It is headquartered in Gonzales, TX, United States.
When was Sage Capital Bank founded?
It was established in 1984, per the FDIC institution directory.
Is Sage Capital Bank FDIC-insured?
Yes. It 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.
What is Sage Capital Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.63% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Sage Capital Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Sage Capital Bank's Texas Ratio?
Its Texas Ratio is 0.06% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Sage Capital Bank previously called?
The charter now named Sage Capital Bank has also operated as Sage Capital Bank, National Association (2009-2017), per FDIC structure-change records.
Go deeper on Sage Capital Bank.
Get an email when Sage Capital Bank files its next call report, and benchmark it against any peer you choose.
Unlock Sage Capital Bank, freeFree account