The First National Bank of Moody: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.95 percentage points lower than in Q1 2026, at 39.72%. Within Texas, The First National Bank of Moody is 303rd of 346 on loan-to-deposit ratio, 39.72% as of Q2 2026, below the middle of the field. The First National Bank of Moody reported 39.72% on loan-to-deposit ratio for Q2 2026, 27.90 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $16.9M |
| Net loans and leases | $16.6M |
| Loans held for sale | $0 |
| Loans to total assets | 31.10% |
| Loan-to-deposit ratio | 39.72% |
| Net loans to equity capital | 1.78% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.88% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 2.69% |
| Consumer | 8.53% |
| Credit cards | 0.00% |
| Farm | 0.28% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 6.87% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 29.73% |
| Construction concentration (Tier 1 capital + allowance) | 14.74% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 10.02% |
| Interest income on loans | $447K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $21.8M | $46.0M | 11.23% | 3.29% | 8.25% |
| Q4 2023 | $19.8M | $45.2M | 11.22% | 5.74% | 9.34% |
| Q1 2024 | $19.4M | $56.2M | 11.05% | 5.92% | 8.98% |
| Q2 2024 | $19.0M | $41.9M | 9.76% | 6.14% | 9.67% |
| Q3 2024 | $19.0M | $41.5M | 9.36% | 6.71% | 9.76% |
| Q4 2024 | $18.2M | $46.0M | 10.69% | 7.03% | 9.54% |
| Q1 2025 | $18.7M | $42.1M | 9.39% | 6.41% | 9.21% |
| Q2 2025 | $19.0M | $42.9M | 8.88% | 6.11% | 9.30% |
| Q3 2025 | $17.5M | $40.9M | 8.75% | 6.64% | 9.56% |
| Q4 2025 | $17.7M | $42.5M | 13.46% | 2.99% | 8.34% |
| Q1 2026 | $18.2M | $41.6M | 17.97% | 2.91% | 7.96% |
| Q2 2026 | $16.9M | $42.4M | 17.88% | 2.69% | 8.53% |
The First National Bank of Moody loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Moody, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The First National Bank of Moody profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3351) · FFIEC NIC profile (RSSD 108269)