Sanger Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Equity capital to average assets rose 0.37 percentage points from Q1 2026 to Q2 2026, ending at 16.45% against 16.08%. It was the largest change among the key lines on this page. Within Texas, Sanger Bank is 36th of 184 on CET1 ratio, 26.99% as of Q2 2026. Against a median of 15.08% for banks in the $100M-1B asset tier, Sanger Bank reported 26.99% on CET1 ratio in Q2 2026, 11.90 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 26.99% |
| Tier 1 risk-based capital ratio | 26.99% |
| Total risk-based capital ratio | 28.21% |
| Tier 1 leverage ratio | 16.53% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $36.7M |
| Tier 1 capital | $36.7M |
| Total risk-based capital | $38.3M |
| Total equity capital | $36.5M |
| Risk-weighted assets | $135.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.25% |
| Tangible equity to tangible assets | 16.25% |
| Equity capital to average assets | 16.45% |
| Internal capital growth rate | 6.53% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $5.2M |
| Retained earnings | $30.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$182K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 23.87% | 23.87% | 25.08% | 14.91% | $128.3M |
| Q4 2023 | 23.23% | 23.23% | 24.40% | 14.99% | $133.4M |
| Q1 2024 | 24.30% | 24.30% | 25.52% | 15.67% | $130.4M |
| Q2 2024 | 24.28% | 24.28% | 25.42% | 16.06% | $132.7M |
| Q3 2024 | 24.66% | 24.66% | 25.83% | 16.08% | $132.8M |
| Q4 2024 | 24.76% | 24.76% | 26.01% | 15.97% | $133.9M |
| Q1 2025 | 24.71% | 24.71% | 25.95% | 16.42% | $137.4M |
| Q2 2025 | 25.99% | 25.99% | 27.24% | 16.74% | $134.0M |
| Q3 2025 | 27.31% | 27.31% | 28.57% | 16.58% | $130.3M |
| Q4 2025 | 25.97% | 25.97% | 27.17% | 15.88% | $136.3M |
| Q1 2026 | 27.09% | 27.09% | 28.33% | 16.17% | $133.2M |
| Q2 2026 | 26.99% | 26.99% | 28.21% | 16.53% | $135.8M |
Sanger Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sanger Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Sanger Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27043) · FFIEC NIC profile (RSSD 336361)