Sanger Bank
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
$224.4MAssets
$124.8MLoans
$186.6MDeposits
$36.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 5 of 28).
- Widest gap: return on equity trails 86% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 24 of 28).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $5.0M · efficiency ratio beats 36% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area | 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 |