TellerScore

Sage Capital Bank, (FDIC certificate #25621) is based in Gonzales, Texas. Its Q2 2026 call report shows $768.9M in total assets and $683.3M in deposits and 7 offices.

Based on its Q2 2026 filing, Sage Capital Bank, scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 144th. Its strongest component is loan quality (100/100; 0.01%), and its lowest is capital cushion (54/100; 10.38%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Tier 1 leverage ratio: 10.38%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.01%
Earnings75/100
Return on assets (annualized): 1.38%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 72.5% · 34.2% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.05%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 76).

TellerScore
747677Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202477
Q3 202477
Q4 202477
Q1 202574
Q2 202576
Q3 202576
Q4 202576
Q1 202674
Q2 202676
Tier 1 leverage ratio
5.00%7.90%10.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.79%
Q3 202410.67%
Q4 202410.76%
Q1 202510.32%
Q2 202510.72%
Q3 202510.65%
Q4 202510.50%
Q1 20269.89%
Q2 202610.38%
Noncurrent loans
0.00%0.03%0.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.05%
Q2 20250.04%
Q3 20250.02%
Q4 20250.01%
Q1 20260.01%
Q2 20260.01%
Return on assets
1.04%1.21%1.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.15%
Q3 20241.21%
Q4 20241.25%
Q1 20251.04%
Q2 20251.19%
Q3 20251.22%
Q4 20251.30%
Q1 20261.29%
Q2 20261.38%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$768.9M10.38%0.01%1.38%72.5%
Q1 202674$771.7M9.89%0.01%1.29%71.0%
Q4 202576$741.1M10.50%0.01%1.30%70.2%
Q3 202576$703.5M10.65%0.02%1.22%69.8%
Q2 202576$690.8M10.72%0.04%1.19%69.1%
Q1 202574$689.2M10.32%0.05%1.04%65.4%
Q4 202477$670.8M10.76%0.00%1.25%65.9%
Q3 202477$664.6M10.67%0.00%1.21%64.2%
Q2 202477$664.5M10.79%0.00%1.15%60.8%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.38%
39th
Total risk-based capital15.73%
72nd
Problem loans0.01%
85th
Net charge-offs-0.00%
83rd
Return on assets1.38%
58th
Net interest margin4.27%
69th
Efficiency ratio57.0%
66th
Loans to deposits72.5%
65th
Uninsured deposits34.2%
18th
Loan-loss reserves1.11%
40th
Texas ratio0.1%
87th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Liberty Capital BankBank Addison, TX73 out of 100, Strong$767.9M10.9%0.07%vs
Schertz Bank & TrustBank Schertz, TX90 out of 100, Very strong$770.1M15.2%0.05%vs
American Bank, National AssociationBank Dallas, TX77 out of 100, Strong$773.8M10.8%0.28%vs
Commerce BankBank Laredo, TX87 out of 100, Very strong$762.5M12.3%0.03%vs
First State BankBank Athens, TX74 out of 100, Strong$761.7M11.4%0.80%vs
First Community BankBank San Benito, TX81 out of 100, Strong$794.4M10.4%0.01%vs

Deposit insurance

Is my money safe at Sage Capital Bank,?

Yes. Sage Capital Bank, is an FDIC-insured institution (FDIC certificate #25621). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.2% of deposits ($233.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.38%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.73% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Sage Capital Bank, lists 7 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Sage Capital Bank, reported 36 home-loan applications under HMDA (LEI 5493006X4VPGZ5GVIB71): 34 originated ($25,580,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Sage Capital Bank,
Former names
American National Bank; Sage Capital Bank, National Association
Type
State-chartered bank
FDIC certificate #
25621
RSSD ID
448554
Primary regulator
FDIC
Holding company
Anb Bancshares Inc
Established
July 12, 1984
Headquarters
1606 N Sarah Dewitt Dr, Gonzales, TX 78629
Employees
104

Quick answers

Sage Capital Bank,: common questions

Is Sage Capital Bank, FDIC insured?

Yes. Sage Capital Bank, is an FDIC-insured institution (FDIC certificate #25621). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Sage Capital Bank,'s TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Sage Capital Bank, ever failed?

There is no failure record for FDIC certificate #25621 in the FDIC failed bank list.

How many branches does Sage Capital Bank, have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Gonzales

InstitutionScoreAssetsCapitalProblem loansCompare
Fayette Savings Bank, SSBBank La Grange, TX81 out of 100, Strong$551.8M11.0%0.01%vs
SouthStar Bank, S.S.B.Bank Moulton, TX77 out of 100, Strong$1.4B13.3%0.62%vs
Randolph-Brooks Federal Credit UnionCredit union Universal City, TX76 out of 100, Strong$19.6B13.4%1.27%vs
Yoakum BankBank Yoakum, TX73 out of 100, Strong$385.8M9.4%0.19%vs
Prosperity BankBank El Campo, TX71 out of 100, Strong$43.9B10.6%0.48%vs
Third Coast BankBank Humble, TX71 out of 100, Strong$6.7B11.4%0.50%vs