The First National Bank of Moody
Also written as FNB of Moody
BankRegReports is independent of The First National Bank of Moody and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Moody is an FDIC-insured commercial bank headquartered in Moody, TX, established in 1893 (FDIC certificate 3351), and it is supervised by the OCC. At Q2 2026 it reported total assets of $54.2M, little changed from Q2 2025, the 337th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 18.31% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3351
- Headquarters
- Moody, TX
- Established
- 1893
- Total assets, Q2 2026
- $54.2M
- Assets vs Q2 2025
- 0.0%
- Tier 1 leverage ratio, Q2 2026
- 18.31%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 111907348
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Moody Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- REYNOLDS, TEAGUE, THURMAN FINANCIAL CORP.
- Asset rank in state
- 337th of 346 in Texas
The First National Bank of Moody, based in Moody, Texas, reported $54 million in assets at June 30, 2026. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 533 banks with less than $100 million in assets (median 1.9%). It also shrank its loan book 11.4% over the year, lower than about 9 in 10 banks its size (median 2.6%).
Earnings jumped: net income for the quarter was $228,000, 84% above the same quarter a year earlier. Over the same year, loans shrank 11.4% and deposits shrank 1.1%.
As of June 30, 2026, The First National Bank of Moody reported a return on assets of 1.65%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, The First National Bank of Moody is the 337th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.0% to $54.2M, loans fell 7.2% and deposits rose 2.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 45.3% of total loans, ahead of agricultural production loans at 9.4%. Its 2 offices in the FDIC Summary of Deposits are in Moody, TX and Troy, TX; its Moody office books 93% of its branch deposits. On its Q2 2026 call report, The First National Bank of Moody meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 101 7th St, Moody, TX 76557
- County
- Mclennan
- Metro Area
- Waco, 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
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1893
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $42.4M
- Allowance for credit losses
- $224K
- Net charge-offs (YTD)
- -$5K
- Average total assets
- $55.4M
- Average total loans
- $18.0M
- Average interest-bearing deposits
- $32.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3351
- Fed RSSD
- 108269
- Website
- WWW.FNBTX.BANK →
- Parent Holding Company
- REYNOLDS, TEAGUE, THURMAN FINANCIAL CORP. (RSSD 3147353)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The First National Bank of Moody reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The First National Bank of Moody's total assets ran between $52.7M (Q3 2025) and $67.0M (Q1 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$54.2M total assets against $54.2M; $44.8M total liabilities against $45.2M.
$16.6M net loans and leases against $18.7M; $42.4M total deposits against $42.9M.
$15.0M securities against $16.5M; $16.9M cash and balances due against $13.4M.
$675K total interest income against $630K; $120K total interest expense against $150K.
$555K net interest income against $480K.
$117K total noninterest income against $100K; $444K total noninterest expense against $456K.
$0 provision for credit losses against $0.
$228K net income against $124K.
1.65% return on assets against 0.91%; 4.93% net interest margin against 4.27%.
18.31% tier 1 leverage ratio against 18.30%.
Inside the full The First National Bank of Moody terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Moody rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.25% (Q1 2026) to 1.65% (Q2 2026) and its net interest margin ran from 3.16% (Q1 2026) to 4.93% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.31% | 1.65% | 0.00% | 0.00% | 4.93% |
| Q1 2026 | 17.88% | 0.25% | 5.78% | 11.20% | 3.16% |
| Q4 2025 | 18.57% | 0.38% | 0.47% | 0.87% | 3.99% |
| Q3 2025 | 18.99% | 1.31% | 0.00% | 0.00% | 4.29% |
| Q2 2025 | 18.30% | 0.91% | 0.00% | 0.00% | 4.27% |
| Q1 2025 | 18.48% | 0.99% | 0.00% | 0.00% | 3.98% |
| Q4 2024 | 18.34% | 0.49% | 0.00% | 0.00% | 4.36% |
| Q3 2024 | 18.48% | 1.13% | 0.00% | 0.00% | 4.27% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Moody | Moody , TX | 76557 | $39.6M |
| First National Bank Troy Branch | Troy , TX | 76579 | $2.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 422 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows The First National Bank of Moody’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about The First National Bank of Moody
What are The First National Bank of Moody's total assets?
As of the Q2 2026 filing, The First National Bank of Moody reported total assets of $54.2 million in its FFIEC call report.
Where is The First National Bank of Moody headquartered?
It is headquartered in Moody, TX, United States.
When was The First National Bank of Moody founded?
It was established in 1893, per the FDIC institution directory.
Is The First National Bank of Moody FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3351). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Moody?
The First National Bank of Moody's primary federal regulator is the OCC.
How many branches does The First National Bank of Moody operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Moody's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on The First National Bank of Moody.
Get an email when The First National Bank of Moody files its next call report, and benchmark it against any peer you choose.
Unlock The First National Bank of Moody, freeFree account