Moody National Bank
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Data as of · sourced from FFIEC call reports. How we update
Moody National Bank is an FDIC-insured commercial bank headquartered in Galveston, TX, established in 1907 (FDIC certificate 3210), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.54B, down 5.4% from Q2 2025, the 63rd largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.87% 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
- 3210
- Headquarters
- Galveston, TX
- Established
- 1907
- Total assets, Q2 2026
- $1.54B
- Assets vs Q2 2025
- -5.4%
- Tier 1 leverage ratio, Q2 2026
- 15.87%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 113100091
- Latest call report
- Q2 2026, FFIEC 041 · Moody National Bank call report
- Holding company
- MOODY BANK HOLDING COMPANY, INC.
- Asset rank in state
- 63rd of 346 in Texas
Moody National Bank carries far more capital than most banks of its size. Based in Galveston, Texas, it had $1.5 billion in assets at June 30, 2026, down 5.4% from a year earlier. It funds 15.87% of its assets with Tier 1 capital, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). It also shrank its loan book 3.6% over the year, lower than about 9 in 10 banks its size (median 5.9%).
Its $491 million non-owner-occupied commercial real estate book is now fully current, after 2.19% of it was past due or on nonaccrual a year earlier. Its $132 million commercial and industrial book is now fully current, after 1.32% of it was past due or on nonaccrual a year earlier. Funding is the softer spot: it holds about half of its deposits (45%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, Moody National Bank reported a return on assets of 1.14%, a nonperforming-loan ratio of 1.03% and a Texas ratio of 5.98%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Moody National Bank is the 63rd largest of the 346 banks headquartered in Texas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.4% to $1.54B, loans rose 2.3% and deposits rose 2.5%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 43.2% of total loans, followed by owner-occupied commercial real estate loans at 18.7%. Its 14 offices in the FDIC Summary of Deposits are in 12 cities in TX; its Galveston 2 offices book 52% of its branch deposits. Judged on its Q2 2026 call report, Moody National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2302 Post Office St, Galveston, TX 77550
- County
- Galveston
- Metro Area
- Houston-Pasadena-The Woodlands, 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1907
- Former names
- The Moody National Bank (1985); The Moody National Bank of Galveston (1953-1985)
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 189
- Domestic deposits
- $1.31B
- Allowance for credit losses
- $16.9M
- Net charge-offs (YTD)
- $552K
- Average total assets
- $1.56B
- Average total loans
- $1.14B
- Average interest-bearing deposits
- $955.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3210
- Fed RSSD
- 253356
- SEC CIK
- 1190230 → filed by MOODY BANCSHARES, INC.
- Website
- www.moodybank.com →
- Parent Holding Company
- MOODY BANK HOLDING COMPANY, INC. (RSSD 1399813)
- Ultimate Parent
- MOODY BANCSHARES, INC. (RSSD 1107522)
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, Moody National Bank 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, Moody National Bank's total assets ran between $1.51B (Q1 2026) and $1.75B (Q3 2024), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.54B total assets against $1.63B; $1.32B total liabilities against $1.44B.
$1.12B net loans and leases against $1.16B; $1.31B total deposits against $1.41B.
$310.7M securities against $344.0M; $61.6M cash and balances due against $66.5M.
$20.2M total interest income against $21.3M; $7.2M total interest expense against $9.5M.
$13.0M net interest income against $11.8M.
$2.7M total noninterest income against $3.8M; $10.1M total noninterest expense against $10.7M.
$0 provision for credit losses against $75K.
$4.4M net income against $4.6M.
1.14% return on assets against 1.09%; 3.53% net interest margin against 3.05%.
15.87% tier 1 leverage ratio against 13.62%.
Inside the full Moody National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Moody National Bank rankings
Its closest position to the top of a national ranking is 723 of 4,196, for total assets; its furthest is 2,183 of 3,611, for ROA.
Metric pages for Moody National Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -6.22% (Q4 2024) to 1.85% (Q3 2025) and its net interest margin ran from 2.49% (Q3 2024) to 3.53% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.87% | 1.14% | 1.03% | 5.98% | 3.53% |
| Q1 2026 | 15.53% | 0.75% | 2.08% | 11.27% | 3.32% |
| Q4 2025 | 14.45% | 0.95% | 1.27% | 7.87% | 3.17% |
| Q3 2025 | 14.06% | 1.85% | 1.12% | 7.83% | 3.00% |
| Q2 2025 | 13.62% | 1.09% | 1.07% | 7.79% | 3.05% |
| Q1 2025 | 13.02% | 0.82% | 0.82% | 4.78% | 2.88% |
| Q4 2024 | 12.58% | -6.22% | 1.35% | 8.38% | 2.62% |
| Q3 2024 | 13.88% | 0.44% | 0.86% | 4.45% | 2.49% |
Swipe the table sideways to see every column.
Branch Network
View all 14 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 Moody National Bank | Galveston , TX | 77550 | $600.5M |
| South Shore Banking Center | League City , TX | 77573 | $95.6M |
| West Branch Banking Center | Galveston , TX | 77551 | $82.1M |
| Friendswood Banking Center | Friendswood , TX | 77546 | $70.9M |
| Moody National Bank Victory Lakes Branch | Dickinson , TX | 77539 | $70.3M |
| Moody National Bank - West Houston Branch | Houston , TX | 77079 | $65.9M |
| Texas City Banking Center | Texas City , TX | 77591 | $58.9M |
| Pasadena Banking Center | Pasadena , TX | 77505 | $52.3M |
| Austin Banking Center Branch | Austin , TX | 78757 | $47.2M |
| New Braunfels Plaza Banking Center | New Braunfels , TX | 78130 | $44.9M |
| Lake Jackson Banking Center Branch | Lake Jackson , TX | 77566 | $40.7M |
| Clear Lake Banking Center Branch | Houston , TX | 77058 | $37.1M |
| Sugarland Banking Center | Sugar Land , TX | 77478 | $27.2M |
| Seabrook Branch | Seabrook , TX | 77586 | $21.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 11, 1988 | M&A | Acquired South Shore National Bank merger for the acquired bank | SEC |
| March 11, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 11, 1988 | Structure Change | Acquired South Shore National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 1 against individuals associated with it
- May 21, 1990, OCC: Civil Money Penalty (CMP): Moody National Bank Of Galveston
- Period: Most recent institution action May 21, 1990. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 90 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.1M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Moody National Bank
What are Moody National Bank's total assets?
As of the Q2 2026 filing, Moody National Bank reported total assets of $1.54 billion in its FFIEC call report.
Where is Moody National Bank headquartered?
It is headquartered in Galveston, TX, United States.
When was Moody National Bank founded?
It was established in 1907, per the FDIC institution directory.
Is Moody National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3210). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Moody National Bank?
Moody National Bank's primary federal regulator is the OCC.
How many branches does Moody National Bank operate?
It operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Moody National Bank's Texas Ratio?
Its Texas Ratio is 5.98% 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.
What was Moody National Bank previously called?
The charter now named Moody National Bank has also operated as The Moody National Bank (1985), The Moody National Bank of Galveston (1953-1985), per FDIC structure-change records.
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