Normangee, TX · Cert 3368 · Normangee Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
78
Asset Quality
50
Profitability
32
Liquidity
99
Efficiency
15
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.
Normangee, TX · Cert 3368 · Normangee Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.68% | 0.41% | 0.54% | 0.54% | 0.55% | 0.64% | 0.69% | +15 bps | |
| Return on Equity | 6.67% | 5.71% | 3.54% | 4.59% | 4.61% | 4.64% | 5.47% | 5.82% | +123 bps | |
| Net Interest Margin | 3.90% | 3.90% | 3.88% | 3.95% | 3.97% | 3.82% | 3.96% | 3.99% | +4 bps | |
| Efficiency Ratio | 77.12% | 81.63% | 84.41% | 82.98% | 83.16% | 84.15% | 81.66% | 79.88% | -311 bps | |
| Non-Interest Burden | 2.93% | 3.12% | 3.23% | 3.23% | 3.28% | 3.18% | 3.21% | 3.17% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.02% | 5.09% | 5.61% | 3.49% | 11.87% | 7.15% | 15.52% | 8.37% | +488 bps | |
| Loan Growth (YoY) | 2.16% | 6.46% | 6.85% | 13.08% | 17.40% | 15.63% | 14.37% | 8.53% | -454 bps | |
| Deposit Growth (YoY) | -0.15% | 5.54% | 5.67% | -1.67% | 8.48% | 1.54% | 11.76% | 13.30% | +1,497 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.68% | 1.92% | 1.87% | 1.69% | 1.62% | 0.88% | 0.03% | 0.03% | -166 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.02% | 0.04% | 0.07% | 0.04% | 0.03% | 0.11% | 0.02% | -4 bps | |
| Allowance / Loans | 1.65% | 1.60% | 1.56% | 1.42% | 1.37% | 1.36% | 1.31% | 1.30% | -12 bps | |
| Allowance Coverage of NPLs | 1.0x | 0.8x | 0.8x | 0.8x | 0.8x | 1.5x | 47.8x | 50.2x | +49.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.23% | 15.92% | 15.95% | 15.66% | 15.55% | 14.90% | 14.92% | 14.69% | -97 bps | |
| Total Risk-Based Capital | 31.20% | 28.95% | 29.32% | 27.40% | 27.23% | 26.90% | 26.09% | 27.25% | -14 bps | |
| Equity / Assets | 12.76% | 11.40% | 11.80% | 11.95% | 11.75% | 12.25% | 11.18% | 12.03% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.42% | 61.77% | 62.67% | 69.66% | 67.55% | 70.35% | 64.13% | 66.73% | -293 bps | |
| Liquid Assets / Assets | 6.12% | 5.21% | 5.77% | 3.81% | 8.28% | 5.41% | 10.49% | 7.79% | +399 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 118.47% | 122.57% | 115.77% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.69% | 0.87% | 1.20% | 1.65% | Beats 20% | 168 / 211 | ||
| Return on Equity | 5.72% | 7.52% | 11.67% | 14.58% | Beats 18% | 173 / 211 | ||
| Net Interest Margin | 3.99% | 3.28% | 3.82% | 4.31% | Beats 58% | 88 / 211 | ||
| Efficiency Ratio | 79.88% | 53.01% | 64.18% | 73.65% | Beats 15% | 180 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.03% | 0.01% | 0.30% | 1.10% | Beats 72% | 59 / 208 | ||
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.06% | Beats 27% | 152 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 26.00% | 11.72% | 14.45% | 19.57% | Beats 85% | 31 / 211 | ||
| Total Risk-Based Capital Ratio | 27.25% | 11.94% | 14.78% | 20.30% | Beats 86% | 30 / 211 | ||
| Equity / Assets | 12.03% | 9.41% | 11.06% | 12.94% | Beats 63% | 78 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.73% | 45.39% | 66.56% | 82.03% | 50th pctl | 103 / 208 | ||
| Loans / Assets | 58.41% | 39.13% | 56.90% | 70.46% | 53rd pctl | 100 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||