BlastPoint's Banking Scorecard
Sanger Bank
Micro
Specialty: Commercial
TX
FDIC cert 27043
Designations: ✓ Community bank
Sanger, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Sanger Bank shows strong momentum with 1 strength and 8.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 17.12% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$226.4M
+8.6% YoY
+3.4% QoQ
|
+$8.9M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$121.8M
-3.7% YoY
-0.8% QoQ
|
-$17.4M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$190.1M
+8.9% YoY
+4.5% QoQ
|
+$6.4M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
57% |
| Return on Assets ? |
1.27%
-1.4% YoY
-16.5% QoQ
|
+0.19% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
4.17%
+3.0% YoY
-0.1% QoQ
|
+0.31% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
67% |
| Efficiency Ratio ? |
64.85%
-0.1% YoY
+2.0% QoQ
|
-2.87% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
54% |
| Delinquency Rate ? |
0.38%
+130.5% QoQ
|
-0.26% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
64.06%
-11.6% YoY
-5.1% QoQ
|
-10.47% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
26.55%
+4.2% YoY
-6.9% QoQ
|
+4.15% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.20%
+120.9% QoQ
|
-0.25% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
25.97%
+4.9% YoY
-4.9% QoQ
|
+17.12% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.42%
+7.4% YoY
+20.6% QoQ
|
-0.14% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
59% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
25.97%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Tier 1 Capital Ratio
Current: 25.97% · Tier avg: 8.85%
70
70th pctile
Loan-to-Deposit Ratio
Current: 64.06% · Tier avg: 74.53%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 26.55% · Tier avg: 22.39%
67
67th pctile
Net Interest Margin
Current: 4.17% · Tier avg: 3.85%
64
64th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.08%
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
57
57th pctile
Total Assets
Current: $226.4M · Tier avg: $217.5M
57
57th pctile
Total Deposits
Current: $190.1M · Tier avg: $183.7M
56
56th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.45%
54
54th pctile
Efficiency Ratio
Current: 64.85% · Tier avg: 67.73%
51
51th pctile
Delinquency Rate
Current: 0.38% · Tier avg: 0.64%
51
51th pctile
Total Loans
Current: $121.8M · Tier avg: $139.2M
Top Weaknesses
51
51th pctile
Total Loans
Current: $121.8M · Tier avg: $139.2M
51
51th pctile
Delinquency Rate
Current: 0.38% · Tier avg: 0.64%
54
54th pctile
Efficiency Ratio
Current: 64.85% · Tier avg: 67.73%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.45%
57
57th pctile
Total Deposits
Current: $190.1M · Tier avg: $183.7M
57
57th pctile
Total Assets
Current: $226.4M · Tier avg: $217.5M
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
64
64th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.08%
67
67th pctile
Net Interest Margin
Current: 4.17% · Tier avg: 3.85%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 26.55% · Tier avg: 22.39%
70
70th pctile
Loan-to-Deposit Ratio
Current: 64.06% · Tier avg: 74.53%
94
94th pctile
Tier 1 Capital Ratio
Current: 25.97% · Tier avg: 8.85%