# SANGER BANK
SANGER, TX · FDIC certificate 27043 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $224.4M | |
| Deposits | $186.6M | |
| Loans and leases | $124.8M | |
| Total equity | $36.5M | |
| Loans / deposits | 66.02% (p39 of band) | 73.59% |
| Liquid assets / assets | 39.66% (p62 of band) | |
| Uninsured deposits / deposits | 27.02% (p74 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.53% (p84 of band) | 11.76% |
| Unrealized securities loss / equity | -7.63% (p47 of band) | -6.57% |
| AOCI / equity | 0.02% (p86 of band) | |
| ROA (annualized) | 1.13% (p48 of band) | 1.17% |
| Net interest margin | 3.94% (p51 of band) | 3.93% |
| Efficiency ratio | 64.04% (p45 of band) | |
| Noncurrent loans | 0.51% (p56 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 258.33% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 54.04% (p81 of band) | |
| Auto loans | $1.2M (0.94% of loans; DQ 1.19%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.2% | |
| Employees | 31 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | uninsured deposits leaving |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | uninsured deposits leaving |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | reserve under noncurrent | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | capital falling | reserve under noncurrent |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | construction >100% equity |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | construction >100% equity |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2018-06-18 [First United Bank announces new Sanger branch president - Denton Record-Chronicle](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNdW5lUjdFTWd5SzAzVXQyTDUtZ3FyNC1iVTd5a2FIcFhwdW9tcHBTSjctZ3V5SUNsV0dvWHVCdGNDSXY2NmNBY2ZSWTlIRGFrVl9zX3c5Y1JVM1ZIelpIV2xFdW15MGZJQUMtWWZCWFRHTjduZEFJYjQwYkdRay1tZ1ZLdFVmd25BT2N5ZndHZ2ZqMUZyN3IyYm5LaGI4MmxlRW1HZnVyczBMTkgwNFZBbGFhaTB5YUtSMmR4M0ZpTkdWdzY5ZS1pOWRQMnl0Y01F?oc=5) · Denton Record-Chronicle
- 2025-02-11 [Larry Allen Musick Obituary Aug 9, 2010 - Hawkins Funeral Homes](https://news.google.com/rss/articles/CBMiakFVX3lxTE55UklhSWkzOG51MmtIeGxONzVfSjREX1Z4WkpmQTVUUEFLS05lZFRIX2tkRmpvNmxuaW9nZ3Zzb3VPZjc0TDZpY1VEWHdRNTFyZktNa1VJXzhPUU5Zd2EzaWN0RzFjdnRuUlE?oc=5) · Hawkins Funeral Homes
- 2023-09-20 [DFW Bank Snapshot: Take a closer look at Lakeside Bank - The Business Journals](https://news.google.com/rss/articles/CBMiigFBVV95cUxPT3RUaDVhb0toQ3NsdnkwZ2c0Qjc4SWlDWEF0Y3p2SGlNT0ZMYWRJb0JmQl9zYzYxQ1FKMVlJSnZyUWNLZ1k0UWxqcE9LcHVWTVh4clN6cGRfMmlzUVdMdzlUR0VLZHpfQjJ2VDBzYmRHUlJhZ0VHSlBvQ2FBZGZkVFlVME95aldyNmc?oc=5) · The Business Journals
- 2025-08-08 [Man attempts to rob Wellington State Bank in Bowie - Bowie News -](https://news.google.com/rss/articles/CBMikAFBVV95cUxQWklyNFdkM19OcmFOWll4cC00OE9uYzJydW9lUzlFWHh6dGptR1JhcnBXUjE5cTN4NHl1aW16eUZWZHNnRUs0SEhHYTdtVkQ5YmVXZ21sYThtaGwwdW1xQ0k2UnBUYXBySG9pSnM3b1M5cnUyQzVLWk13TFNTZnRwanlWYmZybWJEOERZN2hhVUg?oc=5) · Bowie News -
- 2024-09-05 [Phillip Bryan Barber Obituary in Bowie at White Family Funeral Home - articobits.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOcU81Wk92Tjg2OG9IUGxCMzBCOUl5cER1UHpfMjBma2xoQ2ZlMGxRY3o5YzlhN1JUbWJ4TVhUaU1QV09TYTJuU01oYURkdTg5VGZsUnMwV3ZXeVQ0V2lqMzZPUWxUODJUVmlZNU5idnl2bFVzVlQtcG5qcEVmdkR4RzFNblVmY2pjLTBPdVhOYmhrMFh3Q01wdQ?oc=5) · articobits.com
- 2026-08-15 [Aletha Rene Jules Obituary (2026) - Aubrey, TX - Coker Funeral Home - Sanger - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNZnZVVVd4bl90Y3ZDR1FPRkNBcHp1Q0NxdGwzOHM2QVlVRzNBTXNraUxHNV96MFVYbzcxWDRPemNzRFBNOUJBTkY2T2pEeEJudUpsSEFITmlZbVpCQzAyYjhHVWFQWGlhdVdYSnBoVnkxNWFLTWpXc1o1VlpjN3IxZA?oc=5) · legacy.com
- 2025-02-24 [2025 Tri-County Farmer and Rancher Symposium - North Texas e-News](https://news.google.com/rss/articles/CBMibkFVX3lxTE1hNkVTSm9WbGQySkF0RG9ucTFkSTBicENmcm5sd1gtdFFuR2JSQi15UlA4V2IxejloWGw1UTFfMWJFRk1LZld4NFNwV2VpRUcxZ0Vya243dEc2bnVma3AwLUcweVNtRmlMMktteWJR?oc=5) · North Texas e-News
- 2018-11-28 [Bowie area mourns death of teen killed in Lewisville crash - Times Record News](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPVlo5azVPaW9XUU1GMHNVLUZKQ2F3N19vdE5qSEwzMV9NcUl4cEtRbGJPY0h5QTU0emtrY3Fxd2tDTDBad040amJwbUdueFV3Q05xbkM0Q3pIeXg0aE5VUGxtZHVSTEZYZzBWT0ZGR1JlellTREY0bm9xdHNWYVhEdEFRUnRVN2NaRXFQeUl5RmVqdVhFc3RmRFdmMDRDSmI5cHNmZEdyOU1rQ0htbXpLZmswTFBBaVR2NXUtOXpDc2JMUQ?oc=5) · Times Record News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27043 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/35.json (key "27043", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide