Sage Capital Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits climbed 2.79 percentage points in Q2 2026, from 85.35% to 88.14%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Sage Capital Bank is 170th of 346 on loan-to-deposit ratio, 73.30% as of Q2 2026, above the middle of the field. Sage Capital Bank reported 73.30% on loan-to-deposit ratio for Q2 2026, 7.54 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $131.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $236.4M |
| Fed funds sold and reverse repos | $25.3M |
| Fed funds sold and reverse repos to assets | 3.29% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.30% |
| Net loans and leases to deposits | 72.48% |
| Loans and leases to core deposits | 88.14% |
| Core deposits to total deposits | 83.16% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 59.92% | 92.09% | $0 | $0 |
| Q4 2023 | 59.78% | 89.60% | $0 | $0 |
| Q1 2024 | 60.58% | 88.46% | $0 | $0 |
| Q2 2024 | 61.51% | 88.11% | $0 | $0 |
| Q3 2024 | 64.92% | 86.64% | $0 | $0 |
| Q4 2024 | 66.72% | 85.54% | $0 | $0 |
| Q1 2025 | 66.22% | 86.31% | $0 | $0 |
| Q2 2025 | 69.86% | 86.01% | $0 | $0 |
| Q3 2025 | 70.60% | 86.77% | $0 | $0 |
| Q4 2025 | 70.99% | 84.90% | $0 | $0 |
| Q1 2026 | 71.80% | 84.12% | $0 | $0 |
| Q2 2026 | 73.30% | 83.16% | $0 | $0 |
Sage Capital Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sage Capital Bank, freeSource: Call Report Schedules RC and RC-M, 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)