# NORMANGEE STATE BANK
NORMANGEE, TX · FDIC certificate 3368 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $165.5M | |
| Deposits | $144.8M | |
| Loans and leases | $96.7M | |
| Total equity | $19.9M | |
| Loans / deposits | 65.87% (p39 of band) | 73.59% |
| Liquid assets / assets | 36.93% (p58 of band) | |
| Uninsured deposits / deposits | 22.71% (p61 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.69% (p75 of band) | 11.76% |
| Unrealized securities loss / equity | -28.94% (p14 of band) | -6.57% |
| AOCI / equity | -0.23% (p58 of band) | |
| ROA (annualized) | 0.69% (p25 of band) | 1.17% |
| Net interest margin | 4.30% (p68 of band) | 3.93% |
| Efficiency ratio | 79.88% (p78 of band) | |
| Noncurrent loans | 0.03% (p27 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p68 of band) | |
| Reserve coverage of noncurrent | 5024.00% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 12.99% (p43 of band) | |
| Auto loans | $4.6M (4.73% of loans; DQ 2.21%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 13.3% | |
| Employees | 30 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | auto book souring |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | auto book souring |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2014-06 | 1 |  | charge-offs p90 |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 | charge-offs p90 | reserve under noncurrent |
| 2015-03 | 0 |  | charge-offs p90 |
| 2015-06 | 1 | charge-offs p90 |  |
| 2015-09 | 0 |  | charge-offs p90 |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 2 | charge-offs p90 |  |
| 2016-06 | 1 |  | charge-offs p90 |
| 2016-09 | 2 | charge-offs p90 |  |
| 2016-12 | 3 | noncurrent p90 |  |
| 2017-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2017-06 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-09 | 3 | charge-offs p90 |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 | deposits shrinking | noncurrent p90 |
| 2018-09 | 5 | noncurrent p90, assets shrinking |  |
| 2018-12 | 4 |  | noncurrent p90 |
| 2019-03 | 4 | noncurrent p90 | assets shrinking |
| 2019-06 | 4 |  |  |
| 2019-09 | 3 |  | deposits shrinking |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | uninsured deposits leaving |  |
| 2020-06 | 3 |  | uninsured deposits leaving |
| 2020-09 | 2 | capital falling | reserve under noncurrent, noncurrent p90 |
| 2020-12 | 2 | noncurrent p90 | capital falling |
| 2021-03 | 1 |  | noncurrent p90 |
| 2021-06 | 2 | capital falling, noncurrent p90 | charge-offs p90 |
| 2021-09 | 1 | charge-offs p90 | capital falling, noncurrent p90 |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | capital falling, AOCI drag >20% of equity |  |
| 2022-06 | 3 | securities losses >30% of equity | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 5 | assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 1 |  | charge-offs p90, AOCI drag >20% of equity, assets shrinking, uninsured deposits leaving |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 3 | reserve under noncurrent, uninsured deposits leaving |  |
| 2024-12 | 3 | capital falling | uninsured deposits leaving |
| 2025-03 | 2 |  | capital falling |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | capital falling |  |
| 2025-12 | 1 |  | securities losses >30% of equity, reserve under noncurrent |
| 2026-03 | 1 | securities losses >30% of equity | capital falling |
| 2026-06 | 0 |  | securities losses >30% of equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-09 [KBTX Game of the Week features Iola at Burton - KBTX News 3](https://news.google.com/rss/articles/CBMid0FVX3lxTE1HSGdlclBjUm4wbnA1YXcwUUJnODBoakJVRHpGNHE2cTk3Z2NLZmFjY19DQXBVcXliOWZyNFVCanc2d2hKQTg1N0M3VkdfQzRRZ1hxYlpVSWNlZTlZckZjdEk3ZHpkOTBkSDZtLTF3MXczOERTNlFF0gGLAUFVX3lxTE5YUEtNMm56TzZQeEdLLUpubGhkUml1MkNmbWNkcVgyRERmamRhZTdHUkVucFpaaGw3T3NVNUpMbFZRR2RZaDhqQzZ5dGprMzIxN2ROd2RkckpxQkh6LXVlMWFsVWJublc3YUxBcWlxSjBhZXN1ZmxnclBrYTYyMEFQdDFhY2ZUenh4d00?oc=5) · KBTX News 3
- 2026-02-06 [Annual Kid Fish at Fort Boggy State Park - Freestone County Times](https://news.google.com/rss/articles/CBMihwFBVV95cUxPR2lHakUtMWp3emtoMnhzcjNnSjBjczNtb2VhYVVYOHdmNHFmc0pIRDhZNWR6UGx6X2h0Zzc4N2l0d2FiT0hOeE9CcE9mUnhKMmllUk1YamtSeXRnRDRxR1RISHJhbTdobXU0QUhFQ1FJZ3BCendpc19MNzlrREs2STFwY1ZsbGs?oc=5) · Freestone County Times
- 2021-03-31 [Taylor Barrett - Madisonville Meteor](https://news.google.com/rss/articles/CBMibkFVX3lxTE9YZVE3MmNsQ1FyaE5zSTNMQzgwa2RtdVFaaHVIOHEzVnU2Y0pHOTk4UG8xUnlsNlo0RUxDakh2RHJTMUlpcTNJdklyOTZncHNyclRibG5FdVBfOGtTdFBrc2ZSbGNzNTZlMEVhR09B?oc=5) · Madisonville Meteor
- 1994-08-27 [Houston gang linked to bank heist - upi.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPdnN6N1ZSeVBuckVoNnh1YU5SdkdWa1hJNzNKV1FzbEcxZEtld3UzQjBoR1BtMlp6WHZ1VUdqWHNEbVFSU3lfTDN1aTVEcnFNTlVjOVJTcUk1eFdYTk5LTDZienY3Ymg1R0JMR0VXblRJRG1VWFNUVXRDd0tYZkFWTUVuQTVxNGs1NmdhSzhOQ0VBZ9IBlwFBVV95cUxNRlo5MEVmbjQ5U0hsZVlCNkw5ZVdfaThyTTVWclRwVWJFRU1DOFlRdDR3TFRyWGZrVmNCNXJ1ZFg3VUMwRFd0ODZXbVBKODFuTFRQdjBRLWdQSzhySFhyMUxNd1YxcXJFMzVsczRVbVN2TE04aXE2VDlORi0tTTBmV19OeDhaa3JITzhuVUFWaWd4VHR5VXhj?oc=5) · upi.com
- 2022-10-26 [Decades of ‘rock solid’ service at Normangee State Bank - KBTX News 3](https://news.google.com/rss/articles/CBMihwFBVV95cUxOZ0drdk9rLUNZQ0VKYzdCNnN1NDRYMHAtZm9qTGI2ci1oS3ZEN3pUeWN1SW1LRnIzRmVuNEV4UWlJdVpPWks2UFZWb3ZxMnhvc0kyeVR6Q2c5Qk1sX2VCb0dXaHNoc1FpRkpkXzVzWGZDVy0yQ0ZSSWJXSUxZOHlPTGwwV3R4WGvSAZsBQVVfeXFMTk0yMUR3TGE3QktFVVp2QVByS3JiMEdEWW84ekptMjNFTUNDMXZMOXZmRmM5dlZFamZxenUxSnRRMEhEbW9wdGFUSjZKdDR4VW8tN3pXeDZKbnZmTEFyWHdXRDVHb1dkYTcwSGM3X3N3QkN0ZG53M1hLNHFINGtmZ3Q5UlJ0dUZGNnlUbUtKTjFJYmNVeEZwN1ZkZmc?oc=5) · KBTX News 3
- 2021-09-24 [Sharon Pennell Obituary Sep 24, 2021 - Memorial Oaks Chapel](https://news.google.com/rss/articles/CBMibEFVX3lxTE85ZDZlX1RQZVRMbmJJR1lrWDYza2laeUFlZUE5bzAxY0s4Z0pxNXNsTk4xM1RLUXpidkVQOEVhZW03aEVLTkJyUTU4UF9YdXBJTk5JMTlQN1VNSHZTNUozaUxCVmpQRFlfdVN0Zw?oc=5) · Memorial Oaks Chapel
- 2020-06-27 [Michael Sikorski Obituary (2020) - Madisonville, TX - The Bryan-College Station Eagle - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNX1ZJblYwbTk2R05RX1hIRVhDNnVPNHA5UmpFeURYN09KQ3pCNmVqd0pJZVlKUlc1M0VldEJVOVBFVUFwUUJQSGtlUXFSS3FzVTBtbXRTZF9pX2p6OUtkLXg1SG9QU0xuOE5qay1ETDlsRWdsTjFIdC1oSUU4OUx5X0NKNUxGcnZEYzNJNzRqaGJVZw?oc=5) · legacy.com
- 2023-01-18 [Apply for your first home loan with Normangee State Bank - KBTX News 3](https://news.google.com/rss/articles/CBMijgFBVV95cUxOczNqNDUtQ1dxekI1UW5vUEdJa1oxRm1mWnU1V0Y5OHdNUnFQVk1NalhPczlTMWR0Tzl6NjJBVk9id3dXVEF0cGFjZ0V2OVN6VnhZYmszM3hCbWdocFIzWk5DT3UwN042X3d4VFdXUVhPSXF3T3gwNjR3QVpuLTJxMHl5emtvZ2VEMWlwT1VR?oc=5) · KBTX News 3

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3368 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/40.json (key "3368", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide