Woodforest National Bank: Loan Modifications and Restructuring
Data as of · Call Report Schedules RC-C Memoranda and RC-N How we update
Loans whose terms were changed for a borrower in financial difficulty. Modification postpones a loss rather than removing it, so a modified book growing faster than the non-performing book is worth reading as an early signal rather than a clean bill of health.
Modified loans and leases climbed 72.3% in Q2 2026, from $60.3M to $103.9M. It was the largest change from Q1 2026 among the key lines here.
Modified loans
| Line item | Q2 2026 |
|---|---|
| Modified loans and leases | $103.9M |
| Modified loans to total loans | 1.77% |
| Non-performing assets excluding restructured loans, to assets | 1.31% |
Read against the non-performing book
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to total loans | 3.69% |
| Nonaccrual loans to loans | 1.93% |
| Loans 90+ days past due to loans | 0.00% |
| Net charge-off ratio | 0.08% |
| Allowance for credit losses to loans | 1.54% |
Shown side by side so the modified share can be compared with recognised non-performing loans and with what has already been charged off.
Loan Modifications and Restructuring trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
A modified share rising while the non-performing share stays flat is the pattern worth investigating.
Loan Modifications and Restructuring by quarter
| Quarter | Modified loans | Non-performing loans | Net charge-offs |
|---|---|---|---|
| Q3 2023 | 1.01% | 1.48% | 0.84% |
| Q4 2023 | 1.44% | 2.18% | 1.15% |
| Q1 2024 | 1.23% | 2.75% | 0.35% |
| Q2 2024 | 0.37% | 1.45% | 1.40% |
| Q3 2024 | 0.31% | 1.09% | 0.33% |
| Q4 2024 | 0.31% | 1.22% | 0.61% |
| Q1 2025 | 0.28% | 1.50% | 2.09% |
| Q2 2025 | 0.43% | 1.42% | 0.20% |
| Q3 2025 | 0.39% | 1.53% | 0.66% |
| Q4 2025 | 1.07% | 2.19% | 1.59% |
| Q1 2026 | 1.00% | 2.41% | 0.44% |
| Q2 2026 | 1.77% | 3.69% | 0.08% |
Woodforest National Bank loan modifications and restructuring, all the way back
Loan Modifications and Restructuring back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodforest National Bank, freeSource: Call Report Schedules RC-C Memoranda and RC-N, 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)