| Metric | Sage Capital Bank, | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.3% | +4.9% | +6.4 pts |
| Deposit growth (YoY) | +11.7% | +4.3% | +7.4 pts |
| Loan growth (YoY) | +17.3% | +5.3% | +11.9 pts |
| ROA | 1.38% | 1.28% | +0.1 pts |
| ROE | 13.3% | 12.4% | +0.9 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $768.9M | $683.3M | $495.3M | $80.1M | $5.2M | 1.38% | 4.27% | 0.01% |
| Q1 2026 | $771.7M | $688.2M | $488.7M | $77.8M | $2.4M | 1.29% | 4.22% | 0.01% |
| Q4 2025 | $741.1M | $658.0M | $461.9M | $78.2M | $9.1M | 1.30% | 4.20% | 0.01% |
| Q3 2025 | $703.5M | $623.0M | $434.8M | $75.2M | $6.3M | 1.22% | 4.17% | 0.01% |
| Q2 2025 | $690.8M | $611.7M | $422.4M | $74.3M | $4.1M | 1.19% | 4.18% | 0.02% |
| Q1 2025 | $689.2M | $612.2M | $400.4M | $71.8M | $1.8M | 1.04% | 3.98% | 0.03% |
| Q4 2024 | $670.8M | $593.8M | $391.3M | $72.2M | $8.3M | 1.25% | 3.98% | 0.00% |
| Q3 2024 | $664.6M | $587.0M | $376.6M | $72.3M | $6.0M | 1.21% | 3.90% | 0.00% |
Loan mix (Q2 2026): real estate $466.6M · commercial $17.5M · consumer $2.5M · securities $104.8M
| Ratio | Sage Capital Bank, | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 1.28% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 12.4% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.0% | 61.2% | 37th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Sage Capital Bank, | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Sage Capital Bank, | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Sage Capital Bank, | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Sage Capital Bank, | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.