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The First National Bank Of Moody
Moody, TX · FDIC Certificate #3351 · Chartered 01/0
Total assets
$54.18M
Total deposits
$42.42M
Total equity
$9.36M
Net loans
$16.63M
Branches (offices)
2
Net income (YTD)
$262.00K
Rank: #4,015 of 4,213 U.S. banks by assets · #337 of 346 in Texas. Assets changed -0.0% and deposits -1.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.97% |
| Return on equity | 5.62% |
| Net interest margin (YTD) | 3.97% |
| Equity to assets | 17.27% |
| Tier 1 leverage ratio | 18.31% |
| Uninsured deposits (share of deposits) | 14.3% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.06% |
| Loans to deposits | 39.2% |
| Real estate loans (share of loans) | 73.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $12.22M | 73.5% | |
| Commercial & industrial | $453.00K | 2.7% | |
| Consumer / individual | $1.44M | 8.6% | |
| Construction & development | $1.53M | 9.2% | |
| Agricultural | $1.58M | 9.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $57.34M | $45.90M | $66.00K | $9.25M |
| Jun 2023 | $55.94M | $45.56M | $244.00K | $8.13M |
| Jun 2024 | $53.05M | $41.88M | $338.00K | $8.87M |
| Jun 2025 | $54.20M | $42.88M | $258.00K | $8.97M |
| Jun 2026 | $54.18M | $42.42M | $262.00K | $9.36M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $42.42M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $42.42M.
Similar-sized banks
Bank Of Greeley ($54.41M) · Tarboro Savings Bank, SSB ($54.06M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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