| Metric | Sanger Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +4.4% | +1.7 pts |
| Deposit growth (YoY) | +6.2% | +4.0% | +2.2 pts |
| Loan growth (YoY) | -4.0% | +5.6% | -9.6 pts |
| ROA | 1.13% | 1.24% | -0.1 pts |
| ROE | 7.0% | 11.9% | -4.8 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $224.4M | $186.6M | $123.2M | $36.5M | $1.3M | 1.13% | 3.94% | 0.28% |
| Q1 2026 | $219.7M | $182.3M | $123.2M | $35.9M | $673K | 1.21% | 3.91% | 0.21% |
| Q4 2025 | $226.4M | $190.1M | $121.8M | $35.2M | $2.7M | 1.27% | 4.17% | 0.20% |
| Q3 2025 | $218.9M | $181.9M | $122.8M | $35.4M | $2.4M | 1.52% | 4.17% | 0.09% |
| Q2 2025 | $211.7M | $175.7M | $128.3M | $34.6M | $1.7M | 1.60% | 4.16% | 0.00% |
| Q1 2025 | $209.0M | $174.0M | $132.9M | $33.7M | $787K | 1.51% | 4.16% | 0.00% |
| Q4 2024 | $208.4M | $174.5M | $126.5M | $32.9M | $2.6M | 1.29% | 4.05% | 0.00% |
| Q3 2024 | $209.6M | $175.4M | $124.6M | $32.5M | $1.8M | 1.14% | 4.01% | 0.00% |
Loan mix (Q2 2026): real estate $100.1M · commercial $14.7M · consumer $3.6M · securities $31.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Sanger Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 1.24% | 43rd | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 11.9% | 22nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.0% | 62.9% | 53rd |
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 | Sanger 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 | Sanger Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Sanger 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 | Sanger 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 | Sanger 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.
2 branches in 2 counties across 1 state (+0 vs 2024) · $175.7M branch deposits. Biggest market: Denton, TX, ranked 27th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Denton, TX | 1 | $122.0M | 0.05% | 27th |
| Montague, TX | 1 | $53.7M | 7.71% | 5th |
Texas: 411th with 0.01% · Dallas-Fort Worth-Arlington metro: 143rd, 0.02% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2