NORMANGEE STATE BANK

NORMANGEE, TX | Small | Est. Jan. 1, 1912, midnight | FDIC #3368 | RSSD #958763 | FDIC
Latest Report: 2025-12-31

NORMANGEE STATE BANK is asn small FDIC-insured commercial bank headquartered in NORMANGEE, TX, established in Jan. 1, 1912, midnight. As of 2025-12-31, the bank reported total assets of $159M and total deposits of $133M. Profitability stands at 0.56% ROA and 4.70% ROE, with a net interest margin of 4.12%. The bank's CET1 capital ratio is 25.65%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.03% and a Texas Ratio of 4.03%. FDIC Certificate #3368.

Assets

$159M

Deposits

$133M

Loans

$93M

Equity

$19M

Profitability

Return on Assets (ROA) 0.56%
Return on Equity (ROE) 4.70%
Net Interest Margin (NIM) 4.12%
Yield on Assets 5.36%
Cost of Funds 1.31%

Asset Quality

NPL Ratio 0.03%
Net Charge-Off Ratio 0.03%
Texas Ratio 4.03%
NPA Ratio 0.53%
ACL / Loans 1.36%

Capital & Liquidity

CET1 Ratio 25.65%
Tier 1 Capital 25.65%
Total Capital Ratio 26.90%
Leverage Ratio 14.90%
Loan-to-Deposit 70.35%

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