Normangee State Bank: how it compares with its peers
Against 116 TX banks with half to twice its assets, Normangee State Bank's strongest measure in Q2 2026 is net interest margin (4.30% vs. a 4.15% peer median). Its weakest relative measure is return on assets (0.69% vs. 1.46%).
| Measure | Normangee State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.69% | 1.46% | Bottom third Ahead of 13% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.30% | 4.15% | Middle third Ahead of 55% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 79.88% | 63.72% | Bottom third Ahead of 13% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $6.4M | Bottom third Ahead of 31% of peers |
| Loans to deposits Net loans and leases over total deposits. | 65.87% | 63.53% | Context |
What it means for lending operations
Its efficiency ratio of 79.88% is above the 63.72% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Big Bend Banks, N.A. Marfa, TX · $165M
- The First National Bank of Quitaque Quitaque, TX · $167M
- The First National Bank of Eagle Lake Eagle Lake, TX · $168M
- The Brady National Bank Brady, TX · $168M
- Fidelity Bank of Texas Waco, TX · $163M
- Fannin Bank Bonham, TX · $159M
Questions about Normangee State Bank
How big is Normangee State Bank?
Normangee State Bank, established in 1912, is headquartered in Normangee, TX. It reported $165M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Normangee State Bank's return on assets?
0.69% annualized in Q2 2026, against a 1.46% median for 116 TX banks with half to twice its assets, ahead of 13% of them.
What is Normangee State Bank's efficiency ratio?
79.88% in Q2 2026: it spent about 80 cents in noninterest expense for each dollar of revenue. The peer median is 63.72%, and lower is better.
Is Normangee State Bank growing its loans?
Net loans grew 8.7% over the year to Q2 2026, while deposits grew 13.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.