Moody National Bank: 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.
The standout move of Q2 2026 was in Brokered deposits to total deposits: 1.52 percentage points higher than in Q1 2026, at 1.52%. Moody National Bank ranks 235th of 345 Texas banks on return on assets, in the lower half at 1.14% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Moody National Bank sits 0.13 points lower, at 1.14% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.87% |
| Equity capital to assets | 14.36% |
| Tangible equity to tangible assets | 14.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.81% |
| Non-performing assets ratio | 2.97% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 19.22% |
| Allowance for credit losses to loans | 1.49% |
| Reserve coverage of non-performing loans | 39.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.14% |
| Return on equity | 8.09% |
| Net interest margin | 3.53% |
| Efficiency ratio | 63.25% |
| Yield on earning assets | 5.45% |
| Cost of funds | 2.05% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.44% |
| Core deposits to total deposits | 87.53% |
| Brokered deposits to total deposits | 1.52% |
| Deposits to assets | 85.17% |
| Securities to assets | 20.13% |
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 | 13.43% | 0.94% | 2.75% | 2.76% | 0.00% |
| Q4 2023 | 13.56% | 0.48% | 2.14% | 2.59% | -0.01% |
| Q1 2024 | 13.99% | 0.67% | 2.51% | 2.58% | 0.04% |
| Q2 2024 | 14.04% | 0.63% | 2.70% | 2.48% | -0.00% |
| Q3 2024 | 13.88% | 0.44% | 2.49% | 3.24% | -0.01% |
| Q4 2024 | 12.58% | -6.22% | 2.62% | 2.02% | -0.03% |
| Q1 2025 | 13.02% | 0.82% | 2.88% | 2.81% | 0.01% |
| Q2 2025 | 13.62% | 1.09% | 3.05% | 1.35% | 0.01% |
| Q3 2025 | 14.06% | 1.85% | 3.00% | 1.78% | 0.00% |
| Q4 2025 | 14.45% | 0.95% | 3.17% | 2.20% | 0.13% |
| Q1 2026 | 15.53% | 0.75% | 3.32% | 3.94% | 0.15% |
| Q2 2026 | 15.87% | 1.14% | 3.53% | 3.81% | 0.05% |
Moody National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Moody National Bank, 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 Moody National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3210) · FFIEC NIC profile (RSSD 253356)