SANGER BANK

SANGER, TX | Small | Est. Sept. 8, 1987, midnight | FDIC #27043 | RSSD #336361 | FED
Latest Report: 2025-12-31

SANGER BANK is asn small FDIC-insured commercial bank headquartered in SANGER, TX, established in Sept. 8, 1987, midnight. As of 2025-12-31, the bank reported total assets of $226M and total deposits of $190M. Profitability stands at 0.56% ROA and 3.53% ROE, with a net interest margin of 4.18%. The bank's CET1 capital ratio is 25.97%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #27043.

Assets

$226M

Deposits

$190M

Loans

$123M

Equity

$35M

Profitability

Return on Assets (ROA) 0.56%
Return on Equity (ROE) 3.53%
Net Interest Margin (NIM) 4.18%
Yield on Assets 6.09%
Cost of Funds 2.11%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.05%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.31%

Capital & Liquidity

CET1 Ratio 25.97%
Tier 1 Capital 25.97%
Total Capital Ratio 27.17%
Leverage Ratio 15.88%
Loan-to-Deposit 64.91%

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