FDIC Cert #25621 · Gonzales, Texas · Est. 1984

Sage Capital Bank, - FDIC Bank Health Profile

A community-scale look at Sage Capital Bank,'s own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$741M
Total assets
A
Health grade · Excellent
1.30%
Return on assets
15.1%
Tier 1 capital

Data updated July 2026

The verdict

Sage Capital Bank, earns a PlainBankData health grade of A (92/100), with well-capitalized at 15.11% Tier 1, profitable at 1.30% ROA, efficient (60% cost ratio).

#1,329
largest of 4,313 FDIC banks by assets
69th
percentile by asset size, nationally
15.11%
Tier 1 ratio - above the 10% well-capitalized line
64th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 25621 · TX A · 92/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (92/100)
  • UPPER-Q #581/4307
  • PHOTO-FINISH Cedar Security Bank · NE
  • TIER1-WELL 15.1% Tier 1
  • TEXAS-CLEAN 0.1% Texas
  • ROA-STRONG 1.30% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: Cedar Security Bank, NE (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Sage Capital Bank,

Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100C3bank, National Ass… · CA ·…92/100Cedar Security Bank · NE · n…92/100Midwest Independent… · MO · …92/100Murphy Bank · CA · near92/100Sage Capital Bank, · TX · th…92/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Sage Capital Bank, · July 2026

Call Report read for Sage Capital Bank, in a high-failure state

Sage Capital Bank, (FDIC Cert #25621) carries a PlainBankData health grade of A at 92/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #581 of 4,307. Tier 1 capital prints at 15.11%, clearing the 10% well-capitalized line. The Texas Ratio is 0.08%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.30%. Balance-sheet scale is $741M, 1,329th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Cedar Security Bank (NE), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Sage Capital Bank,

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

Sage Capital Bank, sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about Sage Capital Bank,'s current Call Report.

  • SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
  • ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
  • FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.

How Sage Capital Bank,'s 92/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10092/100
Sage Capital Bank,'s composite health score
Tier 1 Capital Ratio (15.11%) 40/40
Return on Assets (ROA) (1.30%) 20/25
Texas Ratio (0.08%) 20/20
Efficiency Ratio (59.52%) 12/15

92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$741M

Total balance-sheet footings

Total Deposits

$658M

Customer-funded liabilities

Net Loans

$462M

Outstanding loan book

Net Income

$9M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.71% 15.11% 16.51%
Basel III capital ratios - Sage Capital Bank,

Where Sage Capital Bank, ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Sage Capital Bank,'s score of 92/100 falls in the highlighted band.

Sage Capital Bank,: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

92 Top 13% higher than 87% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Sage Capital Bank, 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Sage Capital Bank,'s size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Sage Capital Bank,'s $741M falls in the highlighted band.

Capital & credit buffers at Sage Capital Bank,

Tier 1 capital ratio
Well-capitalized 10%

15.11% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.11%
Texas Ratio
0.08%
Equity Capital
$78M

What these ratios mean →

Earnings posture at Sage Capital Bank,

Return on Assets (ROA)
64th percentile nationally
1.30%
Return on Equity (ROE)
12.24%
Efficiency Ratio
59.52%

What these mean →

Income & expense at Sage Capital Bank,

$38M
Interest Income
$2M
Non-Interest Income
$17M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Sage Capital Bank, reports a Texas Ratio of 0.08% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.08% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Sage Capital Bank, on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

Top 5 banks in Texas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($741M here), outside Texas so the neighborhood is not state containment.

AMG National Trust Bank $741M · CO Green Belt Bank & Trust $740M · IA Community First Bank $742M · LA First Midwest Bank of the Ozarks $740M · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Sage Capital Bank, (FDIC Cert #25621) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Sage Capital Bank, Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Texas

All Texas banks →
BankAssetsGradeROA
Charles Schwab Bank, SSBWestlake $253.8B A 0.94%
Frost BankSan Antonio $53.1B A 1.26%
Prosperity BankEl Campo $38.5B A 1.44%
Texas Capital BankDallas $31.3B A 1.10%
Charles Schwab Premier Bank, SSBWestlake $27.0B A 1.47%
First Financial BankAbilene $15.4B A 1.64%
NexBankDallas $13.9B A 1.17%
PlainsCapital BankUniversity Park $12.7B B 1.05%