WOODFOREST NATIONAL BANK

THE WOODLANDS, TX | Large | Est. Sept. 5, 1980, midnight | FDIC #23220 | RSSD #412751 | OCC
Latest Report: 2025-12-31

WOODFOREST NATIONAL BANK is aln large FDIC-insured commercial bank headquartered in THE WOODLANDS, TX, established in Sept. 5, 1980, midnight. As of 2025-12-31, the bank reported total assets of $9.2B and total deposits of $8.4B. Profitability stands at 1.10% ROA and 13.50% ROE, with a net interest margin of 4.37%. The bank's CET1 capital ratio is 10.60%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.11% and a Texas Ratio of 9.72%. FDIC Certificate #23220.

Assets

$9.2B

Deposits

$8.4B

Loans

$6.1B

Equity

$757M

Profitability

Return on Assets (ROA) 1.10%
Return on Equity (ROE) 13.50%
Net Interest Margin (NIM) 4.37%
Yield on Assets 5.56%
Cost of Funds 2.04%

Asset Quality

NPL Ratio 1.11%
Net Charge-Off Ratio 1.17%
Texas Ratio 9.72%
NPA Ratio 0.88%
ACL / Loans 1.34%

Capital & Liquidity

CET1 Ratio 10.60%
Tier 1 Capital 10.60%
Total Capital Ratio 11.78%
Leverage Ratio 8.81%
Loan-to-Deposit 72.65%

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