Sanger Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sanger Bank of Sanger, TX against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.06% | 1.25% | -0.19% | 36th below |
| ROAE | 6.48% | 13.17% | -6.69% | 18th bottom |
| Net Interest Margin | 4.05% | 3.95% | +0.10% | 55th above |
| Efficiency Ratio | 65.91% | 61.50% | +4.41% | 36th below |
| PPNR / Avg Assets | 1.31% | — | — | 34th below |
| Yield on Earning Assets | 5.84% | 5.67% | +0.17% | 61st above |
| Cost of Funds | 2.00% | 1.87% | +0.13% | 37th below |
| Net Interest Spread | 3.12% | — | — | 38th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.34% | 0.93% | -0.59% | 54th above |
| NPA / Total Assets | 0.19% | — | — | 61st above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.32% | — | — | 65th above |
| ACL / NPLs (Coverage) | 386.59% | — | — | 66th above |
| Texas Ratio | 1.67% | 6.06% | -4.39% | 61st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 26.99% | 17.18% | +9.81% | 90th top |
| Tier 1 Ratio | 26.99% | 17.21% | +9.78% | 90th top |
| Total Capital Ratio | 28.21% | — | — | 90th top |
| Leverage Ratio | 16.53% | 11.75% | +4.78% | 92nd top |
| Equity / Assets | 16.25% | 10.98% | +5.27% | 92nd top |
| TCE / Tangible Assets | 16.25% | — | — | 92nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 66.90% | 80.44% | -13.54% | 75th top |
| Core Deposit Ratio | 77.84% | 86.95% | -9.11% | 12th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.03% | — | — | 61st above |
| Loan Growth (Y/Y) | -4.00% | — | — | 9th bottom |
| Deposit Growth (Y/Y) | 6.17% | — | — | 65th above |
See Sanger Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sanger Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Sanger Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Sanger Bank peer analysis.