Normangee, TX · Cert 3368 · Normangee Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.66% | 0.55% | 0.56% | 0.64% | 0.72% | +5 bps | |
| Return on Equity | 5.59% | 4.65% | 4.70% | 5.47% | 6.19% | +61 bps | |
| Net Interest Margin | 4.13% | 4.15% | 3.80% | 3.96% | 4.13% | 0 bps | |
| Efficiency Ratio | 81.68% | 83.51% | 86.95% | 81.66% | 78.14% | -353 bps | |
| Non-Interest Burden | 3.33% | 3.47% | 3.24% | 3.21% | 3.22% | -10 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 / Loans | 1.69% | 1.62% | 0.88% | 0.03% | 0.03% | -166 bps | |
| Net Charge-Offs / Loans | 0.10% | -0.02% | 0.02% | 0.11% | -0.06% | -16 bps | |
| Allowance / Loans | 1.42% | 1.37% | 1.36% | 1.31% | 1.30% | -12 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.8x | 1.5x | 47.8x | 50.2x | +49.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.66% | 15.55% | 14.90% | 14.92% | 14.69% | -97 bps | |
| Total Risk-Based Capital | 27.40% | 27.23% | 26.90% | 26.09% | 27.25% | -14 bps | |
| Equity / Assets | 11.95% | 11.75% | 12.25% | 11.18% | 12.03% | +8 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.66% | 67.55% | 70.35% | 64.13% | 66.73% | -293 bps | |
| Liquid Assets / Assets | 3.81% | 8.28% | 5.41% | 10.49% | 7.79% | +399 bps | |
| CRE / Total Capital | n/a | 118.47% | 122.57% | 115.77% | n/a | n/a | |