The First National Bank of Moody: how it compares with its peers
Against 41 TX banks with half to twice its assets, The First National Bank of Moody's strongest measure in Q2 2026 is assets per employee ($4.9M vs. a $4.9M peer median). Its weakest relative measure is efficiency ratio (77.02% vs. 73.08%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.97% | 1.01% | Middle third Ahead of 49% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.97% | 3.99% | Middle third Ahead of 49% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 77.02% | 73.08% | Middle third Ahead of 37% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.9M | $4.9M | Middle third Ahead of 51% of peers |
| Loans to deposits Net loans and leases over total deposits. | 39.20% | 44.65% | Context |
What it means for lending operations
Its efficiency ratio of 77.02% is above the 73.08% 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
- The Granger National Bank Granger, TX · $53M
- State National Bank Groom, TX · $55M
- Lovelady State Bank Lovelady, TX · $53M
- Amistad Bank Del Rio, TX · $57M
- The First National Bank in Cooper Cooper, TX · $57M
- Crowell State Bank Crowell, TX · $57M
Questions about The First National Bank of Moody
How big is The First National Bank of Moody?
The First National Bank of Moody, established in 1893, is headquartered in Moody, TX. It reported $54M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The First National Bank of Moody's return on assets?
0.97% annualized in Q2 2026, against a 1.01% median for 41 TX banks with half to twice its assets, ahead of 49% of them.
What is The First National Bank of Moody's efficiency ratio?
77.02% in Q2 2026: it spent about 77 cents in noninterest expense for each dollar of revenue. The peer median is 73.08%, and lower is better.
Is The First National Bank of Moody growing its loans?
Net loans shrank 11.2% over the year to Q2 2026, while deposits shrank 1.1%.
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.