# SAGE CAPITAL BANK
GONZALES, TX · FDIC certificate 25621 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $768.9M | |
| Deposits | $683.3M | |
| Loans and leases | $500.8M | |
| Total equity | $80.1M | |
| Loans / deposits | 72.48% (p30 of band) | 82.04% |
| Liquid assets / assets | 30.75% (p66 of band) | |
| Uninsured deposits / deposits | 34.19% (p77 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.38% (p43 of band) | 10.81% |
| Unrealized securities loss / equity | -4.94% (p63 of band) | -8.10% |
| AOCI / equity | -0.83% (p28 of band) | |
| ROA (annualized) | 1.38% (p56 of band) | 1.28% |
| Net interest margin | 4.27% (p71 of band) | 3.91% |
| Efficiency ratio | 57.02% (p37 of band) | |
| Noncurrent loans | 0.01% (p11 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p15 of band) | |
| Reserve coverage of noncurrent | 11874.47% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 65.89% (p69 of band) | |
| Auto loans | $617,000 (0.12% of loans; DQ 6.48%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 11.7% | |
| Employees | 104 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | deposits shrinking, assets shrinking |  |
| 2016-03 | 0 |  | deposits shrinking, assets shrinking |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 | construction >100% equity | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | construction >100% equity |
| 2019-09 | 1 | construction >100% equity |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | construction >100% equity |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 2 | capital falling, construction >100% equity |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | construction >100% equity |
| 2022-03 | 2 | construction >100% equity |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | capital falling |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 | deposits shrinking | construction >100% equity |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | deposits shrinking |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | construction >100% equity |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | construction >100% equity |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-01-14 [Sage Capital Bank Partners with Digital Banking Solutions Provider Apiture - Finovate](https://news.google.com/rss/articles/CBMinAFBVV95cUxNWHpjUEJpdmN2cGc4eHU1cTRyaGdid1VZWHZsbWlJRFp6UjZINzZNT0tBb21YWmtSYUxlR2JiazBMSmFRNWM1Y25kbkpodS1jTFhSV1RVMk1RbGZkWXVOX1dIRWVKMVhVMV9wbHFYTURmWXNCN1REVm9vdjI0OGxmS1lDMXdwMU5kN2c1b1ZjcWE2V0JDd19FVzFHUjg?oc=5) · Finovate
- 2022-08-17 ['He was an absolute gentleman' - The Gonzales Inquirer](https://news.google.com/rss/articles/CBMie0FVX3lxTE1tbVZObl9yS3RBU045dWY2S0tpa0lTXzVMbkdYeW5ydjE2cEhnSnU0Nk4ycDRCT1pkVmRGWktBMnRhNEdoNk9GWmJTa0p2NmdZVkZIelpqclktU19zbjdNRzh0REpOV2NGTXpMZmFGN0R4RElwQnVFeUc5bw?oc=5) · The Gonzales Inquirer
- 2026-03-19 [2026 Caldwell County Junior Livestock Show - Lockhart Post Register](https://news.google.com/rss/articles/CBMie0FVX3lxTE1OQkR1bWhDSXBZMUpfSERUUmJGMXVxQUJUNFA5bS1zZWlGSjZWa2dHcEdMOWdpcE9OZ1NQY2xYdXZJdGNBRWJrTnR0QWN3NERZS1dlTnRoc3BmSVlLQnhpYXJMSVY0Vy1TejJPY3Q3dlQ4QjdVdFFzSHRsYw?oc=5) · Lockhart Post Register
- 2011-07-12 [Sage Bank celebrates 27th anniversary - The Gonzales Inquirer](https://news.google.com/rss/articles/CBMihgFBVV95cUxOQnVYTE9hQUVqYVBlQTdORW9lMDVDeDFWT1Q1OVdnUGtha3NpT2Zta295TUVVMkZxaDBMUXhGdThUcEdsZ2NNeWk1Z2h1TW5FVnpuSWo1dWtnN25wSEx1M2poU2NwbGUwdHByWFJBNFc5REN3bV9sdVhfVG5pOC1pUkxXTnJTQQ?oc=5) · The Gonzales Inquirer
- 2026-06-11 [Sandra Jane "Janie" Carleton Obituary (2026) - Gonzales, TX - Seydler-Hill Funeral Home - Gonzales - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPYXJvRUVlNEtOZ0tpaTZBMTdLd3V1ZFRfREluVXhNRm1iV2F0dm1kQldMeWxLWVlwbW9DbWt2VC00QXdmajFsclVzRHp4cmltTHNfdExOQ0VpNVJneEg5MV9CdzVSVlcwWmoySFhyN0FKTXhSY3NrTmNDdWdzM2FKTWxJOUw?oc=5) · legacy.com
- 2018-03-19 [Herman Zamora Obituary - Gonzales, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxPZHpTSEZERVJTZVd3X2gtVHdyTjFEZkVkNlMyZ1c1SFA5TFdrRFpKS0pmYUNBU09yREctTnJZRDNNTHUwRGt4UUNqQTlKTUZWR3NVbENjcVU5cmp5SGRMaDZKam5MUmFGdUpZTmVVUzJCQU9vRlpTRzlYYWgtZndxbTNn?oc=5) · Dignity Memorial
- 2025-05-15 [Tilmon Walker Obituary (2025) - New Braunfels, TX - Lux Funeral Home & Cremation Services - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPcEliUDJ5NWpQQ0t5OW0yUzVzTlVkOXNrVU1BYTdDQ2ZmVVhON1hUVlFVeE1GenlENXNudEZMX0xINTlFeHN6NWsyTmw1clNxQWt3TEt5UEtva0RfT0Q3cDQ1V1RfVkVHZk9zU1laVl85UVJqMFZudktITHZwQkpRenhB?oc=5) · legacy.com
- 2023-12-13 [YMCA Gonzales raises $345,000 for afterschool program at Gonzales Elementary - The Gonzales Inquirer](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQcEl1akFYTGVjdDMzU3B3NzI1MUE5NEVkSFdlY3gweTNhVklUWGdoOWpRQTZiaGVwd0NWUHhrZmp1Y0dDQTJ2RFhiS2pSeE9WeGJqX2xIN0l1RFUxX3VkUjRKdWxzdDZzUFlxck9HQTI4aVRuN3VmNnlKQ0NnOVhXaWxVaXBJUHJIWTkzUmdBb0locjd5UzFKV2NTTUZURWRaQW11bThOQW1Ya04weVhHLWhCR0J5NVhG?oc=5) · The Gonzales Inquirer

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=25621 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/21.json (key "25621", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide