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 | |