Woodforest National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Woodforest National Bank of The Woodlands, TX against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.05% | 1.46% | +0.59% | 89th top |
| ROAE | 23.89% | 12.68% | +11.21% | 95th top |
| Net Interest Margin | 4.43% | 3.85% | +0.58% | 86th top |
| Efficiency Ratio | 72.34% | 57.35% | +14.99% | 16th bottom |
| PPNR / Avg Assets | 2.41% | 1.87% | +0.54% | 86th top |
| Yield on Earning Assets | 5.40% | 5.72% | -0.32% | 42nd below |
| Cost of Funds | 1.01% | 2.02% | -1.01% | 94th top |
| Net Interest Spread | 3.89% | 3.18% | +0.71% | 89th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.69% | 0.99% | +2.70% | 3rd bottom |
| NPA / Total Assets | 2.47% | 0.75% | +1.72% | 4th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.43% | -0.35% | 34th below |
| ACL / Total Loans | 1.54% | 1.31% | +0.23% | 88th top |
| ACL / NPLs (Coverage) | 41.68% | 545.14% | -503.46% | 6th bottom |
| Texas Ratio | 26.19% | 7.32% | +18.87% | 3rd bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 206.27% | 620.30% | -414.03% | 58th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.27% | 17.36% | -6.09% | 14th bottom |
| Tier 1 Ratio | 11.27% | 17.39% | -6.12% | 13th bottom |
| Total Capital Ratio | 12.52% | 18.44% | -5.92% | 16th bottom |
| Leverage Ratio | 9.35% | 11.44% | -2.09% | 19th bottom |
| Equity / Assets | 8.78% | 11.34% | -2.56% | 17th bottom |
| TCE / Tangible Assets | 8.45% | 10.51% | -2.06% | 19th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.31% | 87.00% | -14.69% | 83rd top |
| Core Deposit Ratio | 98.46% | 85.51% | +12.95% | 97th top |
| Uninsured Deposit Ratio | 28.30% | 33.14% | -4.84% | 59th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.41% | 9.72% | -11.13% | 10th bottom |
| Loan Growth (Y/Y) | -7.19% | 8.11% | -15.30% | 3rd bottom |
| Deposit Growth (Y/Y) | -2.46% | 7.91% | -10.37% | 9th bottom |
See Woodforest National Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Woodforest National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Woodforest National Bank profile, how to read a UBPR, or how this data updates.