MOODY NATIONAL BANK

GALVESTON, TX | Large | Est. Jan. 1, 1907, midnight | FDIC #3210 | RSSD #253356 | OCC
Latest Report: 2025-12-31

MOODY NATIONAL BANK is aln large FDIC-insured commercial bank headquartered in GALVESTON, TX, established in Jan. 1, 1907, midnight. As of 2025-12-31, the bank reported total assets of $1.6B and total deposits of $1.3B. Profitability stands at 0.99% ROA and 7.45% ROE, with a net interest margin of 3.37%. The bank's CET1 capital ratio is 13.68%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.27% and a Texas Ratio of 7.87%. FDIC Certificate #3210.

Assets

$1.6B

Deposits

$1.3B

Loans

$1.1B

Equity

$215M

Profitability

Return on Assets (ROA) 0.99%
Return on Equity (ROE) 7.45%
Net Interest Margin (NIM) 3.37%
Yield on Assets 5.79%
Cost of Funds 2.58%

Asset Quality

NPL Ratio 1.27%
Net Charge-Off Ratio 0.04%
Texas Ratio 7.87%
NPA Ratio 1.17%
ACL / Loans 1.60%

Capital & Liquidity

CET1 Ratio 13.68%
Tier 1 Capital 13.68%
Total Capital Ratio 14.37%
Leverage Ratio 14.45%
Loan-to-Deposit 80.90%

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