Sage Capital Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 17.12 percentage points in Q2 2026, from 63.07% to 80.19%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Sage Capital Bank is 178th of 345 on return on assets, 1.46% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Sage Capital Bank sits 0.21 points higher, at 1.46% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.63% |
| Tier 1 risk-based capital ratio | 14.63% |
| Total risk-based capital ratio | 15.73% |
| Tier 1 leverage ratio | 10.38% |
| Equity capital to assets | 10.42% |
| Tangible equity to tangible assets | 9.88% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.39% |
| Non-performing assets ratio | 0.91% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 8.58% |
| Allowance for credit losses to loans | 1.11% |
| Reserve coverage of non-performing loans | 80.19% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.46% |
| Return on equity | 14.11% |
| Net interest margin | 4.29% |
| Efficiency ratio | 55.12% |
| Yield on earning assets | 5.95% |
| Cost of funds | 1.75% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.30% |
| Core deposits to total deposits | 83.16% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.87% |
| Securities to assets | 13.63% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.75% | 17.75% | 19.00% | 10.46% | 1.39% |
| Q4 2023 | 17.73% | 17.73% | 18.94% | 10.61% | 1.43% |
| Q1 2024 | 18.03% | 18.03% | 19.28% | 10.38% | 1.15% |
| Q2 2024 | 16.93% | 16.93% | 18.09% | 10.79% | 1.17% |
| Q3 2024 | 17.10% | 17.10% | 18.27% | 10.67% | 1.31% |
| Q4 2024 | 17.47% | 17.47% | 18.72% | 10.76% | 1.37% |
| Q1 2025 | 16.51% | 16.51% | 17.75% | 10.32% | 1.03% |
| Q2 2025 | 15.79% | 15.79% | 16.94% | 10.72% | 1.33% |
| Q3 2025 | 15.50% | 15.50% | 16.65% | 10.65% | 1.29% |
| Q4 2025 | 15.11% | 15.11% | 16.22% | 10.50% | 1.54% |
| Q1 2026 | 14.20% | 14.20% | 15.28% | 9.89% | 1.27% |
| Q2 2026 | 14.63% | 14.63% | 15.73% | 10.38% | 1.46% |
Sage Capital Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sage Capital Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)