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 | |