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 | |