Normangee State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 4.08 percentage points in Q2 2026, from 5.97% to 10.06%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Normangee State Bank is 210th of 346 on loan-to-deposit ratio, 66.73% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Normangee State Bank sits 14.11 points lower, at 66.73% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $96.7M |
| Net loans and leases | $95.4M |
| Loans held for sale | $0 |
| Loans to total assets | 58.41% |
| Loan-to-deposit ratio | 66.73% |
| Net loans to equity capital | 4.79% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.59% |
| Multifamily (5+ residential) | 3.16% |
| Commercial and industrial | 0.70% |
| Consumer | 14.29% |
| Credit cards | 0.00% |
| Farm | 4.19% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 115.42% |
| Construction concentration (Tier 1 capital + allowance) | 10.06% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $1.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $77.4M | $126.8M | 22.26% | 2.39% | 12.34% |
| Q4 2023 | $75.9M | $123.9M | 22.48% | 2.29% | 12.72% |
| Q1 2024 | $77.4M | $124.8M | 22.04% | 1.99% | 13.14% |
| Q2 2024 | $78.8M | $130.0M | 20.64% | 1.82% | 14.35% |
| Q3 2024 | $79.1M | $126.7M | 20.97% | 1.19% | 15.08% |
| Q4 2024 | $80.8M | $130.8M | 22.66% | 1.04% | 14.78% |
| Q1 2025 | $82.7M | $131.9M | 21.41% | 0.90% | 15.17% |
| Q2 2025 | $89.1M | $127.8M | 26.24% | 0.82% | 14.39% |
| Q3 2025 | $92.8M | $137.4M | 25.40% | 0.87% | 14.25% |
| Q4 2025 | $93.4M | $132.8M | 25.88% | 0.87% | 14.23% |
| Q1 2026 | $94.6M | $147.4M | 24.70% | 0.86% | 14.32% |
| Q2 2026 | $96.7M | $144.8M | 24.59% | 0.70% | 14.29% |
Normangee State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Normangee State Bank, freeSource: Call Report Schedule RC-C, 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)