Sanger, TX · Cert 27043 · Sanger Bancshares Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
88
Asset Quality
70
Profitability
20
Liquidity
53
Efficiency
36
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Sanger, TX · Cert 27043 · Sanger Bancshares Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.0% share · #118 of 166 inst. · $0.1B of $732.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.14% | 1.29% | 1.51% | 1.60% | 1.52% | 1.27% | 1.21% | 1.13% | -47 bps | |
| Return on Equity | 7.38% | 8.30% | 9.45% | 9.94% | 9.46% | 7.96% | 7.58% | 7.02% | -292 bps | |
| Net Interest Margin | 3.69% | 3.66% | 3.84% | 3.84% | 3.77% | 3.68% | 3.61% | 3.67% | -18 bps | |
| Efficiency Ratio | 65.05% | 64.94% | 63.31% | 62.09% | 63.57% | 64.85% | 60.78% | 64.04% | +195 bps | |
| Non-Interest Burden | 2.26% | 2.24% | 2.28% | 2.18% | 2.23% | 2.24% | 2.08% | 2.24% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.81% | 0.54% | 3.90% | 6.02% | 4.41% | 8.62% | 5.12% | 6.03% | +1 bps | |
| Loan Growth (YoY) | 6.77% | 4.90% | 5.91% | 3.95% | -1.30% | -3.72% | -7.27% | -4.00% | -794 bps | |
| Deposit Growth (YoY) | -0.48% | -0.36% | 3.53% | 5.62% | 3.70% | 8.93% | 4.76% | 6.17% | +56 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.16% | 0.37% | 0.37% | 0.51% | +51 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.08% | 0.00% | 0.00% | 0.00% | 0.05% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.24% | 1.31% | 1.26% | 1.31% | 1.35% | 1.31% | 1.31% | 1.32% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 212.1x | n/a | 8.4x | 3.5x | 3.6x | 2.6x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.08% | 15.97% | 16.42% | 16.74% | 16.58% | 15.88% | 16.17% | 16.53% | -21 bps | |
| Total Risk-Based Capital | 25.83% | 26.01% | 25.95% | 27.24% | 28.57% | 27.17% | 28.33% | 28.21% | +97 bps | |
| Equity / Assets | 15.52% | 15.78% | 16.13% | 16.35% | 16.16% | 15.55% | 16.32% | 16.25% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.89% | 73.43% | 77.35% | 73.98% | 68.43% | 64.91% | 68.47% | 66.90% | -708 bps | |
| Liquid Assets / Assets | 30.64% | 27.68% | 27.03% | 26.72% | 32.41% | 28.34% | 28.12% | 27.89% | +117 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 186.44% | 188.90% | 171.54% | n/a | n/a | |
Sanger, TX · Cert 27043 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28) · Sanger Bancshares Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Return on Assets
1.12%
Rank 21 of 28
Net Interest Margin
3.67%
Rank 22 of 28
Efficiency Ratio
64.04%
Rank 19 of 28
Equity / Assets
16.25%
Rank 4 of 28
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.12% | 1.12% | 1.22% | 1.47% | Beats 25% | 21 / 28 | ||
| Return on Equity | 6.90% | 8.64% | 12.47% | 13.41% | Beats 14% | 24 / 28 | ||
| Net Interest Margin | 3.67% | 3.77% | 4.06% | 4.51% | Beats 21% | 22 / 28 | ||
| Efficiency Ratio | 64.04% | 57.39% | 61.94% | 66.78% | Beats 36% | 19 / 28 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.51% | n/a | 0.28% | 1.06% | Beats 39% | 18 / 28 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.20% | Beats 100% | 5 / 28 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 26.99% | 12.55% | 13.77% | 17.51% | Beats 89% | 3 / 28 | ||
| Total Risk-Based Capital Ratio | 28.21% | 12.59% | 14.62% | 18.18% | Beats 89% | 3 / 28 | ||
| Equity / Assets | 16.25% | 9.58% | 11.17% | 13.58% | Beats 86% | 4 / 28 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.90% | 66.90% | 84.79% | 89.14% | 25th pctl | 21 / 28 | ||
| Loans / Assets | 55.61% | 57.58% | 73.59% | 77.32% | 18th pctl | 23 / 28 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||