Sage Capital Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income dropped 18.6% in Q2 2026, from -$2.6M to -$3.1M. It was the largest change from Q1 2026 among the key lines here. Sage Capital Bank ranks 125th of 184 Texas banks on CET1 ratio, in the lower half at 14.63% (Q2 2026). At 14.63%, Sage Capital Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.63% |
| Tier 1 risk-based capital ratio | 14.63% |
| Total risk-based capital ratio | 15.73% |
| Tier 1 leverage ratio | 10.38% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $78.6M |
| Tier 1 capital | $78.6M |
| Total risk-based capital | $84.5M |
| Total equity capital | $80.1M |
| Risk-weighted assets | $537.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.42% |
| Tangible equity to tangible assets | 9.88% |
| Equity capital to average assets | 10.51% |
| Internal capital growth rate | 14.31% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.8M |
| Common stock surplus | $9.4M |
| Retained earnings | $72.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 17.75% | 17.75% | 19.00% | 10.46% | $369.8M |
| Q4 2023 | 17.73% | 17.73% | 18.94% | 10.61% | $383.5M |
| Q1 2024 | 18.03% | 18.03% | 19.28% | 10.38% | $375.5M |
| Q2 2024 | 16.93% | 16.93% | 18.09% | 10.79% | $411.3M |
| Q3 2024 | 17.10% | 17.10% | 18.27% | 10.67% | $412.4M |
| Q4 2024 | 17.47% | 17.47% | 18.72% | 10.76% | $414.5M |
| Q1 2025 | 16.51% | 16.51% | 17.75% | 10.32% | $427.9M |
| Q2 2025 | 15.79% | 15.79% | 16.94% | 10.72% | $461.9M |
| Q3 2025 | 15.50% | 15.50% | 16.65% | 10.65% | $472.4M |
| Q4 2025 | 15.11% | 15.11% | 16.22% | 10.50% | $503.0M |
| Q1 2026 | 14.20% | 14.20% | 15.28% | 9.89% | $533.8M |
| Q2 2026 | 14.63% | 14.63% | 15.73% | 10.38% | $537.3M |
Sage Capital Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sage Capital Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Sage Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25621) · FFIEC NIC profile (RSSD 448554)