BlastPoint's Banking Scorecard
The First National Bank of Moody
Micro
Specialty: Other
TX
FDIC cert 3351
Designations: ✓ Community bank
Moody, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The First National Bank of Moody faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 33.34% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$54.4M
-5.1% YoY
+3.3% QoQ
|
-$163.1M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$17.5M
-2.1% YoY
+1.8% QoQ
|
-$121.7M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$42.5M
-7.6% YoY
+4.0% QoQ
|
-$141.1M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
0.89%
-8.9% YoY
-16.0% QoQ
|
-0.19% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
39% |
| Net Interest Margin ? |
3.98%
+3.7% YoY
-0.8% QoQ
|
+0.13% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
58% |
| Efficiency Ratio ? |
78.60%
+4.1% YoY
+5.1% QoQ
|
+10.87% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? | 0.48% | -0.16% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
41.19%
+5.9% YoY
-2.0% QoQ
|
-33.34% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.17%
-14.0% YoY
-7.0% QoQ
|
-0.22% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
52% |
| Nonperforming Asset Ratio ? | 0.15% | -0.30% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.76%
+14.2% YoY
+29.3% QoQ
|
+0.20% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 15% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
41.19%
(Tier avg: 74.53%, National avg: 78.04%)
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
85
85th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.56%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
58
58th pctile
Net Interest Margin
Current: 3.98% · Tier avg: 3.85%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 22.17% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Delinquency Rate
Current: 0.48% · Tier avg: 0.64%
39
39th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.08%
22
22th pctile
Efficiency Ratio
Current: 78.60% · Tier avg: 67.73%
8
8th pctile
Total Assets
Current: $54.4M · Tier avg: $217.5M
8
8th pctile
Total Deposits
Current: $42.5M · Tier avg: $183.7M
7
7th pctile
Loan-to-Deposit Ratio
Current: 41.19% · Tier avg: 74.53%
6
6th pctile
Total Loans
Current: $17.5M · Tier avg: $139.2M
Top Weaknesses
6
6th pctile
Total Loans
Current: $17.5M · Tier avg: $139.2M
7
7th pctile
Loan-to-Deposit Ratio
Current: 41.19% · Tier avg: 74.53%
8
8th pctile
Total Deposits
Current: $42.5M · Tier avg: $183.7M
8
8th pctile
Total Assets
Current: $54.4M · Tier avg: $217.5M
22
22th pctile
Efficiency Ratio
Current: 78.60% · Tier avg: 67.73%
39
39th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.08%
46
46th pctile
Delinquency Rate
Current: 0.48% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 22.17% · Tier avg: 22.39%
58
58th pctile
Net Interest Margin
Current: 3.98% · Tier avg: 3.85%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
85
85th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.56%