Woodforest National Bank
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Data as of · sourced from FFIEC call reports. How we update
Woodforest National Bank is an FDIC-insured commercial bank headquartered in The Woodlands, TX, established in 1980 (FDIC certificate 23220), and it is supervised by the OCC. At Q2 2026 it reported total assets of $8.98B, down 1.4% from Q2 2025, the 13th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 11.27% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 23220
- Headquarters
- The Woodlands, TX
- Established
- 1980
- Total assets, Q2 2026
- $8.98B
- Assets vs Q2 2025
- -1.4%
- CET1 ratio, Q2 2026
- 11.27%
- Domestic offices
- 743 FDIC institution directory, current count
- Routing number
- 113008465
- Latest call report
- Q2 2026, FFIEC 041 · Woodforest National Bank call report
- Holding company
- WOODFOREST FINANCIAL GROUP, INC.
- Asset rank in state
- 13th of 346 in Texas
Problem loans are rising at Woodforest National Bank. Its balance sheet stood at $9.0 billion at June 30, 2026, down 1.4% from a year earlier; it is based in The Woodlands, Texas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.93% of loans from 1.01% a year earlier. It returns 23.9% a year on shareholders' equity, about double the median of 12.6% for the 895 banks with $1 billion to $10 billion in assets. It also pays an average of 1.01% on its deposits and borrowings, about half the median of 2.01% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $280 million equal 33% of Tier 1 capital, down from 41% a year earlier. The non-owner-occupied commercial real estate book ($1.7 billion) is worsening: 3.43% of it is past due or on nonaccrual, up from 1.80% a year earlier. Credit is the area to watch: it carries problem assets equal to 13.9% of the capital and reserves that would absorb them, 3.9 times the median of 3.6% for banks its size.
As of June 30, 2026, Woodforest National Bank reported a CET1 capital ratio of 11.27%, a return on assets of 2.05%, a nonperforming-loan ratio of 1.93% and a Texas ratio of 13.92%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Woodforest National Bank is the 13th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.1% to $8.98B, loans fell 2.8% and deposits fell 2.6%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 39.2% of total loans, ahead of non-owner-occupied commercial real estate loans at 28.9%. By the capital ratios in its Q2 2026 call report, Woodforest National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1330 Lake Robbins Dr, The Woodlands, TX 77380
- County
- Montgomery
- Metro Area
- Houston-Pasadena-The Woodlands, 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
- September 5, 1980
- Domestic offices
- 743 FDIC institution directory, current count
- Employees (FTE)
- 4,334
- Domestic deposits
- $8.13B
- Allowance for credit losses
- $90.5M
- Net charge-offs (YTD)
- $7.9M
- Average total assets
- $9.07B
- Average total loans
- $5.98B
- Average interest-bearing deposits
- $5.42B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- September 5, 1980
- FDIC Cert
- 23220
- Fed RSSD
- 412751
- Website
- www.woodforest.com →
- Parent Holding Company
- WOODFOREST FINANCIAL GROUP, INC. (RSSD 1137770)
- Ultimate Parent
- RSSD 4199229
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
Woodforest National Bank's total assets moved between a low of $8.84B (Q4 2024) and a high of $9.30B (Q3 2025) from Q3 2023 to Q2 2026, 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
$8.98B total assets against $9.11B; $8.20B total liabilities against $8.40B.
$5.79B net loans and leases against $6.24B; $8.13B total deposits against $8.33B.
$2.11B securities against $1.49B; $591.7M cash and balances due against $851.4M.
$114.5M total interest income against $126.3M; $20.6M total interest expense against $27.1M.
$93.8M net interest income against $99.2M.
$108.2M total noninterest income against $110.5M; $147.3M total noninterest expense against $152.9M.
$9.0M provision for credit losses against $19.0M.
$46.6M net income against $37.9M.
2.05% return on assets against 1.65%; 4.43% net interest margin against 4.66%.
11.27% CET1 capital ratio against 10.01%; 9.35% tier 1 leverage ratio against 8.78%.
Inside the full Woodforest 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 are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Woodforest National Bank rankings
Its closest position to the top of a national ranking is 177 of 4,196, for total assets; its furthest is 1,898 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.09% (Q4 2025) to 2.05% (Q2 2026) and its net interest margin ran from 4.21% (Q1 2026) to 4.74% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.27% | 2.05% | 1.93% | 13.92% | 4.43% |
| Q1 2026 | 10.95% | 2.01% | 1.42% | 11.09% | 4.21% |
| Q4 2025 | 10.60% | 1.09% | 1.33% | 11.59% | 4.25% |
| Q3 2025 | 10.47% | 2.02% | 1.15% | 9.58% | 4.59% |
| Q2 2025 | 10.01% | 1.65% | 1.01% | 10.88% | 4.66% |
| Q1 2025 | 9.94% | 1.31% | 1.27% | 13.42% | 4.36% |
| Q4 2024 | 9.90% | 1.31% | 0.95% | 10.85% | 4.40% |
| Q3 2024 | 10.28% | 1.70% | 0.82% | 6.90% | 4.74% |
Swipe the table sideways to see every column.
Branch Network
View all 742 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 |
|---|---|---|---|
| Town Center Branch | The Woodlands , TX | 77380 | $2.58B |
| 0302 Conroe 105 Traditional Branch | Conroe , TX | 77304 | $186.5M |
| 0410 Tomball Branch | Tomball , TX | 77377 | $132.5M |
| 0307 Willis Plaza Branch | Willis , TX | 77378 | $111.6M |
| 0311 Magnolia Branch | Magnolia , TX | 77354 | $105.3M |
| 0317 Montgomery Trace Traditional Branch | Montgomery , TX | 77356 | $105.3M |
| 0301 Rayford Branch | Spring , TX | 77386 | $97.9M |
| 1488 Woodforest Plaza Branch | Magnolia , TX | 77354 | $96.1M |
| 0004 Harris County Branch | Houston , TX | 77015 | $93.4M |
| Sterling Ridge Branch | The Woodlands , TX | 77382 | $90.9M |
| 0323 Research Plaza Branch | The Woodlands , TX | 77381 | $68.6M |
| 0316 College Park Branch | Conroe , TX | 77384 | $68.2M |
| I 10 East Freeway Branch | Houston , TX | 77015 | $65.2M |
| Traditional Downtown Conroe Branch | Conroe , TX | 77301 | $62.7M |
| 0107 Sheldon Branch | Channelview , TX | 77530 | $62.4M |
| 0108 Highlands Branch | Highlands , TX | 77562 | $56.4M |
| 0401 Louetta Branch | Spring , TX | 77379 | $53.5M |
| 0309 Grogans Mill Branch | The Woodlands , TX | 77380 | $51.7M |
| 0305 Wal-Mart Branch | Conroe , TX | 77304 | $49.1M |
| Loop 336 Branch | Conroe , TX | 77301 | $48.9M |
| 0416 Bammel Wal-Mart Branch | Houston , TX | 77068 | $48.0M |
| 242 Wal-Mart Branch | The Woodlands , TX | 77384 | $45.7M |
| 0210 Atascocita Plaza Branch | Humble , TX | 77346 | $42.8M |
| Normandy Branch | Houston , TX | 77015 | $41.3M |
| 0413 Fm Plaza Branch | Spring , TX | 77379 | $40.9M |
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 |
|---|---|---|---|
| May 1, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2011 | Structure Change | Acquired Woodforest Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 1999 | Structure Change | Acquired Highlands Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 8, 1995 | Structure Change | Acquired National Bank of Conroe Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 7, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1986 | Structure Change | Acquired Bank of Woodforest 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 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC); 4 against individuals associated with it
- October 7, 2010, OCC: Civil Money Penalty (CMP): Woodforest National Bank
- October 6, 2010, OCC: C&D or PC&D Requiring Restitution: Woodforest National Bank
- October 6, 2010, OCC: Formal Agreement: Woodforest National Bank
- Period: Most recent institution action October 7, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in TX, rank 28 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 4 applications, 2 loans originated, $16.5M originated, across 2 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $136K approved, $136K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Woodforest National Bank
What are Woodforest National Bank's total assets?
As of the Q2 2026 filing, Woodforest National Bank reported total assets of $8.98 billion in its FFIEC call report.
Where is Woodforest National Bank headquartered?
It is headquartered in The Woodlands, TX, United States.
When was Woodforest National Bank founded?
It was established in 1980, per the FDIC institution directory.
Is Woodforest National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23220). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Woodforest National Bank?
Woodforest National Bank's primary federal regulator is the OCC.
What is Woodforest National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.27% in its Q2 2026 call report, above regulatory requirements.
How many branches does Woodforest National Bank operate?
It operates 743 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Woodforest National Bank's Texas Ratio?
Its Texas Ratio is 13.92% 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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