Sage Capital Bank,

BankGonzales, Texas
www.sagecapitalbank.com

Total Assets

$741.1M

Total Deposits

$658.0M

Branches

8

Established

1984

TFS Health Grade

$
C+

78.4 / 100

Average financial health

How we grade

Sage Capital Bank, is a bank headquartered in Gonzales, Texas, established in 1984. With $741.1M in total assets and 8 branch locations, it has a TFS Financial Health Grade of C+ (78.4/100).

Capital & Safety

Tier 1 Capital Ratio
10.50%(8%)
Total Capital Ratio
16.22%(10%)
Non-Performing Loan Ratio
0.01%

Profitability

Return on Assets (ROA)
1.30%(1%)
Return on Equity (ROE)
12.24%(10%)
Net Interest Margin
4.20%
Efficiency Ratio
59.52%(60%)

Lending & Liquidity

Total Loans
$467.1M
Loan-to-Deposit Ratio
70.20%
Net Charge-Off Ratio
0.03%

Growth

Asset Growth (YoY)
+10.49%
Deposit Growth (YoY)
+10.80%
Net Income
$9.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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