Bank Comparison
Moody National Bank vs First Bank Midwest
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Moody National Bank | First Bank Midwest |
|---|---|---|
| CET1 Ratio | — | 13.37% |
| Tier 1 Capital Ratio | — | 13.37% |
| Total Capital Ratio | — | 14.62% |
| Tier 1 Leverage Ratio | 15.53% | 11.10% |
| Equity / Assets | 14.47% | 8.86% |
Profitability
| Metric | Moody National Bank | First Bank Midwest |
|---|---|---|
| Return on Assets (ROA) | 0.75% | 0.76% |
| Return on Equity (ROE) | 5.44% | 8.64% |
| Net Interest Margin (NIM) | 3.32% | 3.05% |
| Yield on Earning Assets | 5.23% | 5.64% |
| Cost of Funds | 2.19% | 2.86% |
Asset quality
| Metric | Moody National Bank | First Bank Midwest |
|---|---|---|
| Texas Ratio | 24.74% | 11.72% |
| Non-Performing Loan Ratio | 3.94% | 1.33% |
| Non-Performing Asset Ratio | 3.12% | 1.05% |
| Net Charge-Off Ratio | 0.15% | 0.13% |
| ACL / Loans | 1.53% | 1.41% |
Balance sheet
| Metric | Moody National Bank | First Bank Midwest |
|---|---|---|
| Total Assets | $1,507M | $1,513M |
| Total Deposits | $1,282M | $1,111M |
| Total Loans | $1,110M | $1,191M |
| Total Equity | $218,129K | $134,075K |
| Net Income (quarter) | $2,942K | $2,917K |
Liquidity & funding
| Metric | Moody National Bank | First Bank Midwest |
|---|---|---|
| Loan-to-Deposit Ratio | 86.60% | 107.14% |
| Core Deposit Ratio | 88.61% | 71.71% |
| Uninsured Deposit Ratio | 45.88% | 22.30% |
Identity
| Metric | Moody National Bank | First Bank Midwest |
|---|---|---|
| Headquarters City | GALVESTON | RICHMOND |
| Headquarters State | TX | IN |
| Asset Tier | 4: $1B-10B | 4: $1B-10B |
| Charter Class | 8899 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 14 | 14 |
| Employees (FTE) | 189 | 173 |
| Established | Jan. 1, 1907, midnight | Jan. 1, 1887, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of March 31, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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