BlastPoint's Banking Scorecard
Normangee State Bank
Micro
Specialty: Other
TX
FDIC cert 3368
Designations: ✓ Community bank
Normangee, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Normangee State Bank shows strong momentum with 1 strength and 7.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 16.80% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$158.5M
+7.2% YoY
-3.0% QoQ
|
-$59.0M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$92.1M
+15.9% YoY
+0.6% QoQ
|
-$47.0M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
40% |
| Total Deposits ? |
$132.8M
+1.5% YoY
-3.4% QoQ
|
-$50.9M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
40% |
| Return on Assets ? |
0.55%
-18.8% YoY
+1.7% QoQ
|
-0.53% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
4.33%
+0.7% YoY
-1.0% QoQ
|
+0.48% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
84.15%
+3.1% YoY
+1.2% QoQ
|
+16.43% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? |
0.89%
-54.2% YoY
-45.5% QoQ
|
+0.25% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
69.39%
+14.2% YoY
+4.2% QoQ
|
-5.13% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
34.57%
+2.5% YoY
-7.8% QoQ
|
+12.18% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
1.03%
-42.2% YoY
-27.2% QoQ
|
+0.58% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
25.65%
-7.4% YoY
-1.3% QoQ
|
+16.80% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.24%
-27.0% YoY
+98.0% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
25.65%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Tier 1 Capital Ratio
Current: 25.65% · Tier avg: 8.85%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.57% · Tier avg: 22.39%
73
73th pctile
Net Interest Margin
Current: 4.33% · Tier avg: 3.85%
63
63th pctile
Loan-to-Deposit Ratio
Current: 69.39% · Tier avg: 74.53%
41
41th pctile
Total Assets
Current: $158.5M · Tier avg: $217.5M
40
40th pctile
Total Deposits
Current: $132.8M · Tier avg: $183.7M
40
40th pctile
Total Loans
Current: $92.1M · Tier avg: $139.2M
32
32th pctile
Delinquency Rate
Current: 0.89% · Tier avg: 0.64%
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
20
20th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.08%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.45%
14
14th pctile
Efficiency Ratio
Current: 84.15% · Tier avg: 67.73%
Top Weaknesses
14
14th pctile
Efficiency Ratio
Current: 84.15% · Tier avg: 67.73%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.45%
20
20th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.08%
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
32
32th pctile
Delinquency Rate
Current: 0.89% · Tier avg: 0.64%
40
40th pctile
Total Loans
Current: $92.1M · Tier avg: $139.2M
40
40th pctile
Total Deposits
Current: $132.8M · Tier avg: $183.7M
41
41th pctile
Total Assets
Current: $158.5M · Tier avg: $217.5M
63
63th pctile
Loan-to-Deposit Ratio
Current: 69.39% · Tier avg: 74.53%
73
73th pctile
Net Interest Margin
Current: 4.33% · Tier avg: 3.85%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.57% · Tier avg: 22.39%
94
94th pctile
Tier 1 Capital Ratio
Current: 25.65% · Tier avg: 8.85%