Moody National Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Moody National Bank carries far more capital than most banks of its size. Based in Galveston, Texas, it had $1.5 billion in assets at June 30, 2026, down 5.4% from a year earlier. It funds 15.87% of its assets with Tier 1 capital, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). It also shrank its loan book 3.6% over the year, lower than about 9 in 10 banks its size (median 5.9%).
Its $491 million non-owner-occupied commercial real estate book is now fully current, after 2.19% of it was past due or on nonaccrual a year earlier. Its $132 million commercial and industrial book is now fully current, after 1.32% of it was past due or on nonaccrual a year earlier. Funding is the softer spot: it holds about half of its deposits (45%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, Moody National Bank reported a return on assets of 1.14%, a nonperforming-loan ratio of 1.03% and a Texas ratio of 5.98%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 2302 Post Office St, Galveston, TX 77550
- County
- Galveston
- Metro Area
- Houston-Pasadena-The Woodlands, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1907
- Former names
- The Moody National Bank (1985); The Moody National Bank of Galveston (1953-1985)
- Offices
- 15 domestic
- Employees (FTE)
- 189
- Domestic deposits
- $1.31B
- Allowance for credit losses
- $16.9M
- Net charge-offs (YTD)
- $552K
- Average total assets
- $1.56B
- Average total loans
- $1.14B
- Average interest-bearing deposits
- $955.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3210
- Fed RSSD
- 253356
- SEC CIK
- 1190230 → filed by MOODY BANCSHARES, INC.
- Website
- www.moodybank.com →
- Parent Holding Company
- MOODY BANK HOLDING COMPANY, INC. (RSSD 1399813)
- Ultimate Parent
- MOODY BANCSHARES, INC. (RSSD 1107522)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Moody National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Moody National Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Moody National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Moody National Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.87% | 1.14% | 3.81% | 5.98% | 3.53% |
| Q1 2026 | 15.53% | 0.75% | 3.94% | 11.27% | 3.32% |
| Q4 2025 | 14.45% | 0.95% | 2.20% | 7.87% | 3.17% |
| Q3 2025 | 14.06% | 1.85% | 1.78% | 7.83% | 3.00% |
| Q2 2025 | 13.62% | 1.09% | 1.35% | 7.79% | 3.05% |
| Q1 2025 | 13.02% | 0.82% | 2.81% | 4.78% | 2.88% |
| Q4 2024 | 12.58% | -6.22% | 2.02% | 8.38% | 2.62% |
| Q3 2024 | 13.88% | 0.44% | 3.24% | 4.45% | 2.49% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 14 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Moody National Bank | Galveston , TX | 77550 | $600.5M |
| South Shore Banking Center | League City , TX | 77573 | $95.6M |
| West Branch Banking Center | Galveston , TX | 77551 | $82.1M |
| Friendswood Banking Center | Friendswood , TX | 77546 | $70.9M |
| Moody National Bank Victory Lakes Branch | Dickinson , TX | 77539 | $70.3M |
| Moody National Bank - West Houston Branch | Houston , TX | 77079 | $65.9M |
| Texas City Banking Center | Texas City , TX | 77591 | $58.9M |
| Pasadena Banking Center | Pasadena , TX | 77505 | $52.3M |
| Austin Banking Center Branch | Austin , TX | 78757 | $47.2M |
| New Braunfels Plaza Banking Center | New Braunfels , TX | 78130 | $44.9M |
| Lake Jackson Banking Center Branch | Lake Jackson , TX | 77566 | $40.7M |
| Clear Lake Banking Center Branch | Houston , TX | 77058 | $37.1M |
| Sugarland Banking Center | Sugar Land , TX | 77478 | $27.2M |
| Seabrook Branch | Seabrook , TX | 77586 | $21.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 11, 1988 | M&A | Acquired South Shore National Bank merger for the acquired bank | SEC |
| March 11, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 11, 1988 | Structure Change | Acquired South Shore National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
What the public regulatory sources show for Moody National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC); 1 against individuals associated with it
- May 21, 1990, OCC: Civil Money Penalty (CMP): Moody National Bank Of Galveston
- Period: Most recent institution action May 21, 1990. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 90 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.1M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Moody National Bank
What are Moody National Bank's total assets?
As of the Q2 2026 filing, Moody National Bank reported total assets of $1.54 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Moody National Bank headquartered?
Moody National Bank is headquartered in Galveston, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Moody National Bank founded?
Moody National Bank was established in 1907, per the FDIC institution directory.
Is Moody National Bank FDIC-insured?
Yes. Moody National Bank is an FDIC-insured commercial bank (FDIC Certificate #3210). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Moody National Bank?
Moody National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Moody National Bank operate?
Moody National Bank operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Moody National Bank's Texas Ratio?
Moody National Bank's Texas Ratio is 5.98% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Moody National Bank previously called?
The charter now named Moody National Bank has also operated as The Moody National Bank (1985), The Moody National Bank of Galveston (1953-1985), per FDIC structure-change records.
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