TX lenders / Community Bank
Sanger Bank
Community Bank · Sanger, TX · Sanger Bancshares Inc
- Total assets
- $219.7M
- CRE loan book
- $61.9M
- QoQ CRE growth
- -7.5%
- Q1 2026
Recorded CRE activity — denton County
2 commercial deeds of trust recorded recently, verified from county records.
- Jun 26, 2026 · landundisclosed
- Jun 26, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.97% as of Q1 2026 — TX bank median 6.76% (0.22pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.97% | 7.16% |
| Q4 2025 | 7.44% | 7.58% |
| Q3 2025 | 6.98% | 7.23% |
| Q2 2025 | 6.92% | 7.19% |
| Q1 2025 | 6.89% | 7.18% |
| Q4 2024 | 6.82% | 7.16% |
| Q3 2024 | 6.62% | 6.90% |
| Q2 2024 | 6.21% | 6.54% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $61.9M | $18.2M | $0 | 103% | $0 |
| Q4 2025 | $66.9M | $21.5M | $0 | 115% | $0 |
| Q3 2025 | $66.3M | $21.6M | $0 | 112% | $0 |
| Q2 2025 | $66.0M | $21.6M | $0 | 115% | $0 |
| Q1 2025 | $69.3M | $24.4M | $0 | 126% | $0 |
| Q4 2024 | $65.6M | $25.7M | $0 | 131% | $0 |
| Q3 2024 | $66.7M | $26.8M | $0 | 137% | $0 |
| Q2 2024 | $66.7M | $26.3M | $0 | 139% | $0 |
Sanger Bank: frequently asked questions
- How large is Sanger Bank's commercial real estate loan book?
- As of Q1 2026, Sanger Bank reported $61.9M in commercial real estate loans out of $219.7M in total assets, per its FFIEC Call Report.
- Is Sanger Bank above the 300% CRE concentration guideline?
- Sanger Bank's CRE loans stood at 103% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is Sanger Bank growing or shrinking its CRE lending?
- Sanger Bank's CRE loan book shrank 7.5% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Sanger Bank in recorded CRE lending?
- 2 commercial deeds of trust naming Sanger Bank as lender have been recorded recently in denton County, verified from county records; the most recent was recorded Jun 26, 2026.
Answers generated from the verified data on this page — FFIEC Call Reports, county records, and first-party conversations — as of the dates shown.
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Napoleon State BankCommunity Bank · Napoleon · $61.6M CRE book
- Farmers and Merchants BankCommunity Bank · Laotto · $62.2M CRE book
- First State Bank of ForrestCommunity Bank · Forrest · $61.4M CRE book
- Farmers State BankCommunity Bank · Pittsfield · $62.3M CRE book
- FreedomBankCommunity Bank · Elkader · $61.1M CRE book
Markets where Sanger Bank lends
Sanger Bank has commercial deeds of trust recorded in this metro. See who else is active there and current rate ranges by property type.
Dallas–Fort Worth
Dallas–Fort Worth (Dallas, Tarrant, Collin & Denton Counties)
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.