Side-by-side · Q2 2026 data
The Moody National Bank vs Capital Bank
Metric by metric
| Measure | The Moody National Bank | Capital Bank |
|---|---|---|
| TellerScore | 73 | 77 (stronger) |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 66 | 100 (stronger) |
| Earnings | 58 | 88 (stronger) |
| Funding & liquidity | 42 | 47 (stronger) |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 70th | 68th |
| Total assets | $1.5B | $689.7M |
| Deposits / shares | $1.3B | $608.7M |
| Capital ratio | 15.87% (stronger) | 10.81% |
| Problem loans | 1.03% | 0.01% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.11% |
| Return on assets | 0.96% | 1.71% (stronger) |
| Loans ÷ deposits | 85.2% (stronger) | 96.1% |
| Uninsured deposits | 45.3% | 31.0% (stronger) |
| Offices | 14 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.6% |
Capital Bank has the higher TellerScore (77 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The Moody National Bank leads on 3 and Capital Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.