BlastPoint's Banking Scorecard
Sage Capital Bank,
Gonzales, TX
7 branches across TX
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
- Deposits +11.7% year over year ($683.3M on the books).
- Delinquency rate 0.01%.
- Return on assets 1.38%.
- Efficiency ratio 57.02% vs a 64.48% peer average.
- Loan-to-deposit ratio 72.48% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Sage Capital Bank, shows strong momentum with 4 strengths and 11.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.05% above tier average
- + Net Interest Margin 0.28% above tier average
- + Efficiency Ratio 7.46% below tier average
- + Delinquency Rate 0.91% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$768.9M
+11.3% YoY
-0.4% QoQ
|
+$382.3M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
Top 9.7% in tier |
| Total Loans ? |
$495.3M
+17.3% YoY
+1.3% QoQ
|
+$236.9M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
Top 11.8% in tier |
| Total Deposits ? |
$683.3M
+11.7% YoY
-0.7% QoQ
|
+$356.6M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Top 7.9% in tier |
| Return on Assets ? |
1.38%
+15.9% YoY
+6.3% QoQ
|
+0.05% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
58% |
| Net Interest Margin ? |
4.27%
+2.2% YoY
+1.2% QoQ
|
+0.28% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
69% |
| Efficiency Ratio ? |
57.02%
-7.0% YoY
-3.0% QoQ
|
-7.46% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
66% |
| Delinquency Rate ? |
0.01%
-76.3% YoY
-14.1% QoQ
|
-0.91% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Top 14.2% in tier |
| Loan-to-Deposit Ratio ? |
72.48%
+5.0% YoY
+2.1% QoQ
|
-5.47% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
31.29%
-4.0% YoY
+4.2% QoQ
|
+9.26% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
85% |
| Nonperforming Asset Ratio ? |
0.01%
-75.0% YoY
-12.6% QoQ
|
-0.66% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Top 12.9% in tier |
| Tier 1 Capital Ratio ? |
14.63%
-7.3% YoY
+3.0% QoQ
|
-1.28% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.14%
+0.2% YoY
+102.2% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
32% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
31.3%
-1.3pp YoY +1.3pp QoQ |
+9.1pp | 22.1% | 29.2% | 22.2% | 85% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.5%
-0.7pp YoY -0.2pp QoQ |
-8.0pp | 11.6% | 14.8% | 12.5% | 12% |
| CRE |
66.8%
-0.2pp YoY +0.9pp QoQ |
+27.2pp | 39.5% | 48.4% | 41.4% | 91% |
| 1-4 Family |
10.5%
-1.0pp YoY -0.5pp QoQ |
-22.1pp | 32.6% | 25.8% | 31.3% | 12% |
| Consumer |
0.5%
-0.1pp YoY 0.0pp QoQ |
-3.6pp | 4.1% | 4.7% | 5.0% | 16% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.6%
-1.2pp YoY +0.4pp QoQ |
-4.2pp | 18.8% | 22.7% | 19.7% | 46% |
| Leverage Ratio |
10.4%
-0.3pp YoY +0.5pp QoQ |
-1.8pp | 12.2% | 12.6% | 12.6% | 39% |
| Total Capital Ratio |
15.7%
-1.2pp YoY +0.5pp QoQ |
-4.2pp | 19.9% | 23.8% | 20.8% | 45% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
104
+6 (+6.1%) YoY +1 (+1.0%) QoQ |
+45 | 58 | 186 | 482 | 88% |
| Assets per Employee ($) |
$7.4M
+4.9% YoY -1.3% QoQ |
-$125K | $7.5M | $10.1M | $8.8M | 59% |
| Branch Count |
7
-1 (-12.5%) YoY -1 (-12.5%) QoQ |
+2 | 4 | 12 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 1.0% | 1.0% | 3% |
| Allowance Coverage |
118.74x
+304.3% YoY +19.0% QoQ |
+94.59x | 24.15x | 18.82x | 20.23x | 97% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 20% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.3%
+2.1pp YoY +0.7pp QoQ |
+1.1pp | 12.2% | 13.2% | 11.6% | 58% |
| Cost of Funds (YTD) |
1.7%
0.0pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.6% | 1.7% | 50% |
| Net Income ($, YTD) |
$5.2M
+29.0% YoY — QoQ |
+$2.7M | $2.6M | $15.9M | $40.4M | 88% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.