BlastPoint's Banking Scorecard

Normangee State Bank

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

Normangee, TX

2 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
Deposits +13.3% year over year ($144.8M on the books).
Delinquency rate 0.03%.
Return on assets 0.69%.
Efficiency ratio 79.88% vs a 64.48% peer average.
Loan-to-deposit ratio 65.87% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (TX) →

Normangee State Bank has 3 strengths but faces 4 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 16.74% above tier average
+ Net Interest Margin 0.32% above tier average
+ Delinquency Rate 0.89% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 28.4% in tier
- Non-Interest Income / Assets 0.52% below tier average
- ROA 0.64% below tier average
- Efficiency Ratio 15.40% above tier average

Get updates when Normangee State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$165.5M +8.4% YoY -4.5% QoQ	-$221.1M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	18%
Total Loans ?	$95.4M +8.7% YoY +2.2% QoQ	-$162.9M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	17%
Total Deposits ?	$144.8M +13.3% YoY -1.8% QoQ	-$181.9M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	20%
Return on Assets ?	0.69% +27.6% YoY +7.4% QoQ	-0.64%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	18%
Net Interest Margin ?	4.30% -1.8% YoY +3.4% QoQ	+0.32%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	71%
Efficiency Ratio ?	79.88% -3.7% YoY -2.2% QoQ	+15.40%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Bottom 13.9% in tier
Delinquency Rate ?	0.03% -98.5% YoY -6.0% QoQ	-0.89%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	83%
Loan-to-Deposit Ratio ?	65.87% -4.1% YoY +4.1% QoQ	-12.09%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	75%
Non-Interest-Bearing Deposit Share ?	38.77% +15.2% YoY -1.7% QoQ	+16.74%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 5.7% in tier
Nonperforming Asset Ratio ?	0.02% -99.2% YoY -95.7% QoQ	-0.65%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Top 14.9% in tier
Tier 1 Capital Ratio ?	26.00% -0.6% YoY +4.7% QoQ	+10.09%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Top 6.0% in tier
Non-Interest Income / Assets ?	0.05% -63.6% YoY +15.1% QoQ	-0.52%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Bottom 5.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	38.8% +5.1pp YoY -0.7pp QoQ	+16.6pp	22.1%	29.2%	22.2%	94%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	0.7% -0.1pp YoY -0.2pp QoQ	-10.8pp	11.6%	14.8%	12.5%	3%
CRE	30.8% -0.7pp YoY +0.9pp QoQ	-8.7pp	39.5%	48.4%	41.4%	36%
1-4 Family	49.1% -0.4pp YoY -0.1pp QoQ	+16.4pp	32.6%	25.8%	31.3%	81%
Consumer	14.5% -0.1pp YoY 0.0pp QoQ	+10.4pp	4.1%	4.7%	5.0%	96%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	26.0% -0.1pp YoY +1.2pp QoQ	+7.2pp	18.8%	22.7%	19.7%	90%
Leverage Ratio	14.7% -1.0pp YoY -0.2pp QoQ	+2.5pp	12.2%	12.6%	12.6%	85%
Total Capital Ratio	27.3% -0.1pp YoY +1.2pp QoQ	+7.3pp	19.9%	23.8%	20.8%	90%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	30 0 YoY 0 QoQ	-29	58	186	482	26%
Assets per Employee ($)	$5.5M +8.4% YoY -4.5% QoQ	-$2.0M	$7.5M	$10.1M	$8.8M	23%
Branch Count	2 0 YoY 0 QoQ	-3	4	12	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	1.0%	1.0%	7%
Allowance Coverage	50.24x +5859.8% YoY +5.2% QoQ	+26.09x	24.15x	18.82x	20.23x	94%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY -0.1pp QoQ	-0.1pp	0.1%	0.1%	0.2%	55%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	5.8% +1.2pp YoY +0.4pp QoQ	-6.4pp	12.2%	13.2%	11.6%	16%
Cost of Funds (YTD)	1.1% -0.2pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.6%	1.7%	16%
Net Income ($, YTD)	$569,000 +40.8% YoY — QoQ	-$2.0M	$2.6M	$15.9M	$40.4M	12%

Get Full Access to Normangee State Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (1)

Liquidity Overhang

risk

#212 of 742 • Bottom 28.4% 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: 26.00%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 65.87%

(Tier: 77.95%, National: 79.03%)

better than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

152

Non-Interest-Bearing Deposit Share

funding

Value: 38.77%

Peer Median: 22.03%

#152 of 2643 Top 5.7% in $100M-$1B

160

Tier 1 Capital Ratio

capital

Value: 26.00%

Peer Median: 15.91%

#160 of 2643 Top 6.0% in $100M-$1B

396

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.67%

#396 of 2643 Top 14.9% in $100M-$1B

447

Delinquency Rate

credit_quality

Value: 0.03%

Peer Median: 0.92%

#447 of 2633 Top 16.9% in $100M-$1B

650

Loan-to-Deposit Ratio

liquidity

Value: 65.87%

Peer Median: 77.95%

#650 of 2643 Top 24.6% in $100M-$1B

Top Weaknesses (6 metrics)

2509

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.57%

#2509 of 2643 Bottom 5.1% in $100M-$1B

2277

Efficiency Ratio

profitability

Value: 79.88%

Peer Median: 64.48%

#2277 of 2643 Bottom 13.9% in $100M-$1B

2190

Total Loans

size

Value: $95.40M

Peer Median: $258.35M

#2190 of 2643 Bottom 17.2% in $100M-$1B

2162

Total Assets

size

Value: $165.49M

Peer Median: $386.57M

#2162 of 2643 Bottom 18.2% in $100M-$1B

2156

Return on Assets

profitability

Value: 0.69%

Peer Median: 1.32%

#2156 of 2643 Bottom 18.5% in $100M-$1B

2121

Total Deposits

size

Value: $144.85M

Peer Median: $326.73M

#2121 of 2643 Bottom 19.8% in $100M-$1B