Bank Comparison
Sanger Bank vs Muenster State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 10
winning metrics across 18 comparable rows
Capital adequacy
| Metric | Sanger Bank | Muenster State Bank |
|---|---|---|
| CET1 Ratio | 27.09% | — |
| Tier 1 Capital Ratio | 27.09% | — |
| Total Capital Ratio | 28.33% | — |
| Tier 1 Leverage Ratio | 16.17% | 14.37% |
| Equity / Assets | 16.32% | 11.88% |
Profitability
| Metric | Sanger Bank | Muenster State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.21% | 2.29% |
| Return on Equity (ROE) | 7.58% | 20.18% |
| Net Interest Margin (NIM) | 3.96% | 3.49% |
| Yield on Earning Assets | 5.79% | 4.61% |
| Cost of Funds | 2.05% | 1.25% |
Asset quality
| Metric | Sanger Bank | Muenster State Bank |
|---|---|---|
| Texas Ratio | 1.22% | 0.00% |
| Non-Performing Loan Ratio | 0.37% | 0.00% |
| Non-Performing Asset Ratio | 0.21% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.31% | 0.92% |
Balance sheet
| Metric | Sanger Bank | Muenster State Bank |
|---|---|---|
| Total Assets | $219,725K | $221,060K |
| Total Deposits | $182,326K | $189,139K |
| Total Loans | $124,832K | $81,392K |
| Total Equity | $35,870K | $26,264K |
| Net Income (quarter) | $673 | $1,305K |
Liquidity & funding
| Metric | Sanger Bank | Muenster State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 68.47% | 43.03% |
| Core Deposit Ratio | 77.61% | 92.92% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Sanger Bank | Muenster State Bank |
|---|---|---|
| Headquarters City | SANGER | MUENSTER |
| Headquarters State | TX | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 2 | 2 |
| Employees (FTE) | 31 | 18 |
| Established | Sept. 8, 1987, midnight | July 3, 1923, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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