Sage Capital Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sage Capital Bank of Gonzales, TX against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.46% | 1.35% | +0.11% | 61st above |
| ROAE | 14.11% | 12.05% | +2.06% | 61st above |
| Net Interest Margin | 4.29% | 3.90% | +0.39% | 70th above |
| Efficiency Ratio | 55.12% | 63.15% | -8.03% | 69th above |
| PPNR / Avg Assets | 1.94% | 1.64% | +0.30% | 70th above |
| Yield on Earning Assets | 5.95% | 5.65% | +0.30% | 66th above |
| Cost of Funds | 1.75% | 1.85% | -0.10% | 54th above |
| Net Interest Spread | 3.43% | 3.35% | +0.08% | 55th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.39% | 0.92% | +0.47% | 20th bottom |
| NPA / Total Assets | 0.91% | 0.67% | +0.24% | 23rd bottom |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 86th top |
| ACL / Total Loans | 1.11% | 1.28% | -0.17% | 40th below |
| ACL / NPLs (Coverage) | 80.19% | 1645.80% | -1565.61% | 21st bottom |
| Texas Ratio | 8.58% | 7.15% | +1.43% | 26th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.63% | 20.83% | -6.20% | 45th below |
| Tier 1 Ratio | 14.63% | 20.87% | -6.24% | 45th below |
| Total Capital Ratio | 15.73% | 21.94% | -6.21% | 45th below |
| Leverage Ratio | 10.38% | 12.46% | -2.08% | 39th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.42% | 11.67% | -1.25% | 51st above |
| TCE / Tangible Assets | 9.88% | 11.40% | -1.52% | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.30% | 78.65% | -5.35% | 65th above |
| Core Deposit Ratio | 83.16% | 87.10% | -3.94% | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.30% | 6.47% | +4.83% | 86th top |
| Loan Growth (Y/Y) | 17.20% | 7.64% | +9.56% | 89th top |
| Deposit Growth (Y/Y) | 11.72% | 6.02% | +5.70% | 87th top |
See Sage Capital Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sage Capital Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Sage Capital Bank profile, how to read a UBPR, or how this data updates.