B
Sage Capital Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Sage Capital Bank
Gonzales, TX
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Rating B
Asset Quality Index 7.20
Capitalization Index 9.60
Liquidity Index 3.00
Profitability Index 6.30
Stability Index 7.90
Company Info Sage Capital Bank
Gonzales, TX
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FDIC Number 25621
Phone Number (830) 672-8585
Website www.sagecapitalbank.com
Asset Quality Sage Capital Bank
Gonzales, TX
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1-Year Asset Growth 3.97%
5-Year Asset Growth 11.94%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.06%
Non-Performing Assets to Assets 0.89%
Non-Performing Loans to Capital 4.10%
Non-Performing Loans to Loans 1.44%
Balance Sheet Sage Capital Bank
Gonzales, TX
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Total Assets 690.83M
Total Deposits 611.65M
Capital and Reserves Sage Capital Bank
Gonzales, TX
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Capital 74.28M
Leverage Ratio 10.72
Loan Loss Reserves to Loans 1.16%
Risk-Based Capital Ratio 16.94
Liquidity Sage Capital Bank
Gonzales, TX
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Hot Money Ratio 24.14%
Liquidity Ratio 29.22%
Profitability Sage Capital Bank
Gonzales, TX
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5-Year Return on Average Assets 1.18%
Net Income 4.06M
Net Interest Spread 4.07%
Operating Profit to Average Assets 1.52%
Overhead Efficiency Ratio 61.31%
Return on Assets 1.18%
Return on Equity 11.18%