BlastPoint's Banking Scorecard
The Moody National Bank
Community
Specialty: Commercial
TX
FDIC cert 3210
Galveston, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
The Moody National Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 14.38% above tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 1% in Community
- - Deposit Outflow: Bottom 3% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
-6.3% YoY
-2.8% QoQ
|
+$176.0M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$1.1B
-10.6% YoY
-5.1% QoQ
|
+$95.9M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$1.3B
-6.8% YoY
-3.6% QoQ
|
+$181.3M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
1.22%
+205.5% YoY
-5.5% QoQ
|
+0.05% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
57% |
| Net Interest Margin ? |
3.05%
+15.5% YoY
+2.4% QoQ
|
-0.61% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
20% |
| Efficiency Ratio ? |
62.75%
-53.3% YoY
+2.1% QoQ
|
+0.11% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
48% |
| Delinquency Rate ? |
1.29%
-6.0% YoY
+13.7% QoQ
|
+0.66% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
79.60%
-4.1% YoY
-1.6% QoQ
|
-3.46% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
35.43%
-6.4% YoY
+6.2% QoQ
|
+14.38% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
1.17%
+18.4% YoY
+6.6% QoQ
|
+0.67% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
1.12%
+34.4% YoY
+15.6% QoQ
|
+0.38% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Community
Why this stands out
Current:
35.43%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (2)
Capital Thin
risk
#5 of 432 · Bottom 1% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
Deposit Outflow
decline
#8 of 248 · Bottom 3% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 35.43% · Tier avg: 21.05%
89
89th pctile
Non-Interest Income / Assets
Current: 1.12% · Tier avg: 0.74%
73
73th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
71
71th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
70
70th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
63
63th pctile
Loan-to-Deposit Ratio
Current: 79.60% · Tier avg: 83.06%
57
57th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.16%
48
48th pctile
Efficiency Ratio
Current: 62.75% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
20
20th pctile
Net Interest Margin
Current: 3.05% · Tier avg: 3.66%
19
19th pctile
Delinquency Rate
Current: 1.29% · Tier avg: 0.63%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.17% · Tier avg: 0.50%
Top Weaknesses
16
16th pctile
Nonperforming Asset Ratio
Current: 1.17% · Tier avg: 0.50%
19
19th pctile
Delinquency Rate
Current: 1.29% · Tier avg: 0.63%
20
20th pctile
Net Interest Margin
Current: 3.05% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
48
48th pctile
Efficiency Ratio
Current: 62.75% · Tier avg: 62.63%
57
57th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.16%
63
63th pctile
Loan-to-Deposit Ratio
Current: 79.60% · Tier avg: 83.06%
70
70th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
71
71th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
73
73th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
89
89th pctile
Non-Interest Income / Assets
Current: 1.12% · Tier avg: 0.74%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 35.43% · Tier avg: 21.05%