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Sage Capital Bank,
Gonzales, TX · FDIC Certificate #25621 · Chartered 07/1
Total assets
$768.88M
Total deposits
$683.31M
Total equity
$80.10M
Net loans
$495.26M
Branches (offices)
7
Net income (YTD)
$5.23M
Rank: #1,299 of 4,213 U.S. banks by assets · #114 of 346 in Texas. Assets changed 11.3% and deposits 11.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.38% |
| Return on equity | 13.29% |
| Net interest margin (YTD) | 4.27% |
| Equity to assets | 10.42% |
| Tier 1 leverage ratio | 10.38% |
| Uninsured deposits (share of deposits) | 34.2% |
| Noncurrent loans (share of loans) | 0.01% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 72.5% |
| Real estate loans (share of loans) | 94.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $466.62M | 94.2% | |
| Commercial & industrial | $17.46M | 3.5% | |
| Consumer / individual | $2.54M | 0.5% | |
| Construction & development | $52.78M | 10.7% | |
| Agricultural | $9.33M | 1.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $655.60M | $596.93M | $2.47M | $55.14M |
| Jun 2023 | $625.38M | $560.62M | $4.49M | $61.01M |
| Jun 2024 | $664.48M | $589.77M | $3.80M | $69.85M |
| Jun 2025 | $690.83M | $611.65M | $4.05M | $74.28M |
| Jun 2026 | $768.88M | $683.31M | $5.23M | $80.10M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $683.31M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $683.31M.
Similar-sized banks
Primary Bank ($769.55M) · Midwest Heritage Bank, FSB ($768.31M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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