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Sage Capital Bank

Gonzales, TX · Cert 25621 · ANB Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

49

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

71

Q2 2024Q2 2026peer median

Efficiency

67

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Sage Capital Bank

Gonzales, TX · Cert 25621 · ANB Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$768.9MAssets
$500.8MLoans
$683.3MDeposits
$80.1MEquity
Loan mix
96%RE $458.6M4%C&I $18.4M1%Consumer $2.6MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $469.5M31%Noninterest $213.8MQ2 2025Q2 2026

NIM

5.09%Q2 ’245.45%Q2 ’255.54%Q2 ’26+7%+3%

Non-interest income vs. expense

2.41%Q2 ’242.53%Q2 ’252.43%Q2 ’26+7%-5%

Market Position · Austin-Round Rock-San Marcos, TX · 2026 SOD (annual) · 0.3% share · #36 of 73 inst. · $0.2B of $70.4B

48.9% Gonzales
21.9% Caldwell
3.2% Hays
1.9% Comal

Executive Summary

  • Earnings: ROA of 1.38%, up 19 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 0.01% of loans (-3 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.38%, down 34 bps from a year ago.
  • Funding: loans stand at 73.30% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.38%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.99%+12 bps YoY

Efficiency Ratio (YTD, annualized)

57.02%-429 bps YoY

Tier 1 Leverage Ratio

10.38%-34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%1.22%1.30%1.29%1.38%+19 bps
Return on Equity11.14%11.43%12.24%12.55%13.29%+215 bps
Net Interest Margin3.87%3.86%3.75%3.86%3.99%+12 bps
Efficiency Ratio61.31%60.75%59.52%58.80%57.02%-429 bps
Non-Interest Burden2.24%2.22%2.11%2.14%2.14%-11 bps
Growth
Asset Growth (YoY)3.97%5.86%10.49%11.98%11.30%+733 bps
Loan Growth (YoY)17.79%15.44%17.90%21.89%17.20%-58 bps
Deposit Growth (YoY)3.71%6.14%10.80%12.41%11.72%+800 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.02%0.01%0.01%0.01%-3 bps
Net Charge-Offs / Loans0.05%0.03%0.02%0.00%0.00%-6 bps
Allowance / Loans1.16%1.16%1.12%1.09%1.11%-5 bps
Allowance Coverage of NPLs29.4x59.8x80.2x99.8x118.7x+89.4x
Capital
Tier 1 Leverage Ratio10.72%10.65%10.50%9.89%10.38%-34 bps
Total Risk-Based Capital16.94%16.65%16.22%15.28%15.73%-120 bps
Equity / Assets10.75%10.69%10.55%10.08%10.42%-33 bps
Liquidity & Funding
Loans / Deposits69.86%70.60%70.99%71.80%73.30%+343 bps
Liquid Assets / Assets11.30%13.14%8.95%12.45%12.36%+105 bps
CRE / Total Capitaln/a394%410%425%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Sage Capital Bank

Gonzales, TX · Cert 25621 · Peer group: banks under $1B in assets in TX (n=208-211) · ANB Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$768.9MAssets
$500.8MLoans
$683.3MDeposits
$80.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 76% of banks under $1B in assets in TX (rank 51 of 208).
  • Widest gap: equity / assets trails 60% of banks under $1B in assets in TX (rank 127 of 211).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.36%

Rank 78 of 211

Net Interest Margin

3.99%

Rank 89 of 211

Efficiency Ratio

57.02%

Rank 71 of 211

Equity / Assets

10.42%

Rank 127 of 211

Non-interest income vs. expense

$2.2M$18.5MINCOMEEXPENSE
Unfavorable gap of $16.3M · efficiency ratio beats 67% of banks under $1B in assets in TX
Bank 57.02%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.36%0.87%1.20%1.65%Beats 63%78 / 211
Return on Equity13.06%7.52%11.67%14.58%Beats 64%75 / 211
Net Interest Margin3.99%3.28%3.82%4.31%Beats 58%89 / 211
Efficiency Ratio57.02%53.01%64.18%73.65%Beats 67%71 / 211
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.30%1.10%Beats 76%51 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 64%75 / 208
Capital
Tier 1 Capital Ratio14.63%11.72%14.45%19.57%Beats 53%100 / 211
Total Risk-Based Capital Ratio15.73%11.94%14.78%20.30%Beats 55%94 / 211
Equity / Assets10.42%9.41%11.06%12.94%Beats 40%127 / 211
Liquidity & Funding
Loans / Deposits73.30%45.39%66.56%82.03%60th pctl83 / 208
Loans / Assets65.14%39.13%56.90%70.46%64th pctl76 / 211
Brokered Deposits / Depositsn/aNot reported for this institution