Moody National Bank
Galveston, TX · Cert 3210 · Peer group: banks $1B-$10B in assets (n=322-328) · Moody Bancshares Inc.
National charter · OCC · 14 branches
Q2 2026
$1.5BAssets
$1.1BLoans
$1.3BDeposits
$221.7MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 91% of banks $1B-$10B in assets (rank 29 of 328).
- Widest gap: return on equity trails 87% of banks $1B-$10B in assets (rank 284 of 328).
- Overall: at or above the peer median on 3 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $31.4M · efficiency ratio beats 24% of banks $1B-$10B in assets | 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 |