BlastPoint's Banking Scorecard

The Moody National Bank

$1B-$10B Specialty: Commercial TX FDIC cert 3210

Designations: ✓ Community bank

Galveston, TX

14 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
Deposits -6.8% year over year ($1.3B on the books).
Delinquency rate 1.05%.
Return on assets 0.96%.
Efficiency ratio 67.57% vs a 59.73% peer average.
Loan-to-deposit ratio 85.15% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX

View $1B-$10B leaderboard (TX) →

The Moody National Bank has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Non-Interest-Bearing Deposit Share 12.62% above tier average

Key Concerns

Areas that may need attention

- Capital Constraint: Bottom 0.1% in tier
- Deposit Outflow: Bottom 2.3% in tier
- ROA 0.43% below tier average
- Net Interest Margin 0.43% below tier average
- Efficiency Ratio 7.85% above tier average
- Delinquency Rate 0.18% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$1.5B -5.4% YoY +2.4% QoQ	-$1.2B	$2.8B -0.6% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	36%
Total Loans ?	$1.1B -3.6% YoY +2.4% QoQ	-$843.6M	$2.0B -0.3% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	39%
Total Deposits ?	$1.3B -6.8% YoY +2.5% QoQ	-$1.0B	$2.3B -0.5% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	37%
Return on Assets ?	0.96% -2.1% YoY +25.4% QoQ	-0.43%	1.39% +17.0% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	27%
Net Interest Margin ?	3.44% +15.9% YoY +2.9% QoQ	-0.43%	3.87% +6.2% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	34%
Efficiency Ratio ?	67.57% -0.4% YoY -5.7% QoQ	+7.85%	59.73% -12.6% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	26%
Delinquency Rate ?	1.05% -3.6% YoY -50.4% QoQ	+0.18%	0.87% +11.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	26%
Loan-to-Deposit Ratio ?	85.15% +3.5% YoY -0.1% QoQ	+0.12%	85.04% -0.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	55%
Non-Interest-Bearing Deposit Share ?	33.89% -10.1% YoY -3.1% QoQ	+12.62%	21.27% -1.5% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 9.8% in tier
Nonperforming Asset Ratio ?	0.92% -7.1% YoY -47.5% QoQ	+0.25%	0.67% +11.7% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	24%
Tier 1 Capital Ratio ?	15.87% +16.5% YoY +2.2% QoQ	+1.03%	14.84% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	80%
Non-Interest Income / Assets ?	0.28% -33.6% YoY +159.1% QoQ	-0.25%	0.53% +2.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	48%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	33.9% -3.8pp YoY -1.1pp QoQ	+12.5pp	21.4%	29.2%	22.2%	90%
Brokered Deposits	1.5% -1.0pp YoY	-7.9pp	9.5%	8.0%	8.5%	23%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	11.8% +0.3pp YoY -0.4pp QoQ	-2.2pp	14.0%	14.8%	12.5%	54%
CRE	80.3% -1.1pp YoY +0.4pp QoQ	+30.3pp	50.0%	48.4%	41.4%	96%
1-4 Family	9.1% +0.7pp YoY +0.1pp QoQ	-17.3pp	26.4%	25.8%	31.3%	14%
Consumer	0.5% +0.1pp YoY -0.1pp QoQ	-4.2pp	4.7%	4.7%	5.0%	32%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	22.7%	19.7%	n/a
Leverage Ratio	15.9% +2.2pp YoY +0.3pp QoQ	+4.6pp	11.3%	12.6%	12.6%	95%
Total Capital Ratio	n/a	n/a	16.7%	23.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	189 +8 (+4.4%) YoY 0 QoQ	-125	313	186	482	37%
Assets per Employee ($)	$8.2M -9.4% YoY +2.4% QoQ	-$2.3M	$10.5M	$10.1M	$8.8M	43%
Branch Count	14 0 YoY 0 QoQ	-6	20	12	18	46%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	1.0% +0.1pp YoY -0.1pp QoQ	+0.2pp	0.8%	1.0%	1.0%	75%
Allowance Coverage	1.44x +4.1% YoY +95.6% QoQ	-17.27x	18.71x	18.82x	20.23x	37%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY -0.1pp QoQ	-0.2pp	0.3%	0.1%	0.2%	67%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	6.8% -1.9pp YoY +1.3pp QoQ	-5.8pp	12.6%	13.2%	11.6%	14%
Cost of Funds (YTD)	2.0% -0.5pp YoY 0.0pp QoQ	0.0pp	1.9%	1.6%	1.7%	53%
Net Income ($, YTD)	$7.4M -8.6% YoY — QoQ	-$11.9M	$19.2M	$15.9M	$40.4M	26%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Constraint

risk

#1 of 32 • Bottom 0.1% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 85.15%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 15.87%

(Tier: 14.84%, National: 17.09%)

better than tier avg

32 of 32 Mid-Market banks match · 143 nationally

→ Stable -5 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#4 of 131 • Bottom 2.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 33.89%

Peer Median: 21.27%

#88 of 885 Top 9.8% in $1B-$10B

181

Tier 1 Capital Ratio

capital

Value: 15.87%

Peer Median: 14.84%

#181 of 885 Top 20.3% in $1B-$10B

Top Weaknesses (1 metrics)

673

Nonperforming Asset Ratio

credit_quality

Value: 0.92%

Peer Median: 0.67%

#673 of 885 Bottom 24.1% in $1B-$10B