PackageTrendsPeer
Letter portraitLegal landscape

Normangee State Bank

Normangee, TX · Cert 3368 · Normangee Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

78

Q2 2024Q2 2026peer median (50)

Asset Quality

50

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

15

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Normangee State Bank

Normangee, TX · Cert 3368 · Normangee Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$165.5MAssets
$96.7MLoans
$144.8MDeposits
$19.9MEquity
Loan mix
85%RE $78.5M1%C&I $0.8M15%Consumer $13.5MQ2 2025Q2 2026
Deposit mix
61%Interest-bearing $88.7M39%Noninterest $56.2MQ2 2025Q2 2026

NIM

5.19%Q2 ’245.17%Q2 ’255.05%Q2 ’26-3%+1%

Non-interest income vs. expense

3.38%Q2 ’243.49%Q2 ’253.26%Q2 ’26+7%-2%

Executive Summary

  • Earnings: ROA of 0.69%, up 15 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 0.03% of loans (-166 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 14.69%, down 97 bps from a year ago.
  • Funding: loans stand at 66.73% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.69%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.99%+4 bps YoY

Efficiency Ratio (YTD, annualized)

79.88%-311 bps YoY

Tier 1 Leverage Ratio

14.69%-97 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.54%0.55%0.64%0.69%+15 bps
Return on Equity4.59%4.61%4.64%5.47%5.82%+123 bps
Net Interest Margin3.95%3.97%3.82%3.96%3.99%+4 bps
Efficiency Ratio82.98%83.16%84.15%81.66%79.88%-311 bps
Non-Interest Burden3.23%3.28%3.18%3.21%3.17%-6 bps
Growth
Asset Growth (YoY)3.49%11.87%7.15%15.52%8.37%+488 bps
Loan Growth (YoY)13.08%17.40%15.63%14.37%8.53%-454 bps
Deposit Growth (YoY)-1.67%8.48%1.54%11.76%13.30%+1,497 bps
Asset Quality
Nonperforming Loans / Loans1.69%1.62%0.88%0.03%0.03%-166 bps
Net Charge-Offs / Loans0.07%0.04%0.03%0.11%0.02%-4 bps
Allowance / Loans1.42%1.37%1.36%1.31%1.30%-12 bps
Allowance Coverage of NPLs0.8x0.8x1.5x47.8x50.2x+49.4x
Capital
Tier 1 Leverage Ratio15.66%15.55%14.90%14.92%14.69%-97 bps
Total Risk-Based Capital27.40%27.23%26.90%26.09%27.25%-14 bps
Equity / Assets11.95%11.75%12.25%11.18%12.03%+8 bps
Liquidity & Funding
Loans / Deposits69.66%67.55%70.35%64.13%66.73%-293 bps
Liquid Assets / Assets3.81%8.28%5.41%10.49%7.79%+399 bps
CRE / Total Capitaln/a118.47%122.57%115.77%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Normangee State Bank

Normangee, TX · Cert 3368 · Peer group: banks under $1B in assets in TX (n=208-211) · Normangee Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$165.5MAssets
$96.7MLoans
$144.8MDeposits
$19.9MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 86% of banks under $1B in assets in TX (rank 30 of 211).
  • Widest gap: efficiency ratio trails 85% of banks under $1B in assets in TX (rank 180 of 211).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.69%

Rank 168 of 211

Net Interest Margin

3.99%

Rank 88 of 211

Efficiency Ratio

79.88%

Rank 180 of 211

Equity / Assets

12.03%

Rank 78 of 211

Non-interest income vs. expense

$0.2M$5.4MINCOMEEXPENSE
Unfavorable gap of $5.3M · efficiency ratio beats 15% of banks under $1B in assets in TX
Bank 79.88%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.69%0.87%1.20%1.65%Beats 20%168 / 211
Return on Equity5.72%7.52%11.67%14.58%Beats 18%173 / 211
Net Interest Margin3.99%3.28%3.82%4.31%Beats 58%88 / 211
Efficiency Ratio79.88%53.01%64.18%73.65%Beats 15%180 / 211
Asset Quality
Nonperforming Loans / Loans0.03%0.01%0.30%1.10%Beats 72%59 / 208
Net Charge-Offs / Loans0.05%0.00%0.01%0.06%Beats 27%152 / 208
Capital
Tier 1 Capital Ratio26.00%11.72%14.45%19.57%Beats 85%31 / 211
Total Risk-Based Capital Ratio27.25%11.94%14.78%20.30%Beats 86%30 / 211
Equity / Assets12.03%9.41%11.06%12.94%Beats 63%78 / 211
Liquidity & Funding
Loans / Deposits66.73%45.39%66.56%82.03%50th pctl103 / 208
Loans / Assets58.41%39.13%56.90%70.46%53rd pctl100 / 211
Brokered Deposits / Depositsn/aNot reported for this institution