Woodforest National Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Accumulated other comprehensive income fell 5.8% in Q2 2026 to -$88.1M, the biggest move on this page. On CET1 ratio, Woodforest National Bank is 7th from the bottom among 184 Texas banks, 11.27% (Q2 2026). Woodforest National Bank reported 11.27% on CET1 ratio for Q2 2026, 2.21 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.27% |
| Tier 1 risk-based capital ratio | 11.27% |
| Total risk-based capital ratio | 12.52% |
| Tier 1 leverage ratio | 9.35% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $844.8M |
| Tier 1 capital | $844.8M |
| Total risk-based capital | $938.6M |
| Total equity capital | $788.5M |
| Risk-weighted assets | $7.49B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.78% |
| Tangible equity to tangible assets | 8.45% |
| Equity capital to average assets | 8.70% |
| Internal capital growth rate | 11.84% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $95.9M |
| Retained earnings | $779.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$88.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.03% | 10.03% | 11.24% | 9.17% | $8.40B |
| Q4 2023 | 9.84% | 9.84% | 10.95% | 8.98% | $8.43B |
| Q1 2024 | 10.06% | 10.06% | 11.28% | 9.02% | $8.45B |
| Q2 2024 | 10.34% | 10.34% | 11.40% | 9.20% | $8.43B |
| Q3 2024 | 10.28% | 10.28% | 11.40% | 9.28% | $8.40B |
| Q4 2024 | 9.90% | 9.90% | 11.15% | 8.65% | $8.11B |
| Q1 2025 | 9.94% | 9.94% | 11.06% | 8.75% | $8.02B |
| Q2 2025 | 10.01% | 10.01% | 11.27% | 8.78% | $8.05B |
| Q3 2025 | 10.47% | 10.47% | 11.72% | 8.97% | $7.92B |
| Q4 2025 | 10.60% | 10.60% | 11.78% | 8.81% | $7.76B |
| Q1 2026 | 10.95% | 10.95% | 12.15% | 8.96% | $7.63B |
| Q2 2026 | 11.27% | 11.27% | 12.52% | 9.35% | $7.49B |
Woodforest National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodforest National Bank, freeSource: Call Report Schedule RC-R, 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 Woodforest National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23220) · FFIEC NIC profile (RSSD 412751)