| Metric | Normangee State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +4.4% | +4.0 pts |
| Deposit growth (YoY) | +13.3% | +4.0% | +9.4 pts |
| Loan growth (YoY) | +8.7% | +5.6% | +3.1 pts |
| ROA | 0.69% | 1.24% | -0.6 pts |
| ROE | 5.8% | 11.9% | -6.0 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $165.5M | $144.8M | $95.4M | $19.9M | $569K | 0.69% | 4.30% | 0.02% |
| Q1 2026 | $173.2M | $147.4M | $93.3M | $19.4M | $265K | 0.64% | 4.16% | 0.35% |
| Q4 2025 | $158.5M | $132.8M | $92.1M | $19.4M | $849K | 0.55% | 4.33% | 1.03% |
| Q3 2025 | $163.5M | $137.4M | $91.5M | $19.2M | $622K | 0.54% | 4.37% | 1.41% |
| Q2 2025 | $152.7M | $127.8M | $87.8M | $18.3M | $404K | 0.54% | 4.38% | 1.98% |
| Q1 2025 | $150.0M | $131.9M | $81.4M | $17.7M | $153K | 0.41% | 4.22% | 2.05% |
| Q4 2024 | $147.9M | $130.8M | $79.5M | $16.9M | $980K | 0.68% | 4.30% | 1.78% |
| Q3 2024 | $146.1M | $126.7M | $77.8M | $18.6M | $863K | 0.80% | 4.28% | 0.91% |
Loan mix (Q2 2026): real estate $80.3M · commercial $680K · consumer $13.8M · securities $44.7M
| Ratio | Normangee State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 1.24% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 11.9% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.9% | 62.9% | 85th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Normangee State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Normangee State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Normangee State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Normangee State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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