# FIRST NATIONAL BANK OF MOODY
MOODY, TX · FDIC certificate 3351 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $54.2M | |
| Deposits | $42.4M | |
| Loans and leases | $16.9M | |
| Total equity | $9.4M | |
| Loans / deposits | 39.20% (p11 of band) | 73.59% |
| Liquid assets / assets | 58.98% (p87 of band) | |
| Uninsured deposits / deposits | 14.35% (p29 of band) | 19.81% |
| Brokered deposits | 16.55% | |
| Wholesale funding | 16.55% (p92 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 18.31% (p88 of band) | 11.76% |
| Unrealized securities loss / equity | -8.48% (p44 of band) | -6.57% |
| AOCI / equity | -1.04% (p27 of band) | |
| ROA (annualized) | 0.97% (p38 of band) | 1.17% |
| Net interest margin | 3.97% (p52 of band) | 3.93% |
| Efficiency ratio | 77.02% (p73 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | -0.02% (p8 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 72% | |
| Construction % of loans | 16.34% (p48 of band) | |
| Auto loans | $619,000 (3.67% of loans; DQ 5.65%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.1% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  | reserve under noncurrent |
| 2011-09 | 3 | reserve under noncurrent |  |
| 2011-12 | 2 |  | reserve under noncurrent |
| 2012-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 5 |  |  |
| 2012-09 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2012-12 | 5 | capital falling, reserve under noncurrent, uninsured deposits leaving |  |
| 2013-03 | 4 |  | capital falling |
| 2013-06 | 2 |  | reserve under noncurrent, uninsured deposits leaving |
| 2013-09 | 3 | uninsured deposits leaving |  |
| 2013-12 | 3 | reserve under noncurrent | uninsured deposits leaving |
| 2014-03 | 2 |  | reserve under noncurrent |
| 2014-06 | 4 | deposits shrinking, assets shrinking |  |
| 2014-09 | 2 |  | deposits shrinking, assets shrinking |
| 2014-12 | 5 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2015-03 | 4 |  | capital falling |
| 2015-06 | 4 |  |  |
| 2015-09 | 5 | capital falling |  |
| 2015-12 | 5 |  |  |
| 2016-03 | 4 |  | capital falling |
| 2016-06 | 5 | uninsured deposits leaving |  |
| 2016-09 | 4 |  | reserve under noncurrent |
| 2016-12 | 3 | capital falling | noncurrent p90, uninsured deposits leaving |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 4 | capital falling, uninsured deposits leaving |  |
| 2017-12 | 2 |  | capital falling, uninsured deposits leaving |
| 2018-03 | 4 | noncurrent p90, uninsured deposits leaving |  |
| 2018-06 | 2 |  | noncurrent p90, uninsured deposits leaving |
| 2018-09 | 2 |  |  |
| 2018-12 | 6 | noncurrent p90, reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2019-03 | 6 |  |  |
| 2019-06 | 5 | capital falling | deposits shrinking, assets shrinking |
| 2019-09 | 5 | uninsured deposits leaving | capital falling |
| 2019-12 | 4 |  | uninsured deposits leaving |
| 2020-03 | 4 |  |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 5 | capital falling |  |
| 2020-12 | 4 |  | reserve under noncurrent |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 3 |  | capital falling |
| 2022-03 | 4 | expense ratio p90 |  |
| 2022-06 | 3 |  | expense ratio p90 |
| 2022-09 | 6 | AOCI drag >20% of equity, losing money, expense ratio p90 |  |
| 2022-12 | 7 | capital falling |  |
| 2023-03 | 3 |  | AOCI drag >20% of equity, losing money, expense ratio p90, capital falling |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 5 | capital falling, deposits shrinking, assets shrinking | noncurrent p90 |
| 2024-03 | 3 |  | deposits shrinking, assets shrinking |
| 2024-06 | 4 | deposits shrinking, assets shrinking | capital falling |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 | capital falling | deposits shrinking, assets shrinking |
| 2025-03 | 4 | deposits shrinking, assets shrinking | capital falling |
| 2025-06 | 2 |  | deposits shrinking, assets shrinking |
| 2025-09 | 2 |  |  |
| 2025-12 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2026-03 | 5 | capital falling, noncurrent p90, reserve under noncurrent | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2026-06 | 2 |  | capital falling, noncurrent p90, reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-02-29 [Business Seen - Amarillo Globe-News](https://news.google.com/rss/articles/CBMifEFVX3lxTE5oVDFkZFZwY21KZ0Z0TFBMZ2thMlNnSGd6VDZpeXpCU0tEcG9TZlVFNEM3NnowRlFDaTI3dVk4Y0ZDdUdKaDRVZ2Iybko1OU52NWNwWVY4alVPWExiQmp3M2VRR2h6Qm1PV2hER2xBUFZzcnhGUXR3Ml9MeC0?oc=5) · Amarillo Globe-News
- 2019-12-20 [Paris Community Banker Elected to Independent Bankers Assn. of Texas Board of Directors - MyParisTexas](https://news.google.com/rss/articles/CBMisgFBVV95cUxOaWRrWjM2b2pIY0k3VHBPWWdocXFpRG5FczVmR0tMRFQ2LVFOdEkyQ0xIVGJXdTlMWEVrS1N3NFhaM2UxdFNNSElvaEdGQ0JrY2JmX0k3R2w4Vy0tVFFFc1VwS0hzT1R6QzRLUGRWcXJ2dTBObVQ1eWZNNmZqNndNMlR4dGlXbVJkbHR1TzlhSi1saUxOd19FT0txbktBZUloMEJqZDhNQXRNQkJFWFBUSUtn?oc=5) · MyParisTexas
- 2025-06-09 [William S. "Bill" Martin Obituary Jun 9, 2025 - Wilkirson-Hatch-Bailey Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE4zSFk4c1dpZW9UR0RHVU55aE5aWlBpeTEyNW1XMWtEQlI4el90ZVk1LXYxNVpVZmlvS25XYlUyYlFmMzhFMEhqYzRZSzJQbEN3SGQ3bzJPaFFmOXIxanpOczVjYw?oc=5) · Wilkirson-Hatch-Bailey Funeral Home
- 2024-04-04 [Mable Bush Obituary November 28, 2021 - Grace Gardens Funeral Home & Crematorium](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9wVnFYU2s4SEcwOVczeEhEcWZIcE1QMGhiR1Ewc2JHY1dKdWRaVFNBREFmcG1IVG1ucnNLVDRYMXU3Skw0ajZtcHNDZW9Fc0pKbDFqeGxmOGFlS2llbWhqcVFB?oc=5) · Grace Gardens Funeral Home &amp; Crematorium
- 2015-07-11 [Pamela Hughes Obituary - McGregor, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxPWXl5bFB1b0RmaEliT3c4UjVMS2VFQWF6bDhETDM5eHJ4SmZhQlZQNlVSdmFYZGp2SEtBN1pkRVVfaVZTUkpRaTFwQlhpRXZCOXRFekxnQzdWNm9ZX21Hc1RuOG5nem9sUFVBQk4zWVBVWGpzRmV3UWVzeGNDTFlqUkt3?oc=5) · Dignity Memorial
- 2016-09-24 [Austin attorney charged in Saturday hit-and-run - Austin American-Statesman](https://news.google.com/rss/articles/CBMiswFBVV95cUxOSU0td2M0SEt0aUI2RnFHS3pwaUVhNWxjRmRjS1MtN3p2b3k4aXVYeXNyUXU3NjVpZ1NMZl9JMVp5Zk5RSDlCWng5REYwaTZCNTZveFV0Y2NZcWVQcHdmYkNKR3FDLWRNTEtfTlpYUWJURmY1NjFSZlpOYkJyMzhaTjZMcGQzLXhaRTA4d3pza2Q1Z2hJUVA4SGQyaDl3VWJfbTBVZWJ4OTl1QUNlSnQyMER6SQ?oc=5) · Austin American-Statesman
- 2020-11-09 [Christy Franks McGuire Obituary - Temple, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNZGNqX3p2SmNyTWk2bWlQOG5NQU4tUS1UcTBmRVBZazVoTUdsZ196UFIwRHpaYjhDMTB1V29BZE0zR19Ub05JcENlQzVqLUxDb01qb2RkRGtxckZMNmRNMVAySWxwXzBWNFBmUm1JYU5reEV5czBYUkNJdXBkbDVUUlJQQXlIVEp2NXI4?oc=5) · Dignity Memorial
- 2021-11-29 [Tawny Martin Obituary (2006) - Waco, TX - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPWGQ0bWR6Z2tKeWV5Z0RjSC0tQjZQUm80QklRbGpKRy1mVEt2SmtoMHQyMnB6LTZJbG55a0hBdjBzdjZBaDFnMlE0UkxQSVVOOU1kYU9yaGluSUhmQ0doY184elc4WFdJX2xESGYtUzAzOFpqMkdwQW84cHRqQnJ0Qw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3351 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/23.json (key "3351", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide