Inwood National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 55.76 percentage points in Q2 2026, from 175.32% to 231.07%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Inwood National Bank is 139th of 345 on return on assets, 1.63% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Inwood National Bank sits 0.35 points higher, at 1.63% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.18% |
| Tier 1 risk-based capital ratio | 16.18% |
| Total risk-based capital ratio | 16.98% |
| Tier 1 leverage ratio | 10.79% |
| Equity capital to assets | 11.64% |
| Tangible equity to tangible assets | 11.00% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.38% |
| Non-performing assets ratio | 0.22% |
| Net charge-off ratio | 0.49% |
| Texas ratio | 1.91% |
| Allowance for credit losses to loans | 0.87% |
| Reserve coverage of non-performing loans | 231.07% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.63% |
| Return on equity | 14.29% |
| Net interest margin | 3.05% |
| Efficiency ratio | 37.52% |
| Yield on earning assets | 4.61% |
| Cost of funds | 1.71% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.74% |
| Core deposits to total deposits | 93.52% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.99% |
| Securities to assets | 30.29% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.24% | 13.24% | 14.00% | 9.24% | 0.71% |
| Q4 2023 | 13.55% | 13.55% | 14.32% | 9.28% | 0.59% |
| Q1 2024 | 13.65% | 13.65% | 14.43% | 9.43% | 0.58% |
| Q2 2024 | 13.72% | 13.72% | 14.49% | 9.18% | 0.57% |
| Q3 2024 | 13.86% | 13.86% | 14.62% | 9.04% | 0.80% |
| Q4 2024 | 14.52% | 14.52% | 15.30% | 9.24% | 0.94% |
| Q1 2025 | 15.13% | 15.13% | 15.93% | 9.80% | 1.12% |
| Q2 2025 | 15.04% | 15.04% | 15.84% | 10.16% | 1.22% |
| Q3 2025 | 15.40% | 15.40% | 16.20% | 10.07% | 1.40% |
| Q4 2025 | 15.10% | 15.10% | 15.86% | 10.16% | 1.19% |
| Q1 2026 | 15.92% | 15.92% | 16.72% | 10.52% | 1.53% |
| Q2 2026 | 16.18% | 16.18% | 16.98% | 10.79% | 1.63% |
Inwood National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Inwood National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Inwood National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19080) · FFIEC NIC profile (RSSD 913753)