The First National Bank of Moody: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First National Bank of Moody of Moody, TX against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.65% | 3.14% | -1.49% | 73rd above |
| ROAE Behind the peer average, ahead of the median peer. | 9.86% | 10.42% | -0.56% | 58th above |
| Net Interest Margin | 4.93% | 3.93% | +1.00% | 86th top |
| Efficiency Ratio | 65.14% | 76.32% | -11.18% | 61st above |
| PPNR / Avg Assets | 1.65% | 1.40% | +0.25% | 67th above |
| Yield on Earning Assets | 5.97% | 5.35% | +0.62% | 75th top |
| Cost of Funds | 1.14% | 1.71% | -0.57% | 71st above |
| Net Interest Spread | 4.49% | 3.31% | +1.18% | 89th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | -0.07% | 0.11% | -0.18% | 92nd top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.33% | 1.49% | -0.16% | 57th above |
| Texas Ratio | 0.00% | 8.26% | -8.26% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 18.31% | 17.60% | +0.71% | 76th top |
| Equity / Assets | 17.27% | 16.42% | +0.85% | 75th top |
| TCE / Tangible Assets | 17.27% | 16.17% | +1.10% | 75th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 39.72% | 72.88% | -33.16% | 84th top |
| Core Deposit Ratio | 98.41% | 88.20% | +10.21% | 90th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.03% | 4.31% | -4.34% | 32nd below |
| Loan Growth (Y/Y) | -11.36% | 6.75% | -18.11% | 8th bottom |
| Deposit Growth (Y/Y) | -1.06% | 3.78% | -4.84% | 28th below |
See The First National Bank of Moody's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Moody, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The First National Bank of Moody profile, how to read a UBPR, or how this data updates.