Moody National Bank: 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 CRE concentration (Tier 1 capital + allowance): 1.41 percentage points higher than in Q1 2026, at 260.58%. Moody National Bank ranks 78th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 86.44% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Moody National Bank reported 86.44% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.14B |
| Net loans and leases | $1.12B |
| Loans held for sale | $0 |
| Loans to total assets | 73.62% |
| Loan-to-deposit ratio | 86.44% |
| Net loans to equity capital | 5.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 61.70% |
| Multifamily (5+ residential) | 9.22% |
| Commercial and industrial | 11.60% |
| Consumer | 0.50% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 260.58% |
| Construction concentration (Tier 1 capital + allowance) | 34.78% |
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 | 6.31% |
| Interest income on loans | $18.0M |
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 | $1.16B | $1.43B | 57.62% | 9.79% | 0.59% |
| Q4 2023 | $1.16B | $1.46B | 56.51% | 10.49% | 0.57% |
| Q1 2024 | $1.17B | $1.43B | 57.63% | 11.93% | 0.57% |
| Q2 2024 | $1.19B | $1.40B | 58.82% | 12.82% | 0.49% |
| Q3 2024 | $1.19B | $1.49B | 61.03% | 10.68% | 0.48% |
| Q4 2024 | $1.22B | $1.44B | 60.06% | 11.69% | 0.42% |
| Q1 2025 | $1.19B | $1.42B | 63.60% | 10.84% | 0.42% |
| Q2 2025 | $1.18B | $1.41B | 61.07% | 11.32% | 0.43% |
| Q3 2025 | $1.15B | $1.40B | 60.24% | 10.97% | 0.43% |
| Q4 2025 | $1.09B | $1.35B | 57.05% | 12.21% | 0.56% |
| Q1 2026 | $1.11B | $1.28B | 61.17% | 12.00% | 0.55% |
| Q2 2026 | $1.14B | $1.31B | 61.70% | 11.60% | 0.50% |
Moody National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Moody National Bank, 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 Moody National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3210) · FFIEC NIC profile (RSSD 253356)