The Moody National Bank is a national bank headquartered in Galveston, Texas, in business for about 119 years. At the end of Q2 2026 it reported $1.5B in total assets and $1.3B in deposits, with 15 offices.
Based on its Q2 2026 filing, The Moody National Bank scores 73/100, which we describe as strong. That is higher than 70% of 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 183rd. Its strongest component is capital cushion (100/100; 15.87%), and its lowest is funding & liquidity (42/100; 85% loans-to-deposits, 45% uninsured).
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
From Q2 2025 to Q2 2026, the score rose 4 points (69 → 73), mostly because the capital cushion component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 70 |
| Q4 2024 | 51 |
| Q1 2025 | 69 |
| Q2 2025 | 69 |
| Q3 2025 | 73 |
| Q4 2025 | 72 |
| Q1 2026 | 62 |
| Q2 2026 | 73 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.04% |
| Q3 2024 | 13.88% |
| Q4 2024 | 12.58% |
| Q1 2025 | 13.02% |
| Q2 2025 | 13.62% |
| Q3 2025 | 14.06% |
| Q4 2025 | 14.45% |
| Q1 2026 | 15.53% |
| Q2 2026 | 15.87% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.88% |
| Q3 2024 | 0.86% |
| Q4 2024 | 1.35% |
| Q1 2025 | 0.82% |
| Q2 2025 | 1.07% |
| Q3 2025 | 1.12% |
| Q4 2025 | 1.27% |
| Q1 2026 | 2.08% |
| Q2 2026 | 1.03% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.67% |
| Q3 2024 | 0.59% |
| Q4 2024 | -1.15% |
| Q1 2025 | 0.85% |
| Q2 2025 | 0.98% |
| Q3 2025 | 1.29% |
| Q4 2025 | 1.22% |
| Q1 2026 | 0.77% |
| Q2 2026 | 0.96% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $1.5B | 15.87% | 1.03% | 0.96% | 85.2% |
| Q1 2026 | 62 | $1.5B | 15.53% | 2.08% | 0.77% | 85.3% |
| Q4 2025 | 72 | $1.6B | 14.45% | 1.27% | 1.22% | 79.6% |
| Q3 2025 | 73 | $1.6B | 14.06% | 1.12% | 1.29% | 80.9% |
| Q2 2025 | 69 | $1.6B | 13.62% | 1.07% | 0.98% | 82.3% |
| Q1 2025 | 69 | $1.6B | 13.02% | 0.82% | 0.85% | 82.0% |
| Q4 2024 | 51 | $1.7B | 12.58% | 1.35% | -1.15% | 83.0% |
| Q3 2024 | 70 | $1.7B | 13.88% | 0.86% | 0.59% | 78.7% |
| Q2 2024 | 70 | $1.7B | 14.04% | 0.88% | 0.67% | 84.1% |
897 peers · $1 billion – $10 billion
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 |
|---|---|---|---|---|---|
| Central National BankBank Waco, TX | 74 out of 100, Strong | $1.5B | 9.9% | 0.11% | vs |
| Pegasus BankBank Dallas, TX | 77 out of 100, Strong | $1.5B | 11.4% | 0.00% | vs |
| Benchmark BankBank Plano, TX | 60 out of 100, Moderate | $1.6B | 8.5% | 0.18% | vs |
| Rio BankBank Mcallen, TX | 66 out of 100, Moderate | $1.4B | 10.0% | 0.53% | vs |
| Central BankBank Houston, TX | 70 out of 100, Strong | $1.4B | 10.1% | 0.54% | vs |
| Community National Bank & Trust of TexasBank Corsicana, TX | 76 out of 100, Strong | $1.7B | 10.6% | 0.09% | vs |
Deposit insurance
Is my money safe at The Moody National Bank?
Yes. The Moody National Bank is an FDIC-insured institution (FDIC certificate #3210). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 45.3% of deposits ($595.3M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.87%, 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%).
15 locations
Branches
The Moody National Bank lists 14 offices in 12 cities. Most locations:
- Galveston, TX (2)
- Houston, TX (2)
- Austin, TX (1)
- Dickinson, TX (1)
- Friendswood, TX (1)
- Lake Jackson, TX (1)
- League City, TX (1)
- New Braunfels, TX (1)
- Pasadena, TX (1)
- Seabrook, TX (1)
- Sugar Land, TX (1)
- Texas City, TX (1)
Identity & history
Profile
- Legal name
- The Moody National Bank
- Former names
- The City National Bank of Galveston; The Moody National Bank of Galveston
- Type
- National bank
- FDIC certificate #
- 3210
- RSSD ID
- 253356
- Primary regulator
- OCC
- Holding company
- Moody Bancshares Inc
- Established
- January 1, 1907
- Headquarters
- 2302 Post Office St, Galveston, TX 77550
- Website
- www.moodybank.com
- Employees
- 189
Quick answers
The Moody National Bank: common questions
Is The Moody National Bank FDIC insured?
Yes. The Moody National Bank is an FDIC-insured institution (FDIC certificate #3210). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Moody National Bank's TellerScore?
73 out of 100 (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 Moody National Bank ever failed?
There is no failure record for FDIC certificate #3210 in the FDIC failed bank list.
How many branches does The Moody National Bank have?
15 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Galveston
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Synergy Federal Credit UnionCredit union San Antonio, TX | 86 out of 100, Very strong | $334.2M | 15.8% | 0.29% | vs |
| Gulf Coast Educators Federal Credit UnionCredit union Pasadena, TX | 77 out of 100, Strong | $1.3B | 15.7% | 0.90% | vs |
| Capital BankBank Jacinto City, TX | 77 out of 100, Strong | $689.7M | 10.8% | 0.01% | vs |
| Bank OZKBank Little Rock, AR | 76 out of 100, Strong | $41.7B | 14.0% | 0.92% | vs |
| Texas Gulf Bank, National AssociationBank Houston, TX | 76 out of 100, Strong | $726.9M | 12.0% | 0.00% | vs |
| Texas First BankBank Texas City, TX | 75 out of 100, Strong | $2.3B | 10.0% | 0.17% | vs |