Sage Capital Bank,
Gonzales, TX
IDRSSD: 448554
Total Assets
$703.55M
Latest filing
Total Deposits
$623.04M
Latest filing
Net Interest Margin
4.18%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Sage Capital Bank,
1606 N Sarah Dewitt Dr
Gonzales, TX 78629
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/12/1984FDIC Certificate 17542
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Sage Capital Bank, (Main) | 1606 N Sarah Dewitt Dr | Gonzales, TX |
| LOCKHART BRANCH | 501 S Colorado St | Lockhart, TX |
| LULING BRANCH | 121 S Magnolia Ave | Luling, TX |
| SAN MARCOS BRANCH | 2201 Hunter Rd | San Marcos, TX |
| NEW BRAUNFELS BRANCH | 2009 State Highway 46 W | New Braunfels, TX |
| SHINER BRANCH | 1406 N Avenue E | Shiner, TX |
| SPRING BRANCH BRANCH | 18966 Forty Six Pkwy | Spring Branch, TX |
| AUSTIN BRANCH | 12223 Ranch Road 620 N | Austin, TX |
Showing 7 of 7
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/12/1984 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 78629 |
| State and County Number | 48177 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 98 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 07/12/1984 |
| Primary Insurance Agency | DIF |
| Website | www.sagecapitalbank.com |
| Data Updated | 11/14/2025 |
| CERT | 25621 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $703.55M |
| Total Deposits | $623.04M |
| Total Liabilities | $628.34M |
| Total Equity Capital | $75.21M |
| Net Income | $2.24M |
| Net Loans and Leases | $434.80M |
| Assets Per Employee ($Millions) | $7.11M |
| Bank Premises and Fixed Assets | $12.63M |
| Cash and Balances due from Depository Institutions | $103.41M |
| Deposits Held in Domestic Offices | $623.04M |
Key Performance Ratios
| Return on Assets (ROA) | 1.28% |
| Return on Equity (ROE) | 11.97% |
| Net Interest Margin | 4.18% |
| Efficiency Ratio | 59.65% |
| Tier 1 Risk-Based Capital Ratio | 15.495% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.69% |
| Earning Assets to total Assets | 93.33% |
Income and Expense
| Total Interest Income | $9.55M |
| Total Noninterest Income | $493.00k |
| Total Interest Expense | $2.79M |
| Total Noninterest Expense | $4.33M |
| Net Interest Income | $6.76M |
| Pre-tax Net Operating Income | $2.81M |
| Provision for Credit Losses | $120.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $15.70M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.30M |
| Total Liabilities and Capital | $703.55M |
Securities
| Securities | $113.68M |
| Available-for-sale debt securities | $113.61M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Sage Capital Bank,?
$703.55M as of the latest filing.
How much are Sage Capital Bank,'s total deposits?
$623.04M in total deposits.
Where is Sage Capital Bank, located?
Gonzales, TX.
What is the Net Interest Margin?
4.18%.
How many domestic offices does it operate?
8.
When was it established?
07/12/1984.
What is the Return on Assets (ROA)?
1.28%.
How much are total loans and leases?
$434.80M (latest filing).
What is the total interest income (latest filing)?
$9.55M.