BlastPoint's Banking Scorecard

Sage Capital Bank,

$100M-$1B Specialty: Commercial TX FDIC cert 25621

Gonzales, TX

8 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Sage Capital Bank, shows strong momentum with 3 strengths and 12.0% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.29% above tier average
+ Efficiency Ratio 6.48% below tier average
+ Delinquency Rate 0.88% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Sage Capital Bank, releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$771.7M +12.0% YoY +4.1% QoQ	+$385.7M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Top 9.6% in tier
Total Loans ?	$488.7M +22.1% YoY +5.8% QoQ	+$233.0M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Top 12.1% in tier
Total Deposits ?	$688.2M +12.4% YoY +4.6% QoQ	+$360.2M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Top 7.5% in tier
Return on Assets ?	1.29% +23.9% YoY -0.6% QoQ	+0.02%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	55%
Net Interest Margin ?	4.22% +5.9% YoY +0.5% QoQ	+0.29%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	69%
Efficiency Ratio ?	58.80% -9.6% YoY -1.2% QoQ	-6.48%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	63%
Delinquency Rate ?	0.01% -78.7% YoY -21.5% QoQ	-0.88%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 14.0% in tier
Loan-to-Deposit Ratio ?	71.02% +8.6% YoY +1.2% QoQ	-5.62%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	65%
Non-Interest-Bearing Deposit Share ?	30.02% -10.0% YoY -2.9% QoQ	+8.00%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	82%
Nonperforming Asset Ratio ?	0.01% -76.8% YoY -20.2% QoQ	-0.63%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Top 13.1% in tier
Tier 1 Capital Ratio ?	14.20% -14.0% YoY -6.0% QoQ	-1.63%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	59%
Non-Interest Income / Assets ?	0.07% -2.2% YoY -73.9% QoQ	-0.21%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	32%

Get Full Access to Sage Capital Bank,

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

200

Total Deposits

size

Value: $688.20M

Peer Median: $327.97M

#200 of 2664 Top 7.5% in $100M-$1B

258

Total Assets

size

Value: $771.74M

Peer Median: $386.08M

#258 of 2664 Top 9.6% in $100M-$1B

323

Total Loans

size

Value: $488.73M

Peer Median: $255.72M

#323 of 2664 Top 12.1% in $100M-$1B

349

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.64%

#349 of 2664 Top 13.1% in $100M-$1B

373

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.89%

#373 of 2654 Top 14.0% in $100M-$1B

484

Non-Interest-Bearing Deposit Share

funding

Value: 30.02%

Peer Median: 22.02%

#484 of 2664 Top 18.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available