BlastPoint's Banking Scorecard

The First National Bank of Moody

under $100M Specialty: Other TX FDIC cert 3351

Designations: ✓ Community bank

Moody, TX

2 branches across TX

541 banks in the under $100M peer group nationally 38 in TX

The First National Bank of Moody faces 4 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Delinquency Rate 4.48% above tier average
- ROA 0.58% below tier average
- Net Interest Margin 0.74% below tier average
- Efficiency Ratio 4.39% above tier average

Get updates when The First National Bank of Moody releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$53.1M -0.5% YoY -2.4% QoQ	-$9.1M	$62.2M -0.6% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	34%
Total Loans ?	$17.9M -2.7% YoY +2.4% QoQ	-$16.3M	$34.2M -1.4% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	24%
Total Deposits ?	$41.6M -1.2% YoY -2.3% QoQ	-$10.2M	$51.7M -0.7% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	33%
Return on Assets ?	0.25% -73.9% YoY -71.6% QoQ	-0.58%	0.84% -2.3% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	21%
Net Interest Margin ?	3.12% -19.1% YoY -21.6% QoQ	-0.74%	3.86% +2.8% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	19%
Efficiency Ratio ?	92.74% +21.8% YoY +18.0% QoQ	+4.39%	88.34% +0.3% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	18%
Delinquency Rate ?	5.85%	+4.48%	1.37% +33.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Bottom 4.6% in tier
Loan-to-Deposit Ratio ?	43.14% -1.5% YoY +4.7% QoQ	-21.08%	64.22% -0.7% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	77%
Non-Interest-Bearing Deposit Share ?	23.65% +2.3% YoY +6.7% QoQ	-0.06%	23.71% +0.3% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	51%
Nonperforming Asset Ratio ?	1.98%	+1.19%	0.79% +28.2% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Bottom 11.5% in tier
Tier 1 Capital Ratio ?	17.88% -3.3% YoY -3.8% QoQ	-8.81%	26.68% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	61%
Non-Interest Income / Assets ?	0.21% +12.7% YoY -72.5% QoQ	-0.46%	0.67% +1.9% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 11.3% in tier

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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 (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (2 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.21%

Peer Median: 0.67%

#62 of 541 Top 11.3% in under $100M

125

Loan-to-Deposit Ratio

liquidity

Value: 43.14%

Peer Median: 64.22%

#125 of 541 Top 22.9% in under $100M

Top Weaknesses (6 metrics)

498

Delinquency Rate

credit_quality

Value: 5.85%

Peer Median: 1.37%

#498 of 521 Bottom 4.6% in under $100M

480

Nonperforming Asset Ratio

credit_quality

Value: 1.98%

Peer Median: 0.79%

#480 of 541 Bottom 11.5% in under $100M

447

Efficiency Ratio

profitability

Value: 92.74%

Peer Median: 88.34%

#447 of 541 Bottom 17.6% in under $100M

438

Net Interest Margin

profitability

Value: 3.12%

Peer Median: 3.86%

#438 of 541 Bottom 19.2% in under $100M

426

Return on Assets

profitability

Value: 0.25%

Peer Median: 0.84%

#426 of 541 Bottom 21.4% in under $100M

412

Total Loans

size

Value: $17.93M

Peer Median: $34.25M

#412 of 541 Bottom 24.0% in under $100M