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
Unfavorable gap of $5.3M · efficiency ratio beats 15% of banks under $1B in assets in TX | 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 |