Headquartered in Normangee, Texas, Normangee State Bank is a state-chartered bank with $165.5M in total assets and $144.8M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1912.
Based on its Q2 2026 filing, Normangee State Bank scores 86/100, which we describe as very strong. That is higher than 90% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 43rd. Its strongest component is problem-loan coverage (100/100; 0.1%), and its lowest is earnings (47/100; 0.69%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 16 points (70 → 86), mostly because the loan quality component improved by 55 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 89 |
| Q3 2024 | 74 |
| Q4 2024 | 70 |
| Q1 2025 | 67 |
| Q2 2025 | 70 |
| Q3 2025 | 71 |
| Q4 2025 | 77 |
| Q1 2026 | 86 |
| Q2 2026 | 86 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 16.62% |
| Q3 2024 | 16.23% |
| Q4 2024 | 15.92% |
| Q1 2025 | 15.95% |
| Q2 2025 | 15.66% |
| Q3 2025 | 15.55% |
| Q4 2025 | 14.90% |
| Q1 2026 | 14.92% |
| Q2 2026 | 14.69% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.08% |
| Q3 2024 | 1.68% |
| Q4 2024 | 1.92% |
| Q1 2025 | 1.87% |
| Q2 2025 | 1.69% |
| Q3 2025 | 1.62% |
| Q4 2025 | 0.88% |
| Q1 2026 | 0.03% |
| Q2 2026 | 0.03% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.81% |
| Q3 2024 | 0.80% |
| Q4 2024 | 0.68% |
| Q1 2025 | 0.41% |
| Q2 2025 | 0.54% |
| Q3 2025 | 0.54% |
| Q4 2025 | 0.55% |
| Q1 2026 | 0.64% |
| Q2 2026 | 0.69% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $165.5M | 14.69% | 0.03% | 0.69% | 65.9% |
| Q1 2026 | 86 | $173.2M | 14.92% | 0.03% | 0.64% | 63.3% |
| Q4 2025 | 77 | $158.5M | 14.90% | 0.88% | 0.55% | 69.4% |
| Q3 2025 | 71 | $163.5M | 15.55% | 1.62% | 0.54% | 66.6% |
| Q2 2025 | 70 | $152.7M | 15.66% | 1.69% | 0.54% | 68.7% |
| Q1 2025 | 67 | $150.0M | 15.95% | 1.87% | 0.41% | 61.7% |
| Q4 2024 | 70 | $147.9M | 15.92% | 1.92% | 0.68% | 60.8% |
| Q3 2024 | 74 | $146.1M | 16.23% | 1.68% | 0.80% | 61.4% |
| Q2 2024 | 89 | $147.6M | 16.62% | 0.08% | 0.81% | 59.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Big Bend Banks, N.A.Bank Marfa, TX | 95 out of 100, Very strong | $165.4M | 16.2% | 0.00% | vs |
| The First National Bank of QuitaqueBank Quitaque, TX | 65 out of 100, Moderate | $167.1M | 10.6% | 1.71% | vs |
| The First National Bank of Eagle LakeBank Eagle Lake, TX | 60 out of 100, Moderate | $167.7M | 11.4% | 2.25% | vs |
| The Brady National BankBank Brady, TX | 75 out of 100, Strong | $167.7M | 10.0% | 0.00% | vs |
| Fidelity Bank of TexasBank Waco, TX | 61 out of 100, Moderate | $162.8M | 10.6% | 0.05% | vs |
| Fannin BankBank Bonham, TX | 65 out of 100, Moderate | $159.1M | 8.6% | 1.04% | vs |
Deposit insurance
Is my money safe at Normangee State Bank?
Yes. Normangee State Bank is an FDIC-insured institution (FDIC certificate #3368). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.7% of deposits ($32.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.69%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 27.25% (benchmark: 10%).
2 locations
Branches
Normangee State Bank lists 2 offices in 2 cities. Most locations:
- Madisonville, TX (1)
- Normangee, TX (1)
Identity & history
Profile
- Legal name
- Normangee State Bank
- Former names
- The First National Bank of Normangee
- Type
- State-chartered bank
- FDIC certificate #
- 3368
- RSSD ID
- 958763
- Primary regulator
- FDIC
- Holding company
- Normangee Bancshares Inc
- Established
- January 1, 1912
- Headquarters
- 202 Main Street, Normangee, TX 77871
- Website
- www.normangeestatebank.com
- Employees
- 30
Quick answers
Normangee State Bank: common questions
Is Normangee State Bank FDIC insured?
Yes. Normangee State Bank is an FDIC-insured institution (FDIC certificate #3368). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Normangee State Bank's TellerScore?
86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Normangee State Bank ever failed?
There is no failure record for FDIC certificate #3368 in the FDIC failed bank list.
How many branches does Normangee State Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Normangee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank of HuntsvilleBank Huntsville, TX | 90 out of 100, Very strong | $584.9M | 13.3% | 0.05% | vs |
| First State Bank of BediasBank Bedias, TX | 81 out of 100, Strong | $224.8M | 17.9% | 2.01% | vs |
| SouthStar Bank, S.S.B.Bank Moulton, TX | 77 out of 100, Strong | $1.4B | 13.3% | 0.62% | vs |
| Community National Bank & Trust of TexasBank Corsicana, TX | 76 out of 100, Strong | $1.7B | 10.6% | 0.09% | vs |
| First Financial BankBank Abilene, TX | 76 out of 100, Strong | $15.2B | 11.6% | 0.77% | vs |
| Prosperity BankBank El Campo, TX | 71 out of 100, Strong | $43.9B | 10.6% | 0.48% | vs |