BlastPoint's Banking Scorecard

Normangee State Bank

$100M-$1B Specialty: Other TX FDIC cert 3368

Normangee, TX

2 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Normangee State Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Non-Interest-Bearing Deposit Share 17.41% above tier average
+ Net Interest Margin 0.23% above tier average
+ Delinquency Rate 0.86% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 37.2% in tier
- Efficiency Drag: Bottom 44.9% in tier
- ROA 0.63% below tier average

Get updates when Normangee State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$173.2M +15.5% YoY +9.3% QoQ	-$212.9M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	20%
Total Loans ?	$93.3M +14.7% YoY +1.3% QoQ	-$162.4M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	17%
Total Deposits ?	$147.4M +11.8% YoY +11.0% QoQ	-$180.5M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	21%
Return on Assets ?	0.64% +55.5% YoY +16.3% QoQ	-0.63%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	18%
Net Interest Margin ?	4.16% -1.3% YoY -3.9% QoQ	+0.23%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	66%
Efficiency Ratio ?	81.66% -3.3% YoY -3.0% QoQ	+16.37%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Bottom 13.4% in tier
Delinquency Rate ?	0.03% -98.5% YoY -96.9% QoQ	-0.86%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	83%
Loan-to-Deposit Ratio ?	63.29% +2.6% YoY -8.8% QoQ	-13.35%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	77%
Non-Interest-Bearing Deposit Share ?	39.43% +19.7% YoY +14.1% QoQ	+17.41%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 5.4% in tier
Nonperforming Asset Ratio ?	0.35% -82.8% YoY -65.6% QoQ	-0.28%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	46%
Tier 1 Capital Ratio ?	24.84% -11.5% YoY -3.1% QoQ	+9.01%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 6.6% in tier
Non-Interest Income / Assets ?	0.04% -38.2% YoY -83.3% QoQ	-0.24%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Bottom 14.0% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Overhang

risk

#276 of 739 • Bottom 37.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 24.84%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 63.29%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Efficiency Drag

risk

#187 of 414 • Bottom 44.9% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 81.66%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

144

Non-Interest-Bearing Deposit Share

funding

Value: 39.43%

Peer Median: 22.02%

#144 of 2664 Top 5.4% in $100M-$1B

178

Tier 1 Capital Ratio

capital

Value: 24.84%

Peer Median: 15.83%

#178 of 2664 Top 6.6% in $100M-$1B

451

Delinquency Rate

credit_quality

Value: 0.03%

Peer Median: 0.89%

#451 of 2654 Top 17.0% in $100M-$1B

609

Loan-to-Deposit Ratio

liquidity

Value: 63.29%

Peer Median: 76.64%

#609 of 2664 Top 22.8% in $100M-$1B

Top Weaknesses (6 metrics)

2309

Efficiency Ratio

profitability

Value: 81.66%

Peer Median: 65.29%

#2309 of 2664 Bottom 13.4% in $100M-$1B

2291

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2291 of 2664 Bottom 14.0% in $100M-$1B

2209

Total Loans

size

Value: $93.32M

Peer Median: $255.72M

#2209 of 2664 Bottom 17.1% in $100M-$1B

2185

Return on Assets

profitability

Value: 0.64%

Peer Median: 1.27%

#2185 of 2664 Bottom 18.0% in $100M-$1B

2126

Total Assets

size

Value: $173.23M

Peer Median: $386.08M

#2126 of 2664 Bottom 20.2% in $100M-$1B

2115

Total Deposits

size

Value: $147.44M

Peer Median: $327.97M

#2115 of 2664 Bottom 20.6% in $100M-$1B