Sanger Bank
BankRegReports is independent of Sanger Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Sanger Bank is an FDIC-insured commercial bank headquartered in Sanger, TX, established in 1987 (FDIC certificate 27043), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $224.4M, up 6.0% from Q2 2025, the 245th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 26.99% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 27043
- Headquarters
- Sanger, TX
- Established
- 1987
- Total assets, Q2 2026
- $224.4M
- Assets vs Q2 2025
- +6.0%
- CET1 ratio, Q2 2026
- 26.99%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 111917309
- Holding company
- SANGER BANCSHARES, INC.
- Asset rank in state
- 245th of 346 in Texas
Problem loans are rising at Sanger Bank. It reported $224 million in assets at June 30, 2026, up 6.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.51% of loans from 0.00% a year earlier. It holds common equity equal to 26.99% of its risk-weighted assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also shrank its loan book 4.0% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Earnings fell sharply: quarterly net income of $586,000 was 34% below a year earlier. Over the same year, loans shrank 4.0% and deposits grew 6.2%. Profitability lags: it returns 6.5% a year on shareholders' equity, about half the median of 12.5% for banks its size.
As of June 30, 2026, Sanger Bank reported a CET1 capital ratio of 26.99%, a return on assets of 1.06%, a nonperforming-loan ratio of 0.51% and a Texas ratio of 1.67%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Sanger Bank is the 245th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.1% to $224.4M, loans were flat and deposits rose 2.3%. 1-4 family residential loans made up 26.4% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 17.9%. The FDIC Summary of Deposits lists 2 offices for it, in Sanger, TX and Bowie, TX; its Sanger office books 73% of its branch deposits. By the capital ratios in its Q2 2026 call report, Sanger Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1405 W Chapman Dr, Sanger, TX 76266
- County
- Denton
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 8, 1987
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 31
- Domestic deposits
- $186.6M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $0
- Average total assets
- $221.7M
- Average total loans
- $123.8M
- Average interest-bearing deposits
- $136.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 8, 1987
- FDIC Cert
- 27043
- Fed RSSD
- 336361
- Website
- http://www.sangerbank.com →
- Parent Holding Company
- SANGER BANCSHARES, INC. (RSSD 2497837)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Sanger Bank's total assets ranged from $199.7M (Q2 2024) to $226.4M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$224.4M total assets against $211.7M; $188.0M total liabilities against $177.1M.
$123.2M net loans and leases against $128.3M; $186.6M total deposits against $175.7M.
$31.6M securities against $33.3M; $57.4M cash and balances due against $38.3M.
$3.0M total interest income against $3.0M; $926K total interest expense against $947K.
$2.0M net interest income against $2.0M.
$167K total noninterest income against $355K; $1.5M total noninterest expense against $1.4M.
$5K provision for credit losses against $0.
$586K net income against $890K.
1.06% return on assets against 1.71%; 4.05% net interest margin against 4.27%.
26.99% CET1 capital ratio against 25.99%; 16.53% tier 1 leverage ratio against 16.74%.
Inside the full Sanger Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSanger Bank rankings
Its closest position to the top of a national ranking is 120 of 2,134, for CET1 ratio; its furthest is 2,435 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.56% (Q4 2025) to 1.73% (Q4 2024) and its net interest margin ran from 3.96% (Q1 2026) to 4.27% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 26.99% | 1.06% | 0.51% | 1.67% | 4.05% |
| Q1 2026 | 27.09% | 1.21% | 0.37% | 1.22% | 3.96% |
| Q4 2025 | 25.97% | 0.56% | 0.37% | 1.24% | 4.22% |
| Q3 2025 | 27.31% | 1.39% | 0.16% | 0.54% | 4.27% |
| Q2 2025 | 25.99% | 1.71% | 0.00% | 0.00% | 4.27% |
| Q1 2025 | 24.71% | 1.52% | 0.01% | 0.02% | 4.24% |
| Q4 2024 | 24.76% | 1.73% | 0.00% | 0.00% | 4.17% |
| Q3 2024 | 24.66% | 1.01% | 0.00% | 0.00% | 4.00% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Sanger Bank (main office) | Sanger , TX | 76266 | $136.2M |
| Sanger Bank-Bowie Branch | Bowie , TX | 76230 | $50.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 302 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 31 applications, 21 loans originated, $2.6M originated, across 2 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $56K approved, $56K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1997 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Sanger Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Sanger Bank
What are Sanger Bank's total assets?
As of the Q2 2026 filing, Sanger Bank reported total assets of $224.4 million in its FFIEC call report.
Where is Sanger Bank headquartered?
It is headquartered in Sanger, TX, United States.
When was Sanger Bank founded?
It was established in 1987, per the FDIC institution directory.
Is Sanger Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #27043). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sanger Bank?
Sanger Bank's primary federal regulator is the Federal Reserve.
What is Sanger Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 26.99% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Sanger Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Sanger Bank's Texas Ratio?
Its Texas Ratio is 1.67% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Sanger Bank.
Get an email when Sanger Bank files its next call report, and benchmark it against any peer you choose.
Unlock Sanger Bank, freeFree account