The First National Bank of Moody: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Non-performing loans to loans dropped 5.78 percentage points in Q2 2026, from 5.78% to 0.00%. It was the largest change from Q1 2026 among the key lines here. Within Texas, The First National Bank of Moody is 135th of 345 on return on assets, 1.65% as of Q2 2026, above the middle of the field. Against a median of 0.98% for banks in the < $100M asset tier, The First National Bank of Moody reported 1.65% on return on assets in Q2 2026, 0.66 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 18.31% |
| Equity capital to assets | 17.27% |
| Tangible equity to tangible assets | 17.27% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.07% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.33% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.65% |
| Return on equity | 9.86% |
| Net interest margin | 4.93% |
| Efficiency ratio | 65.14% |
| Yield on earning assets | 5.97% |
| Cost of funds | 1.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 39.72% |
| Core deposits to total deposits | 98.41% |
| Brokered deposits to total deposits | 21.13% |
| Deposits to assets | 78.30% |
| Securities to assets | 27.72% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 17.45% | 1.02% | 3.55% | 2.15% | -0.12% |
| Q4 2023 | 17.38% | 5.30% | 4.63% | 0.00% | -0.02% |
| Q1 2024 | 15.47% | 0.66% | 3.17% | 0.00% | 0.00% |
| Q2 2024 | 18.64% | 1.68% | 4.42% | 0.00% | -0.04% |
| Q3 2024 | 18.48% | 1.13% | 4.27% | 0.00% | 0.12% |
| Q4 2024 | 18.34% | 0.49% | 4.36% | 0.00% | -0.02% |
| Q1 2025 | 18.48% | 0.99% | 3.98% | 0.00% | -0.02% |
| Q2 2025 | 18.30% | 0.91% | 4.27% | 0.00% | 0.23% |
| Q3 2025 | 18.99% | 1.31% | 4.29% | 0.00% | 0.09% |
| Q4 2025 | 18.57% | 0.38% | 3.99% | 0.00% | 1.25% |
| Q1 2026 | 17.88% | 0.25% | 3.16% | 5.78% | -0.04% |
| Q2 2026 | 18.31% | 1.65% | 4.93% | 0.00% | -0.07% |
The First National Bank of Moody vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Moody, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)