Sage Capital Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.17 percentage points to 4.29%. Sage Capital Bank ranks 139th of 345 Texas banks on net interest margin, in the upper half at 4.29% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Sage Capital Bank sits 0.34 points higher, at 4.29% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.95% |
| Yield on loans | 7.17% |
| Yield on securities | 3.32% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.75% |
| Cost of interest-bearing deposits | 2.52% |
| Cost of interest-bearing liabilities | 2.52% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.29% |
| Yield to cost spread | 3.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.7M |
| Total interest expense | $3.0M |
| Interest expense on deposits | $3.0M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.03% | 1.16% | 3.93% | 6.01% | 2.39% |
| Q4 2023 | 5.38% | 1.42% | 4.03% | 6.33% | 2.45% |
| Q1 2024 | 5.26% | 1.57% | 3.74% | 6.34% | 2.72% |
| Q2 2024 | 5.54% | 1.72% | 3.91% | 6.57% | 2.85% |
| Q3 2024 | 5.65% | 1.83% | 3.91% | 6.74% | 3.19% |
| Q4 2024 | 5.76% | 1.86% | 4.02% | 6.82% | 3.50% |
| Q1 2025 | 5.58% | 1.79% | 3.87% | 6.66% | 3.56% |
| Q2 2025 | 5.97% | 1.78% | 4.28% | 6.92% | 3.41% |
| Q3 2025 | 5.90% | 1.82% | 4.18% | 6.97% | 3.40% |
| Q4 2025 | 5.91% | 1.84% | 4.22% | 7.08% | 3.25% |
| Q1 2026 | 5.79% | 1.77% | 4.12% | 6.95% | 3.33% |
| Q2 2026 | 5.95% | 1.75% | 4.29% | 7.17% | 3.32% |
Sage Capital Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sage Capital Bank, freeSource: Call Report Schedules RI and RC-K, 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)