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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 $13.5MQ3 2024Q2 2026
Deposit mix
61%Interest-bearing $88.7M39%Noninterest $56.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.72%, up 5 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 0.03% of loans (-166 bps YoY), with net recoveries of 0.06%.
  • 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.

Return on Assets (quarter, annualized)

0.72%+5 bps YoY

Net Interest Margin (quarter, annualized)

4.13%0 bps YoY

Efficiency Ratio (quarter, annualized)

78.14%-353 bps YoY

Tier 1 Leverage Ratio

14.69%-97 bps YoY

NIM

5.18%Q2 ’245.31%Q2 ’255.18%Q2 ’26+5%0%

Non-interest income vs. expense

3.52%Q2 ’243.58%Q2 ’253.24%Q2 ’26+6%-3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.32%0.41%0.66%0.55%0.56%0.64%0.72%+5 bps
Return on Equity6.37%2.64%3.54%5.59%4.65%4.70%5.47%6.19%+61 bps
Net Interest Margin3.88%3.99%3.88%4.13%4.15%3.80%3.96%4.13%0 bps
Efficiency Ratio77.65%94.83%84.41%81.68%83.51%86.95%81.66%78.14%-353 bps
Non-Interest Burden2.93%3.77%3.23%3.33%3.47%3.24%3.21%3.22%-10 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 / Loans1.68%1.92%1.87%1.69%1.62%0.88%0.03%0.03%-166 bps
Net Charge-Offs / Loans-0.28%0.04%0.04%0.10%-0.02%0.02%0.11%-0.06%-16 bps
Allowance / Loans1.65%1.60%1.56%1.42%1.37%1.36%1.31%1.30%-12 bps
Allowance Coverage of NPLs1.0x0.8x0.8x0.8x0.8x1.5x47.8x50.2x+49.4x
Capital
Tier 1 Leverage Ratio16.23%15.92%15.95%15.66%15.55%14.90%14.92%14.69%-97 bps
Total Risk-Based Capital31.20%28.95%29.32%27.40%27.23%26.90%26.09%27.25%-14 bps
Equity / Assets12.76%11.40%11.80%11.95%11.75%12.25%11.18%12.03%+8 bps
Liquidity & Funding
Loans / Deposits62.42%61.77%62.67%69.66%67.55%70.35%64.13%66.73%-293 bps
Liquid Assets / Assets6.12%5.21%5.77%3.81%8.28%5.41%10.49%7.79%+399 bps
CRE / Total Capitaln/an/an/an/a118.47%122.57%115.77%n/an/a