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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

$54.2MAssets
$16.9MLoans
$42.4MDeposits
$9.4MEquity
Loan mix
87%RE $12.8M4%C&I $0.5M10%Consumer $1.4MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $33.0M22%Noninterest $9.4MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.77%0.76%0.74%0.83%0.70%0.20%0.76%+3 bps
Return on Equity5.87%5.01%4.71%4.52%5.00%4.18%1.15%4.41%-11 bps
Net Interest Margin3.46%3.42%3.41%3.46%3.51%3.38%2.57%3.29%-17 bps
Efficiency Ratio71.25%75.50%76.11%77.39%74.77%78.60%92.74%77.02%-37 bps
Non-Interest Burden2.27%2.41%2.42%2.52%2.43%2.49%2.33%2.35%-17 bps
Growth
Asset Growth (YoY)-5.42%2.36%-20.38%2.16%-0.93%-5.10%-0.52%-0.03%-219 bps
Loan Growth (YoY)-12.86%-7.99%-3.60%0.16%-8.11%-2.46%-3.00%-11.36%-1,152 bps
Deposit Growth (YoY)-9.74%1.87%-25.15%2.37%-1.52%-7.58%-1.18%-1.06%-342 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.47%5.78%0.00%0 bps
Net Charge-Offs / Loans0.03%0.02%-0.02%0.11%0.11%0.39%-0.04%-0.06%-16 bps
Allowance / Loans1.51%1.58%1.54%1.46%1.57%1.23%1.22%1.33%-13 bps
Allowance Coverage of NPLsn/an/an/an/an/a2.6x0.2xn/an/a
Capital
Tier 1 Leverage Ratio18.48%18.34%18.48%18.30%18.99%18.57%17.88%18.31%+1 bps
Total Risk-Based Capital18.48%18.34%18.48%18.30%18.99%18.57%17.88%18.31%+1 bps
Equity / Assets17.50%15.61%16.82%16.56%17.82%17.44%17.22%17.27%+71 bps
Liquidity & Funding
Loans / Deposits45.79%39.52%44.49%44.34%42.72%41.71%43.67%39.72%-461 bps
Liquid Assets / Assets16.15%26.33%19.74%20.69%20.70%21.68%23.37%27.41%+672 bps
CRE / Total Capitaln/an/an/an/a38.50%47.11%46.72%n/an/a