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First National Bank of Moody, The

Moody, TX · Cert 3351 · Reynolds Teague Thurman Finl

National charter · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

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.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

77

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

21

Q2 2024Q2 2026peer median (50)

Liquidity

26

Q2 2024Q2 2026peer median

Efficiency

19

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Moody, The

Moody, TX · Cert 3351 · Reynolds Teague Thurman Finl

National charter · OCC · 2 branches

Q2 2026

$54.2MAssets
$16.9MLoans
$42.4MDeposits
$9.4MEquity
Loan mix
87%RE $12.8M4%C&I $0.5M10%Consumer $1.4MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $33.0M22%Noninterest $9.4MQ2 2025Q2 2026

NIM

5.20%Q2 ’244.62%Q2 ’254.21%Q2 ’26+0%-5%

Non-interest income vs. expense

2.91%Q2 ’243.25%Q2 ’253.17%Q2 ’26+13%-7%

Market Position · Waco, TX · 2026 SOD (annual) · 0.4% share · #24 of 28 inst. · $0.0B of $8.9B

0.5% McLennan
0.1% Bell

Executive Summary

  • Earnings: ROA of 0.76%, up 3 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.06%.
  • Capital: tier 1 leverage ratio of 18.31%, up 1 bps from a year ago.
  • Funding: loans stand at 39.72% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.76%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.29%-17 bps YoY

Efficiency Ratio (YTD, annualized)

77.02%-37 bps YoY

Tier 1 Leverage Ratio

18.31%+1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.83%0.70%0.20%0.76%+3 bps
Return on Equity4.52%5.00%4.18%1.15%4.41%-11 bps
Net Interest Margin3.46%3.51%3.38%2.57%3.29%-17 bps
Efficiency Ratio77.39%74.77%78.60%92.74%77.02%-37 bps
Non-Interest Burden2.52%2.43%2.49%2.33%2.35%-17 bps
Growth
Asset Growth (YoY)2.16%-0.93%-5.10%-0.52%-0.03%-219 bps
Loan Growth (YoY)0.16%-8.11%-2.46%-3.00%-11.36%-1,152 bps
Deposit Growth (YoY)2.37%-1.52%-7.58%-1.18%-1.06%-342 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.47%5.78%0.00%0 bps
Net Charge-Offs / Loans0.11%0.11%0.39%-0.04%-0.06%-16 bps
Allowance / Loans1.46%1.57%1.23%1.22%1.33%-13 bps
Allowance Coverage of NPLsn/an/a2.6x0.2xn/an/a
Capital
Tier 1 Leverage Ratio18.30%18.99%18.57%17.88%18.31%+1 bps
Total Risk-Based Capital18.30%18.99%18.57%17.88%18.31%+1 bps
Equity / Assets16.56%17.82%17.44%17.22%17.27%+71 bps
Liquidity & Funding
Loans / Deposits44.34%42.72%41.71%43.67%39.72%-461 bps
Liquid Assets / Assets20.69%20.70%21.68%23.37%27.41%+672 bps
CRE / Total Capitaln/a38.50%47.11%46.72%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First National Bank of Moody, The

Moody, TX · Cert 3351 · Peer group: banks under $1B in assets in TX (n=208-211) · Reynolds Teague Thurman Finl

National charter · OCC · 2 branches

Q2 2026

$54.2MAssets
$16.9MLoans
$42.4MDeposits
$9.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
  • Widest gap: return on equity trails 86% of banks under $1B in assets in TX (rank 182 of 211).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.76%

Rank 165 of 211

Net Interest Margin

3.29%

Rank 155 of 211

Efficiency Ratio

77.02%

Rank 172 of 211

Equity / Assets

17.27%

Rank 19 of 211

Non-interest income vs. expense

$0.5M$1.8MINCOMEEXPENSE
Unfavorable gap of $1.3M · efficiency ratio beats 19% of banks under $1B in assets in TX
Bank 77.02%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.76%0.87%1.20%1.65%Beats 22%165 / 211
Return on Equity4.40%7.52%11.67%14.58%Beats 14%182 / 211
Net Interest Margin3.29%3.28%3.82%4.31%Beats 27%155 / 211
Efficiency Ratio77.02%53.01%64.18%73.65%Beats 19%172 / 211
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.30%1.10%Beats 100%44 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%43 / 208
Capital
Tier 1 Capital Ratio18.31%11.72%14.45%19.57%Beats 73%58 / 211
Total Risk-Based Capital Ratio18.31%11.94%14.78%20.30%Beats 68%68 / 211
Equity / Assets17.27%9.41%11.06%12.94%Beats 91%19 / 211
Liquidity & Funding
Loans / Deposits39.72%45.39%66.56%82.03%17th pctl172 / 208
Loans / Assets31.10%39.13%56.90%70.46%14th pctl182 / 211
Brokered Deposits / Depositsn/aNot reported for this institution