Normangee State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Normangee State Bank of Normangee, TX against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.73% | 1.34% | -0.61% | 20th bottom |
| ROAE | 6.19% | 13.32% | -7.13% | 18th bottom |
| Net Interest Margin | 4.20% | 3.93% | +0.27% | 64th above |
| Efficiency Ratio | 76.98% | 61.14% | +15.84% | 17th bottom |
| PPNR / Avg Assets | 0.91% | 1.68% | -0.77% | 17th bottom |
| Yield on Earning Assets | 5.26% | 5.67% | -0.41% | 33rd below |
| Cost of Funds | 1.20% | 1.88% | -0.68% | 85th top |
| Net Interest Spread | 3.36% | 3.32% | +0.04% | 52nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 0.94% | -0.91% | 82nd top |
| NPA / Total Assets | 0.02% | 0.70% | -0.68% | 84th top |
| NCO / Avg Loans | -0.06% | 0.16% | -0.22% | 95th top |
| ACL / Total Loans | 1.30% | 1.28% | +0.02% | 62nd above |
| ACL / NPLs (Coverage) | 5024.00% | 1538.06% | +3485.94% | — |
| Texas Ratio | 0.12% | 7.33% | -7.21% | 87th top |
| Provision / NCO | 0.00% | 1395.83% | -1395.83% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 26.00% | 19.50% | +6.50% | 90th top |
| Tier 1 Ratio | 26.00% | 19.53% | +6.47% | 90th top |
| Total Capital Ratio | 27.25% | 20.62% | +6.63% | 90th top |
| Leverage Ratio | 14.69% | 12.14% | +2.55% | 85th top |
| Equity / Assets | 12.03% | 11.37% | +0.66% | 71st above |
| TCE / Tangible Assets | 12.03% | 11.09% | +0.94% | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 66.73% | 80.64% | -13.91% | 75th top |
| Core Deposit Ratio | 91.14% | 86.86% | +4.28% | 62nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.37% | 6.85% | +1.52% | 77th top |
| Loan Growth (Y/Y) | 8.53% | 7.90% | +0.63% | 68th above |
| Deposit Growth (Y/Y) | 13.30% | 6.29% | +7.01% | 89th top |
See Normangee State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Normangee State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Normangee State Bank profile, how to read a UBPR, or how this data updates.