Inwood National Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Inwood National Bank runs leaner than most banks of its size. Its balance sheet stood at $4.3 billion at June 30, 2026; it is based in Dallas, Texas. It spends about 38 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). On the other hand, it holds about half of its deposits (47%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $176 million equal 38% of Tier 1 capital, down from 52% a year earlier. Earnings jumped: net income for the quarter was $18 million, 35% above the same quarter a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 3.3 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Inwood National Bank reported a CET1 capital ratio of 16.18%, a return on assets of 1.63%, a nonperforming-loan ratio of 0.38% and a Texas ratio of 1.87%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 7621 Inwood Rd, Dallas, TX 75209
- County
- Dallas
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 9, 1964
- Offices
- 12 domestic
- Employees (FTE)
- 204
- Domestic deposits
- $3.66B
- Allowance for credit losses
- $21.5M
- Net charge-offs (YTD)
- $5.1M
- Average total assets
- $4.34B
- Average total loans
- $2.51B
- Average interest-bearing deposits
- $2.63B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 9, 1964
- FDIC Cert
- 19080
- Fed RSSD
- 913753
- Website
- www.InwoodBank.Com →
- Parent Holding Company
- INWOOD DELAWARE, INC. (RSSD 2341743)
- Ultimate Parent
- INWOOD BANCSHARES, INC. (RSSD 1134498)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Inwood National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Inwood National Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Inwood National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Inwood National Bank: Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.18% | 1.63% | 0.37% | 1.87% | 3.05% |
| Q1 2026 | 15.92% | 1.53% | 0.49% | 2.53% | 2.83% |
| Q4 2025 | 15.10% | 1.19% | 0.56% | 3.00% | 2.86% |
| Q3 2025 | 15.40% | 1.40% | 0.76% | 3.99% | 2.52% |
| Q2 2025 | 15.04% | 1.22% | 0.75% | 4.07% | 2.35% |
| Q1 2025 | 15.13% | 1.12% | 0.76% | 4.06% | 2.19% |
| Q4 2024 | 14.52% | 0.94% | 0.74% | 4.11% | 1.98% |
| Q3 2024 | 13.86% | 0.80% | 0.74% | 4.21% | 1.74% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 12 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Inwood National Bank (main office) | Dallas , TX | 75209 | $1.62B |
| Richardson Branch | Richardson , TX | 75081 | $453.5M |
| Wylie Branch | Wylie , TX | 75098 | $286.4M |
| Rockwall Branch | Rockwall , TX | 75032 | $257.4M |
| Provident Bank - Dallas Branch | Dallas , TX | 75240 | $225.5M |
| Western Bank and Trust Branch | Duncanville , TX | 75116 | $162.9M |
| Turtle Creek Branch | Dallas , TX | 75207 | $131.4M |
| Garland Branch | Garland , TX | 75040 | $129.2M |
| Inwood National Bank Branch | Fort Worth , TX | 76102 | $119.7M |
| Denton Branch | Denton , TX | 76205 | $93.8M |
| Buckner Banch Branch | Dallas , TX | 75217 | $91.7M |
| De Soto Branch | De Soto , TX | 75115 | $88.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 16, 2003 | Structure Change | Acquired Western Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 15, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 13, 2000 | Structure Change | Acquired Provident Bank - Dallas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 12, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1996 | Structure Change | Acquired United Bank & Trust, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 3, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 3, 1995 | Structure Change | Acquired Turtle Creek National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 24, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 24, 1989 | Structure Change | Acquired Centennial National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
What the public regulatory sources show for Inwood National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in TX, rank 45 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $350K approved, $117K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Inwood National Bank
What are Inwood National Bank's total assets?
As of the Q2 2026 filing, Inwood National Bank reported total assets of $4.26 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Inwood National Bank headquartered?
Inwood National Bank is headquartered in Dallas, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Inwood National Bank founded?
Inwood National Bank was established in 1964, per the FDIC institution directory.
Is Inwood National Bank FDIC-insured?
Yes. Inwood National Bank is an FDIC-insured commercial bank (FDIC Certificate #19080). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Inwood National Bank?
Inwood National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Inwood National Bank's CET1 capital ratio?
Inwood National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 16.18% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Inwood National Bank operate?
Inwood National Bank operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Inwood National Bank's Texas Ratio?
Inwood National Bank's Texas Ratio is 1.87% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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