Moody National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Moody National Bank of Galveston, TX against its peer group of 927 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 | 1.14% | 1.46% | -0.32% | 39th below |
| ROAE | 8.09% | 12.69% | -4.60% | 21st bottom |
| Net Interest Margin | 3.53% | 3.85% | -0.32% | 37th below |
| Efficiency Ratio | 63.25% | 57.40% | +5.85% | 35th below |
| PPNR / Avg Assets | 1.45% | 1.88% | -0.43% | 34th below |
| Yield on Earning Assets | 5.45% | 5.72% | -0.27% | 44th below |
| Cost of Funds | 2.05% | 2.02% | +0.03% | 48th below |
| Net Interest Spread | 2.08% | 3.18% | -1.10% | 8th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.81% | 1.00% | +2.81% | 3rd bottom |
| NPA / Total Assets | 2.97% | 0.76% | +2.21% | 3rd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.43% | -0.38% | 43rd below |
| ACL / Total Loans | 1.49% | 1.31% | +0.18% | 86th top |
| ACL / NPLs (Coverage) | 39.00% | 564.68% | -525.68% | 4th bottom |
| Texas Ratio | 19.22% | 7.38% | +11.84% | 7th bottom |
| Provision / NCO | 0.00% | 618.98% | -618.98% | 10th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.87% | 11.43% | +4.44% | 95th top |
| Equity / Assets | 14.36% | 11.33% | +3.03% | 91st top |
| TCE / Tangible Assets | 14.36% | 10.50% | +3.86% | 92nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.44% | 86.95% | -0.51% | 55th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.53% | 85.55% | +1.98% | 44th below |
| Uninsured Deposit Ratio | 45.28% | 33.12% | +12.16% | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.44% | 9.69% | -15.13% | 3rd bottom |
| Loan Growth (Y/Y) | -3.60% | 8.07% | -11.67% | 7th bottom |
| Deposit Growth (Y/Y) | -6.83% | 7.89% | -14.72% | 3rd bottom |
See Moody National Bank's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Moody National Bank, 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 Moody National Bank profile, how to read a UBPR, or how this data updates.