BlastPoint's Banking Scorecard
Sanger Bank
Sanger, TX
2 branches across TX
Sanger Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.50% below tier average
- + Delinquency Rate 0.52% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 22.5% in tier
- - Margin Compression: Bottom 29.2% in tier
- - Credit Quality Pressure: Bottom 45.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$219.7M
+5.1% YoY
-3.0% QoQ
|
-$166.4M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
31% |
| Total Loans ? |
$123.2M
-7.3% YoY
+1.2% QoQ
|
-$132.5M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
27% |
| Total Deposits ? |
$182.3M
+4.8% YoY
-4.1% QoQ
|
-$145.6M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
30% |
| Return on Assets ? |
1.21%
-20.0% YoY
-5.2% QoQ
|
-0.06% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
50% |
| Net Interest Margin ? |
3.91%
-5.9% YoY
-6.1% QoQ
|
-0.02% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
52% |
| Efficiency Ratio ? |
60.78%
-4.0% YoY
-6.3% QoQ
|
-4.50% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
58% |
| Delinquency Rate ? |
0.37%
-1.2% QoQ
|
-0.52% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
67.57%
-11.5% YoY
+5.5% QoQ
|
-9.07% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
25.58%
-0.9% YoY
-3.6% QoQ
|
+3.56% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.21%
+3.0% QoQ
|
-0.43% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
59% |
| Tier 1 Capital Ratio ? |
27.08%
+9.6% YoY
+4.3% QoQ
|
+11.25% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Top 5.0% in tier |
| Non-Interest Income / Assets ? |
0.07%
-29.7% YoY
-82.7% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
34% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (3)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.