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
Unfavorable gap of $16.3M · efficiency ratio beats 67% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.36% | 0.87% | 1.20% | 1.65% | Beats 63% | 78 / 211 | | |
| Return on Equity | 13.06% | 7.52% | 11.67% | 14.58% | Beats 64% | 75 / 211 | | |
| Net Interest Margin | 3.99% | 3.28% | 3.82% | 4.31% | Beats 58% | 89 / 211 | | |
| Efficiency Ratio | 57.02% | 53.01% | 64.18% | 73.65% | Beats 67% | 71 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.30% | 1.10% | Beats 76% | 51 / 208 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 64% | 75 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 14.63% | 11.72% | 14.45% | 19.57% | Beats 53% | 100 / 211 | | |
| Total Risk-Based Capital Ratio | 15.73% | 11.94% | 14.78% | 20.30% | Beats 55% | 94 / 211 | | |
| Equity / Assets | 10.42% | 9.41% | 11.06% | 12.94% | Beats 40% | 127 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.30% | 45.39% | 66.56% | 82.03% | 60th pctl | 83 / 208 | | |
| Loans / Assets | 65.14% | 39.13% | 56.90% | 70.46% | 64th pctl | 76 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |