The Moody National Bank: how it compares with its peers
Against 80 TX banks with half to twice its assets, The Moody National Bank's strongest measure in Q2 2026 is assets per employee ($8.2M vs. a $8.6M peer median). Its weakest relative measure is return on assets (0.96% vs. 1.52%).
| Measure | The Moody National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.96% | 1.52% | Bottom third Ahead of 18% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.44% | 4.11% | Bottom third Ahead of 19% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.57% | 58.01% | Bottom third Ahead of 20% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.2M | $8.6M | Middle third Ahead of 38% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.15% | 79.66% | Context |
What it means for lending operations
Its efficiency ratio of 67.57% is above the 58.01% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Central National Bank Waco, TX · $1.47B
- Pegasus Bank Dallas, TX · $1.46B
- Benchmark Bank Plano, TX · $1.65B
- Rio Bank Mcallen, TX · $1.42B
- Central Bank Houston, TX · $1.42B
- Community National Bank & Trust of Texas Corsicana, TX · $1.68B
Questions about The Moody National Bank
How big is The Moody National Bank?
The Moody National Bank, established in 1907, is headquartered in Galveston, TX. It reported $1.54B in total assets in its Q2 2026 FDIC call report and operates 15 offices.
What is The Moody National Bank's return on assets?
0.96% annualized in Q2 2026, against a 1.52% median for 80 TX banks with half to twice its assets, ahead of 18% of them.
What is The Moody National Bank's efficiency ratio?
67.57% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 58.01%, and lower is better.
Is The Moody National Bank growing its loans?
Net loans shrank 3.6% over the year to Q2 2026, while deposits shrank 6.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.