Headquartered in Moody, Texas, The First National Bank of Moody is a national bank with $54.2M in total assets and $42.4M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1893.
Based on its Q2 2026 filing, The First National Bank of Moody scores 92/100, which we describe as very strong. That is higher than 92% of 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 13th. Its strongest component is capital cushion (100/100; 18.31%), and its lowest is earnings (59/100; 0.97%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (92 → 92).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 93 |
| Q3 2024 | 93 |
| Q4 2024 | 92 |
| Q1 2025 | 92 |
| Q2 2025 | 92 |
| Q3 2025 | 92 |
| Q4 2025 | 87 |
| Q1 2026 | 59 |
| Q2 2026 | 92 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 18.64% |
| Q3 2024 | 18.48% |
| Q4 2024 | 18.34% |
| Q1 2025 | 18.48% |
| Q2 2025 | 18.30% |
| Q3 2025 | 18.99% |
| Q4 2025 | 18.57% |
| Q1 2026 | 17.88% |
| Q2 2026 | 18.31% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.47% |
| Q1 2026 | 5.78% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.15% |
| Q3 2024 | 1.15% |
| Q4 2024 | 0.98% |
| Q1 2025 | 0.97% |
| Q2 2025 | 0.94% |
| Q3 2025 | 1.06% |
| Q4 2025 | 0.89% |
| Q1 2026 | 0.25% |
| Q2 2026 | 0.97% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 92 | $54.2M | 18.31% | 0.00% | 0.97% | 39.2% |
| Q1 2026 | 59 | $53.1M | 17.88% | 5.78% | 0.25% | 43.1% |
| Q4 2025 | 87 | $54.4M | 18.57% | 0.47% | 0.89% | 41.2% |
| Q3 2025 | 92 | $52.7M | 18.99% | 0.00% | 1.06% | 42.1% |
| Q2 2025 | 92 | $54.2M | 18.30% | 0.00% | 0.94% | 43.7% |
| Q1 2025 | 92 | $53.4M | 18.48% | 0.00% | 0.97% | 43.8% |
| Q4 2024 | 92 | $57.3M | 18.34% | 0.00% | 0.98% | 38.9% |
| Q3 2024 | 93 | $53.2M | 18.48% | 0.00% | 1.15% | 45.1% |
| Q2 2024 | 93 | $53.0M | 18.64% | 0.00% | 1.15% | 44.6% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Granger National BankBank Granger, TX | 73 out of 100, Strong | $53.5M | 13.6% | 0.11% | vs |
| State National BankBank Groom, TX | 72 out of 100, Strong | $55.1M | 12.6% | 0.35% | vs |
| Lovelady State BankBank Lovelady, TX | 73 out of 100, Strong | $52.5M | 12.8% | 1.42% | vs |
| Amistad BankBank Del Rio, TX | 86 out of 100, Very strong | $57.0M | 15.3% | 0.00% | vs |
| The First National Bank in CooperBank Cooper, TX | 72 out of 100, Strong | $57.3M | 13.1% | 1.44% | vs |
| Crowell State BankBank Crowell, TX | 79 out of 100, Strong | $57.5M | 11.0% | 0.89% | vs |
Deposit insurance
Is my money safe at The First National Bank of Moody?
Yes. The First National Bank of Moody is an FDIC-insured institution (FDIC certificate #3351). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.3% of deposits ($6.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 18.31%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
The First National Bank of Moody lists 2 offices in 2 cities. Most locations:
- Moody, TX (1)
- Troy, TX (1)
Identity & history
Profile
- Legal name
- The First National Bank of Moody
- Type
- National bank
- FDIC certificate #
- 3351
- RSSD ID
- 108269
- Primary regulator
- OCC
- Holding company
- Reynolds Teague Thurman Finl
- Established
- January 1, 1893
- Headquarters
- 101 7th St, Moody, TX 76557
- Website
- www.fnbtx.bank
- Employees
- 11
Quick answers
The First National Bank of Moody: common questions
Is The First National Bank of Moody FDIC insured?
Yes. The First National Bank of Moody is an FDIC-insured institution (FDIC certificate #3351). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Moody's TellerScore?
92 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The First National Bank of Moody ever failed?
There is no failure record for FDIC certificate #3351 in the FDIC failed bank list.
How many branches does The First National Bank of Moody have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Moody
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Educators Credit UnionCredit union Waco, TX | 99 out of 100, Very strong | $609.5M | 20.3% | 0.17% | vs |
| Genco Federal Credit UnionCredit union Waco, TX | 96 out of 100, Very strong | $494.7M | 14.3% | 0.19% | vs |
| Matagorda County Credit UnionCredit union Bay City, TX | 94 out of 100, Very strong | $36.2M | 17.4% | 0.31% | vs |
| Acadiana Medical Federal Credit UnionCredit union Lafayette, LA | 92 out of 100, Very strong | $13.5M | 25.5% | 0.00% | vs |
| Pointwest BankBank West, TX | 90 out of 100, Very strong | $137.3M | 12.5% | 0.00% | vs |
| Community Bank & Trust, Waco, TexasBank Waco, TX | 90 out of 100, Very strong | $649.1M | 15.5% | 0.21% | vs |