BlastPoint's Banking Scorecard
The Moody National Bank
Designations: ✓ Community bank
Galveston, TX
14 branches across TX
The Moody National Bank has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 13.68% above tier average
Key Concerns
Areas that may need attention
- - Capital Constraint: Bottom 16.2% in tier
- - Deposit Outflow: Bottom 22.3% in tier
- - Delinquency Rate 1.23% above tier average
- - Nonperforming Asset Ratio 1.08% above tier average
- - ROA 0.60% below tier average
- - Net Interest Margin 0.48% below tier average
- - Efficiency Ratio 10.59% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
-8.0% YoY
-3.9% QoQ
|
-$1.3B |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
34% |
| Total Loans ? |
$1.1B
-6.3% YoY
+2.1% QoQ
|
-$871.0M |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
37% |
| Total Deposits ? |
$1.3B
-9.9% YoY
-4.7% QoQ
|
-$1.1B |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
36% |
| Return on Assets ? |
0.77%
-9.6% YoY
-37.1% QoQ
|
-0.60% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
19% |
| Net Interest Margin ? |
3.34%
+15.6% YoY
+9.4% QoQ
|
-0.48% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
31% |
| Efficiency Ratio ? |
71.65%
+6.5% YoY
+14.2% QoQ
|
+10.59% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
20% |
| Delinquency Rate ? |
2.12%
+153.7% YoY
+63.9% QoQ
|
+1.23% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 8.8% in tier |
| Loan-to-Deposit Ratio ? |
85.27%
+4.0% YoY
+7.1% QoQ
|
+1.07% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
34.97%
+2.3% YoY
-1.3% QoQ
|
+13.68% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 9.2% in tier |
| Nonperforming Asset Ratio ? |
1.76%
+195.7% YoY
+50.9% QoQ
|
+1.08% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 8.1% in tier |
| Tier 1 Capital Ratio ? |
15.53%
+19.3% YoY
+7.5% QoQ
|
+0.37% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.11%
-42.4% YoY
-90.4% QoQ
|
-0.15% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
35% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.