Inwood National Bank
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Data as of · sourced from FFIEC call reports. How we update
Inwood National Bank is an FDIC-insured commercial bank headquartered in Dallas, TX, established in 1964 (FDIC certificate 19080), and it is supervised by the OCC. At Q2 2026 it reported total assets of $4.26B, up 0.6% from Q2 2025, the 26th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 16.18% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 19080
- Headquarters
- Dallas, TX
- Established
- 1964
- Total assets, Q2 2026
- $4.26B
- Assets vs Q2 2025
- +0.6%
- CET1 ratio, Q2 2026
- 16.18%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 111001040
- Latest call report
- Q2 2026, FFIEC 041 · Inwood National Bank call report
- Holding company
- INWOOD DELAWARE, INC.
- Asset rank in state
- 26th of 346 in Texas
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 880 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 0.37% and a Texas ratio of 1.87%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Inwood National Bank is the 26th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 4.0% to $4.26B, loans fell 0.3% and deposits fell 4.9%. Non-owner-occupied commercial real estate loans made up 48.8% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 16.2%. The FDIC Summary of Deposits lists 12 offices for it, in 9 cities in TX; its Dallas 4 offices book 57% of its branch deposits. By the capital ratios in its Q2 2026 call report, Inwood National Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 12 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Inwood National Bank's total assets ranged from $4.24B (Q2 2025) to $4.68B (Q3 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$4.26B total assets against $4.24B; $3.76B total liabilities against $3.77B.
$2.46B net loans and leases against $2.42B; $3.66B total deposits against $3.68B.
$1.29B securities against $1.46B; $425.2M cash and balances due against $272.4M.
$48.2M total interest income against $44.4M; $16.5M total interest expense against $20.5M.
$31.7M net interest income against $23.9M.
$1.4M total noninterest income against $1.5M; $12.6M total noninterest expense against $12.3M.
$3.0M provision for credit losses against $51K.
$17.6M net income against $13.0M.
1.63% return on assets against 1.22%; 3.05% net interest margin against 2.35%.
16.18% CET1 capital ratio against 15.04%; 10.79% tier 1 leverage ratio against 10.16%.
Inside the full Inwood National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 132 of 3,606, for efficiency ratio; its furthest is 2,308 of 3,640, for Texas Ratio.
Metric pages for Inwood National Bank: Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.80% (Q3 2024) to 1.63% (Q2 2026) and its net interest margin ran from 1.74% (Q3 2024) to 3.05% (Q2 2026).
| 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
View all 12 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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 | Structure Change | Acquired Turtle Creek National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 3, 1995 | 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 |
| February 24, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in TX, rank 45 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Inwood National Bank headquartered?
It is headquartered in Dallas, TX, United States.
When was Inwood National Bank founded?
It was established in 1964, per the FDIC institution directory.
Is Inwood National Bank FDIC-insured?
Yes. It 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.
What is Inwood National Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 1.87% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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