BlastPoint's Banking Scorecard
Sage Capital Bank,
Community
Specialty: Commercial
TX
FDIC cert 25621
Gonzales, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Sage Capital Bank, has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 41% in Community
- + Nonperforming Asset Ratio 0.49% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$741.1M
+10.5% YoY
+5.3% QoQ
|
-$650.3M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$461.9M
+18.0% YoY
+6.2% QoQ
|
-$513.6M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$658.0M
+10.8% YoY
+5.6% QoQ
|
-$506.6M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
1.30%
+3.7% YoY
+6.8% QoQ
|
+0.14% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
63% |
| Net Interest Margin ? |
4.20%
+5.6% YoY
+0.7% QoQ
|
+0.53% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
77% |
| Efficiency Ratio ? |
59.52%
+0.2% YoY
-2.0% QoQ
|
-3.11% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
59% |
| Delinquency Rate ? |
0.01%
-28.0% QoQ
|
-0.61% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 7% in tier |
| Loan-to-Deposit Ratio ? |
70.20%
+6.5% YoY
+0.6% QoQ
|
-12.87% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
30.93%
-5.1% YoY
-3.8% QoQ
|
+9.89% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-27.4% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 6% in tier |
| Tier 1 Capital Ratio ? |
15.11%
-13.5% YoY
-2.5% QoQ
|
+4.87% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.27%
-14.4% YoY
+28.5% QoQ
|
-0.47% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#154 of 371 · Top 41% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.01%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Nonperforming Asset Ratio
metric
Top 6%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
Credit Quality Pressure
risk
#13 of 808 · Bottom 1% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.01%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
93
93th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 30.93% · Tier avg: 21.05%
77
77th pctile
Net Interest Margin
Current: 4.20% · Tier avg: 3.66%
77
77th pctile
Tier 1 Capital Ratio
Current: 15.11% · Tier avg: 10.24%
63
63th pctile
Return on Assets
Current: 1.30% · Tier avg: 1.16%
59
59th pctile
Efficiency Ratio
Current: 59.52% · Tier avg: 62.63%
34
34th pctile
Total Deposits
Current: $658.0M · Tier avg: $1.2B
31
31th pctile
Total Assets
Current: $741.1M · Tier avg: $1.4B
24
24th pctile
Total Loans
Current: $461.9M · Tier avg: $975.5M
20
20th pctile
Loan-to-Deposit Ratio
Current: 70.20% · Tier avg: 83.06%
19
19th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
Top Weaknesses
19
19th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
20
20th pctile
Loan-to-Deposit Ratio
Current: 70.20% · Tier avg: 83.06%
24
24th pctile
Total Loans
Current: $461.9M · Tier avg: $975.5M
31
31th pctile
Total Assets
Current: $741.1M · Tier avg: $1.4B
34
34th pctile
Total Deposits
Current: $658.0M · Tier avg: $1.2B
59
59th pctile
Efficiency Ratio
Current: 59.52% · Tier avg: 62.63%
63
63th pctile
Return on Assets
Current: 1.30% · Tier avg: 1.16%
77
77th pctile
Tier 1 Capital Ratio
Current: 15.11% · Tier avg: 10.24%
77
77th pctile
Net Interest Margin
Current: 4.20% · Tier avg: 3.66%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 30.93% · Tier avg: 21.05%
93
93th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%