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Sanger Bank
Sanger, TX · FDIC Certificate #27043 · Chartered 09/0
Total assets
$224.45M
Total deposits
$186.59M
Total equity
$36.47M
Net loans
$123.17M
Branches (offices)
2
Net income (YTD)
$1.26M
Rank: #2,843 of 4,213 U.S. banks by assets · #245 of 346 in Texas. Assets changed 6.0% and deposits 6.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.13% |
| Return on equity | 7.02% |
| Net interest margin (YTD) | 3.94% |
| Equity to assets | 16.25% |
| Tier 1 leverage ratio | 16.53% |
| Uninsured deposits (share of deposits) | 27.0% |
| Noncurrent loans (share of loans) | 0.51% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 66.0% |
| Real estate loans (share of loans) | 81.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $100.13M | 81.3% | |
| Commercial & industrial | $14.66M | 11.9% | |
| Consumer / individual | $3.63M | 2.9% | |
| Construction & development | $19.71M | 16.0% | |
| Agricultural | $2.41M | 2.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $193.45M | $165.29M | $990.00K | $27.23M |
| Jun 2023 | $203.28M | $172.49M | $1.43M | $29.58M |
| Jun 2024 | $199.66M | $166.39M | $1.24M | $31.97M |
| Jun 2025 | $211.69M | $175.74M | $1.68M | $34.61M |
| Jun 2026 | $224.45M | $186.59M | $1.26M | $36.47M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $186.59M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $186.59M.
Similar-sized banks
Franklin State Bank & Trust Company ($224.68M) · Wcf Financial Bank ($224.38M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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