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
Unfavorable gap of $1.3M · efficiency ratio beats 19% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.76% | 0.87% | 1.20% | 1.65% | Beats 22% | 165 / 211 | |
| Return on Equity | 4.40% | 7.52% | 11.67% | 14.58% | Beats 14% | 182 / 211 | |
| Net Interest Margin | 3.29% | 3.28% | 3.82% | 4.31% | Beats 27% | 155 / 211 | |
| Efficiency Ratio | 77.02% | 53.01% | 64.18% | 73.65% | Beats 19% | 172 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 18.31% | 11.72% | 14.45% | 19.57% | Beats 73% | 58 / 211 | |
| Total Risk-Based Capital Ratio | 18.31% | 11.94% | 14.78% | 20.30% | Beats 68% | 68 / 211 | |
| Equity / Assets | 17.27% | 9.41% | 11.06% | 12.94% | Beats 91% | 19 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 39.72% | 45.39% | 66.56% | 82.03% | 17th pctl | 172 / 208 | |
| Loans / Assets | 31.10% | 39.13% | 56.90% | 70.46% | 14th pctl | 182 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |