Woodforest 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 14.12 percentage points lower than in Q1 2026, at 41.68%. Woodforest National Bank ranks 60th of 345 Texas banks on return on assets, in the upper half at 2.05% (Q2 2026). Against a median of 1.28% for banks in the $1B-10B asset tier, Woodforest National Bank reported 2.05% on return on assets in Q2 2026, 0.78 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.27% |
| Tier 1 risk-based capital ratio | 11.27% |
| Total risk-based capital ratio | 12.52% |
| Tier 1 leverage ratio | 9.35% |
| Equity capital to assets | 8.78% |
| Tangible equity to tangible assets | 8.45% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.69% |
| Non-performing assets ratio | 2.47% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 26.19% |
| Allowance for credit losses to loans | 1.54% |
| Reserve coverage of non-performing loans | 41.68% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.05% |
| Return on equity | 23.89% |
| Net interest margin | 4.43% |
| Efficiency ratio | 72.34% |
| Yield on earning assets | 5.40% |
| Cost of funds | 1.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.31% |
| Core deposits to total deposits | 98.46% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.45% |
| Securities to assets | 23.49% |
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 | 10.03% | 10.03% | 11.24% | 9.17% | 1.68% |
| Q4 2023 | 9.84% | 9.84% | 10.95% | 8.98% | 0.48% |
| Q1 2024 | 10.06% | 10.06% | 11.28% | 9.02% | 1.78% |
| Q2 2024 | 10.34% | 10.34% | 11.40% | 9.20% | 1.80% |
| Q3 2024 | 10.28% | 10.28% | 11.40% | 9.28% | 1.70% |
| Q4 2024 | 9.90% | 9.90% | 11.15% | 8.65% | 1.31% |
| Q1 2025 | 9.94% | 9.94% | 11.06% | 8.75% | 1.31% |
| Q2 2025 | 10.01% | 10.01% | 11.27% | 8.78% | 1.65% |
| Q3 2025 | 10.47% | 10.47% | 11.72% | 8.97% | 2.02% |
| Q4 2025 | 10.60% | 10.60% | 11.78% | 8.81% | 1.09% |
| Q1 2026 | 10.95% | 10.95% | 12.15% | 8.96% | 2.01% |
| Q2 2026 | 11.27% | 11.27% | 12.52% | 9.35% | 2.05% |
Woodforest National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodforest 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 Woodforest National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23220) · FFIEC NIC profile (RSSD 412751)