Sage Capital Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 17.45 percentage points lower than in Q1 2026, at 62.70%. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $500.8M |
| Net loans and leases | $495.3M |
| Loans held for sale | $0 |
| Loans to total assets | 65.14% |
| Loan-to-deposit ratio | 73.30% |
| Net loans to equity capital | 6.18% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 49.34% |
| Multifamily (5+ residential) | 6.16% |
| Commercial and industrial | 3.49% |
| Consumer | 0.51% |
| Credit cards | 0.00% |
| Farm | 16.76% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.96% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 330.82% |
| Construction concentration (Tier 1 capital + allowance) | 62.70% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.17% |
| Interest income on loans | $8.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $342.7M | $571.8M | 44.29% | 5.39% | 0.77% |
| Q4 2023 | $354.6M | $593.3M | 42.32% | 5.88% | 0.89% |
| Q1 2024 | $349.0M | $576.1M | 42.56% | 5.34% | 0.89% |
| Q2 2024 | $362.8M | $589.8M | 43.05% | 5.06% | 0.80% |
| Q3 2024 | $381.1M | $587.0M | 44.87% | 4.68% | 0.68% |
| Q4 2024 | $396.2M | $593.8M | 44.56% | 4.85% | 0.66% |
| Q1 2025 | $405.4M | $612.2M | 42.55% | 4.49% | 0.69% |
| Q2 2025 | $427.3M | $611.7M | 43.30% | 4.14% | 0.61% |
| Q3 2025 | $439.9M | $623.0M | 43.94% | 4.01% | 0.67% |
| Q4 2025 | $467.1M | $658.0M | 44.10% | 3.92% | 0.57% |
| Q1 2026 | $494.1M | $688.2M | 45.62% | 3.72% | 0.53% |
| Q2 2026 | $500.8M | $683.3M | 49.34% | 3.49% | 0.51% |
Sage Capital Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sage Capital Bank, freeSource: Call Report Schedule RC-C, 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)