Galveston, TX · Cert 3210 · Moody Bancshares Inc.
National charter · OCC · 14 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
80
Asset Quality
33
Profitability
26
Liquidity
94
Efficiency
24
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Galveston, TX · Cert 3210 · Moody Bancshares Inc.
National charter · OCC · 14 branches
Q2 2026
Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.3% share · #25 of 107 inst. · $1.2B of $360.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | -1.15% | 0.85% | 0.98% | 1.29% | 1.22% | 0.77% | 0.96% | -2 bps | |
| Return on Equity | 4.96% | -9.83% | 7.67% | 8.71% | 11.04% | 10.09% | 5.44% | 6.77% | -194 bps | |
| Net Interest Margin | 2.32% | 2.44% | 2.64% | 2.76% | 2.77% | 2.84% | 3.14% | 3.25% | +49 bps | |
| Efficiency Ratio | 73.38% | 134.35% | 67.30% | 67.83% | 61.47% | 62.75% | 71.65% | 67.57% | -26 bps | |
| Non-Interest Burden | 1.48% | 3.55% | 1.55% | 1.61% | 1.22% | 1.39% | 2.14% | 2.02% | +41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.56% | -1.62% | -2.51% | -2.73% | -7.62% | -6.29% | -7.99% | -5.44% | -272 bps | |
| Loan Growth (YoY) | 2.95% | 4.80% | 0.98% | -1.16% | -3.66% | -10.46% | -6.27% | -3.60% | -243 bps | |
| Deposit Growth (YoY) | 4.13% | -1.17% | -0.20% | 0.90% | -6.30% | -6.75% | -9.91% | -6.83% | -773 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.86% | 1.35% | 0.82% | 1.07% | 1.12% | 1.27% | 2.08% | 1.03% | -4 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.01% | 0.01% | 0.04% | 0.15% | 0.10% | +9 bps | |
| Allowance / Loans | 1.43% | 1.43% | 1.47% | 1.48% | 1.52% | 1.60% | 1.53% | 1.49% | +1 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.1x | 1.8x | 1.4x | 1.4x | 1.3x | 0.7x | 1.4x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.88% | 12.58% | 13.02% | 13.62% | 14.06% | 14.45% | 15.53% | 15.87% | +225 bps | |
| Total Risk-Based Capital | 13.88% | 12.58% | 13.02% | 13.62% | 14.06% | 14.45% | 15.53% | 15.87% | +225 bps | |
| Equity / Assets | 12.26% | 10.71% | 11.39% | 11.69% | 12.88% | 13.69% | 14.47% | 14.36% | +267 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.88% | 84.25% | 83.23% | 83.54% | 82.12% | 80.90% | 86.60% | 86.44% | +290 bps | |
| Liquid Assets / Assets | 5.32% | 0.49% | 1.78% | 2.28% | 4.69% | 5.85% | 1.74% | 2.99% | +71 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 389% | 356% | 361% | n/a | n/a | |
Galveston, TX · Cert 3210 · Peer group: banks $1B-$10B in assets (n=322-328) · Moody Bancshares Inc.
National charter · OCC · 14 branches
Q2 2026
Return on Assets
0.96%
Rank 239 of 328
Net Interest Margin
3.25%
Rank 206 of 328
Efficiency Ratio
67.65%
Rank 249 of 328
Equity / Assets
14.36%
Rank 29 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.96% | 0.91% | 1.22% | 1.52% | Beats 27% | 239 / 328 | ||
| Return on Equity | 6.67% | 8.43% | 11.45% | 14.43% | Beats 13% | 284 / 328 | ||
| Net Interest Margin | 3.25% | 3.03% | 3.45% | 3.83% | Beats 37% | 206 / 328 | ||
| Efficiency Ratio | 67.65% | 51.61% | 59.56% | 67.53% | Beats 24% | 249 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.03% | 0.24% | 0.51% | 1.03% | Beats 25% | 243 / 322 | ||
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.03% | 0.10% | Beats 40% | 194 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.87% | 11.75% | 13.15% | 15.47% | Beats 78% | 72 / 328 | ||
| Total Risk-Based Capital Ratio | 15.87% | 12.63% | 14.15% | 16.46% | Beats 71% | 96 / 328 | ||
| Equity / Assets | 14.36% | 9.15% | 10.33% | 12.01% | Beats 91% | 29 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.44% | 76.63% | 87.92% | 95.36% | 48th pctl | 169 / 323 | ||
| Loans / Assets | 73.62% | 65.18% | 74.15% | 79.98% | 48th pctl | 171 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||