Moody National Bank

Name

Moody National Bank

Legal name

Moody National Bank

Website

https://moodybank.com

Company type

Private

Founded year

1907

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (522110), Portfolio Management and Investment Advice (523940), Credit Card Issuing (522210)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Credit Cards & Revolving Credit (FSABAAAC)

akta.pro secondary industry

Real Estate (Commercial Property, REITs) (FSABACAH)

Keywords

• Community banking services
• Personal and business banking
• Commercial lending products
• Wealth and trust management
• Treasury management services

Headquarters

HQ city

Galveston

HQ country

United States

HQ region

North America

Offices17 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Net Interest Income: Traditional banking revenue generated from the spread between interest earned on loans (personal, mortgage, commercial real estate, business loans) and interest paid on deposits (checking, savings, money market, CDs). This is the primary revenue driver for the bank.
2. Non-Interest Income: Fee income from account service charges, overdraft fees, ATM fees, wire transfer fees, safe deposit box rentals, merchant services processing fees, business bill pay fees, credit card fees, and treasury management service fees.
3. Wealth Management & Trust Services: Revenue from wealth management, trust administration, estate planning, investment management, and fiduciary services. The bank manages over $14.2 billion in assets under management/administration, generating fees based on assets under management and service arrangements.
4. Credit Card Revenue: Interchange income from debit and credit card transactions. Credit cards are issued through Mastercard partnership, generating transaction-based fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Moody National Bank is a Texas community bank providing personal banking (checking, savings, money market, CDs, mortgage, auto, home equity, construction, lot loans, credit and gift cards), business banking (checking, savings, commercial real estate loans, lines of credit, term loans, business credit cards), treasury management services (Autobooks, merchant services, lockbox, remote deposit, fraud protection, ACH/wires, sweep accounts, vault), and wealth management and trust services for high-net-worth individuals, families, trusts, and foundations. Distribution is through 14 Texas branch locations plus a full digital banking platform and dedicated advisory teams for business and wealth clients.

Product overview

Moody National Bank is a Texas community bank founded in 1907 offering a comprehensive suite of personal and business banking products. The bank's portfolio includes personal checking (Moody MyFreedom, Moody Checking, Moody Honor Checking, Moody Plus Checking, Moody Platinum Checking), personal savings (Moody Savings, Moody Minor Savings, Money Market accounts, Certificates of Deposit), personal loans (auto, home equity, mortgage, construction, lot loans), and credit cards. Business banking encompasses checking (Small Business, Commercial, Moody Plus SP/NPO, Treasury Fund), savings (Commercial Savings, Commercial Money Market, Community Money Market, Commerce Money Market), commercial loans, treasury management services (Business Bill Pay, Merchant Services, Lockbox, Fraud Protection, Sweep Accounts, ACH/Wire Services, Remote Deposit, Vault Service, Autobooks), and business credit cards. The bank also provides Wealth Management and Trust Services managing over $14.2 billion in assets, and digital banking through online and mobile platforms with mobile check deposit, MyCardRules card management, and e-statements. All deposits are FDIC insured up to $250,000.

Differentiator

Problem solved

Functional benefit

Brands

• Moody MyFreedom Account: A debit card-only consumer account designed for those with limited or no banking experience, certified by the Cities for Financial Empowerment Fund's Bank On movement.
• Moody Bank Wealth Management & Trust

Products and services

• Moody MyFreedom Account Debit-card-only personal checking account for the unbanked or underbanked, certified by the Cities for Financial Empowerment Fund's Bank On National Account Standards, with no monthly service charge and a $25 minimum opening deposit.
• Moody Checking Most popular personal checking account with no minimum balance requirement and no monthly service charge, including free online and mobile banking, e-statements, debit card, 24/7 telephone banking, and free Moody ATM transactions with a $50 minimum opening deposit.
• Moody Honor Checking Personal checking account for customers age 55 and older offering free safe deposit box (first year), three free non-Moody ATM transactions per month, free cashier's checks and money orders, and first order of stock checks free, with no minimum balance and no monthly service charge.
• Moody Plus Checking Interest-bearing personal checking account requiring a $1,500 minimum balance to avoid a $15 monthly service charge, with a free safe deposit box for the first year and three free non-Moody ATM transactions per month.
• Moody Platinum Checking Premium interest-bearing personal checking account requiring $25,000 minimum opening balance ($50,000 in combined balances waives the $25 monthly service charge) with free safe deposit box, 10 free non-Moody ATM transactions per month, free cashier's checks and money orders, and stock checks.
• Moody Savings Basic personal savings account with $100 minimum opening and ongoing balance, $5 monthly service charge if balance falls below minimum, six free pre-authorized or third-party transfers per month, FDIC insured up to $250,000.
• Moody Minor Savings Savings account for minors with a $25 minimum opening balance, no minimum balance requirement, no monthly service charge, and a qualifying Moody Bank relationship required.
• Moody Money Market Interest-bearing money market account with $2,500 minimum opening balance, $15 monthly service charge if balance falls below minimum, online and mobile banking included, no check writing.
• Certificates of Deposit Fixed-rate CD investments with terms from 6 to 36 months, $1,000 minimum opening balance, FDIC insured up to $250,000, with early withdrawal penalties and rates set per term.
• Personal Loans General-purpose personal loans offered to consumer borrowers with flexible terms and competitive rates, underwritten locally at Moody Bank.
• Auto and Boat Loans Consumer financing for new or used cars, trucks, boats, and recreational vehicles with customized loan structures to fit needs and budget.
• Home Equity Loans Loans allowing homeowners to tap accumulated equity for projects, debt consolidation, or other financial needs, underwritten with local decision-making.
• Home Mortgage Loans Loans for purchasing or refinancing homes offered in various rates and terms, supported by local mortgage experts and financial calculators.
• Home Construction Loans One-time close construction loans where borrowers pay interest only during construction with competitive pricing and 30-year amortization terms.
• Lot Loans Land purchase loans with 15-year amortization, as little as 10% down, and credit scores as low as 670 accepted.
• Mastercard Credit Cards Personal credit cards with flexible rewards, low introductory rates, no annual fee, and Mastercard features and global acceptance, supported by digital wallet tokenization through Apple Pay and Google Pay.
• Visa Gift Cards Pre-paid Visa gift cards issued by Pathward, N.A., Member FDIC, usable anywhere Visa debit cards are accepted in the U.S.
• Small Business Checking Business checking account with $100 minimum opening balance, no minimum balance, no monthly service charge, up to 100 free debits per month ($0.50 per debit after that), with online banking, mobile banking, e-statements, and access to treasury management services.
• Commercial Checking Commercial checking account with $500 minimum opening balance, $12.50 monthly service charge, online banking, mobile banking, e-statements, bill pay, and treasury management services available.
• Moody Treasury Fund Large commercial interest-bearing account requiring a $500,000 minimum combined balance alongside a Moody Bank checking account, with no monthly service charge and FDIC insurance up to $60 million.
• Commercial Real Estate Loans Loans for purchasing, investing in, or building commercial properties with competitive rates, flexible terms, and one-time close construction options.
• Business Line of Credit Flexible working capital line allowing businesses to access funds as needed and pay interest only on the amount drawn, with quick local underwriting decisions.
• Term Business Loan Lump-sum business loans for expansion, asset purchases, or equipment upgrades, with regular repayment schedules and competitive fixed or variable interest rates.
• Business Credit Cards Flexible business credit cards accepted at millions of Mastercard merchants worldwide, supporting purchasing power and expense management.
• Treasury Management Services Suite of business treasury tools including Business Bill Pay, Merchant Services, Lockbox Service, Fraud Protection (ACH blocks and filters), Sweep and Zero Balance Accounts, ACH/Payroll/Wire Services, Remote Deposit Capture, and Vault Service.
• Autobooks Integrated online accounting and invoicing tool enabling businesses to send invoices, accept online payments, automate accounting, and pay bills directly from their business checking account.
• Wealth Management and Trust Services Comprehensive wealth management services including investment management, estate planning and administration, trust services, mineral asset management, real property management, farm and ranch management, philanthropic legacy planning, endowment management, and retirement planning across the Wealth Management & Trust Department's $14.2 billion in managed/administered assets.
• Online and Mobile Banking 24/7 digital banking platform powered by UniFI Digital Banking, including web access at my.moodybank.com and the Moody Bank mobile app (iOS/Android v5.4.0+) with biometric login (Face ID/Touch ID), mobile check deposit, MyCardRules card controls, two-step verification, passkeys, and digital wallet support.

Quantifiable outcome

• Wealth Management & Trust Department ranked #1 by Houston Business Journal among wealth management firms with investment minimums under $1 million
• +4 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• MastercardcoreTechnology or IntegrationMoody Bank issues credit and debit cards through a partnership with Mastercard. Cards are accepted at millions of merchants worldwide. Gift cards and travel cards are issued by Pathward, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc.
• Pathward, N.A.coreTechnology or IntegrationMoody Bank's prepaid Visa Gift Cards and Visa Travel Cards are issued by Pathward, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc.
• GoogleminorGTM or Marketing PartnerMoody Bank uses Google advertising platforms (Google Ads) to serve targeted advertisements to website visitors based on their prior visits. Uses Google Analytics and Google Ads remarketing technologies for advertising and measurement services.
• MicrosoftminorGTM or Marketing PartnerMoody Bank uses Microsoft advertising platforms (Microsoft Advertising) for targeted digital advertising and Microsoft UET Tags for tracking and measurement services.
• Meta (Facebook and Instagram)minorGTM or Marketing PartnerMoody Bank uses Meta advertising platforms (Facebook and Instagram) for targeted advertisements and Meta Pixel technology for advertising and measurement services.
• Cities for Financial Empowerment Fund (CFE Fund)minorStrategic or Co-development PartnerMoody Bank joined the Cities for the Financial Empowerment Fund (CFE) to certify the Moody MyFreedom Account, meeting the Bank On National Account Standards for accessible banking for the unbanked and underbanked.
• United Way of GalvestonminorOthersAnnual United Way of Galveston Employee Giving Campaign. Since 2006, Moody Bank employees have raised nearly $700,000 for local nonprofit agencies through this campaign.

Scale indicators5 records

Recent moves11 records

Expansion highlights5 records

Direct peers

• Frost Bank: Frost Bank is a San Antonio-headquartered Texas community bank offering personal, business, and wealth management services across multiple Texas metros. It shares Moody's community-banking model with a strong Texas brand, HNW/wealth emphasis, and multi-generational client relationships.
• Prosperity Bancshares (Prosperity Bank): Prosperity Bancshares operates Prosperity Bank, a Texas-headquartered community/commercial banking franchise with broad deposit and lending products. It is highly comparable as a Texas-centric community bank with physical branches and small-business/retail focus overlapping Moody's core segments.
• Independent Bank Group: Independent Bank Group is a Texas-based community bank holding company serving retail and small-business customers through branch banking across the state. Directly comparable to Moody on community-led GTM, Texas deposit franchise, and small-business/commercial lending focus.
• Texas Capital Bank: Texas Capital Bank is a Dallas-headquartered commercial bank serving businesses, HNW individuals, and wealth management clients with relationship banking across Texas. Comparable to Moody's commercial banking plus wealth management combination within a Texas-only footprint.
• Broadway National Bank: Broadway Bank is a San Antonio-based community bank known for its trust and wealth management franchise serving HNW families and businesses in South Texas. Highly comparable to Moody's community banking plus legacy trust department model; Wayne Madsen joined Moody from Broadway's wealth division.
• Origin Bank: Origin Bank (Origin Bancorp) is a Louisiana-rooted community bank that has expanded into East Texas and Mississippi, offering personal, business, and wealth products. Comparable as a regional community/commercial bank with multi-generational client emphasis and a single-state-origin footprint similar to Moody's Texas concentration.

Broad incumbents

• Cadence Bank: Cadence Bank (formerly Cadence Bancorporation) is a regional commercial bank with strong presence across the Southeast and Texas, offering commercial, treasury, and wealth services. Larger-than-Moody incumbent with overlapping commercial banking, treasury management, and wealth offerings serving Texas businesses.
• Comerica Bank: Comerica is a large regional bank with significant Texas operations, including Dallas and Houston, serving middle-market businesses and providing wealth services. Overlaps with Moody in Texas commercial banking and small-business services but operates at materially larger scale and broader geography.
• Zions Bancorporation: Zions Bancorporation is the parent of a network of community/regional banks across the Western U.S., including Texas-facing affiliates, providing commercial, treasury, and wealth services. Comparable as a multi-affiliate community banking model; larger and more diversified than Moody but with overlapping small-business and commercial banking capabilities.

Regional players

• Simmons Bank: Simmons Bank is a Mid-South community bank headquartered in Arkansas that has expanded into Texas, providing consumer, commercial, and wealth services. Comparable to Moody as a community/relationship-led bank with growth into Texas markets rather than direct head-to-head in Moody's coastal Houston/Galveston core.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/moody-national-bank
• Xx.com/moodynatlbank
• Facebookfacebook.com/moodynationalbank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Moody National Bank