Normangee State Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Equity capital to total assets climbed 0.85 percentage points in Q2 2026, from 11.18% to 12.03%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Normangee State Bank is 39th of 184 on CET1 ratio, 26.00% as of Q2 2026, above the middle of the field. Normangee State Bank's CET1 ratio of 26.00% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 10.93 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 26.00% |
| Tier 1 risk-based capital ratio | 26.00% |
| Total risk-based capital ratio | 27.25% |
| Tier 1 leverage ratio | 14.69% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $24.5M |
| Tier 1 capital | $24.5M |
| Total risk-based capital | $25.6M |
| Total equity capital | $19.9M |
| Risk-weighted assets | $94.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.03% |
| Tangible equity to tangible assets | 12.03% |
| Equity capital to average assets | 11.96% |
| Internal capital growth rate | 6.28% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $800K |
| Common stock surplus | $1.0M |
| Retained earnings | $22.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.6M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 28.92% | 28.92% | 30.17% | 16.28% | $79.6M |
| Q4 2023 | 29.67% | 29.67% | 30.93% | 16.46% | $77.1M |
| Q1 2024 | 29.78% | 29.78% | 31.04% | 16.52% | $78.0M |
| Q2 2024 | 29.03% | 29.03% | 30.28% | 16.62% | $80.8M |
| Q3 2024 | 29.95% | 29.95% | 31.20% | 16.23% | $79.3M |
| Q4 2024 | 27.70% | 27.70% | 28.95% | 15.92% | $84.7M |
| Q1 2025 | 28.06% | 28.06% | 29.32% | 15.95% | $84.1M |
| Q2 2025 | 26.15% | 26.15% | 27.40% | 15.66% | $91.2M |
| Q3 2025 | 25.98% | 25.98% | 27.23% | 15.55% | $92.7M |
| Q4 2025 | 25.65% | 25.65% | 26.90% | 14.90% | $93.3M |
| Q1 2026 | 24.84% | 24.84% | 26.09% | 14.92% | $97.2M |
| Q2 2026 | 26.00% | 26.00% | 27.25% | 14.69% | $94.1M |
Normangee State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Normangee State Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Normangee State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3368) · FFIEC NIC profile (RSSD 958763)