Woodforest National Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs rose to 3.69% from 2.41% in the prior period. Woodforest National Bank is the primary bank subsidiary of its parent holding company, headquartered in The Woodlands, TX. Returns are notably above industry norms: 2.05% ROA, 23.89% ROE, and 4.43% NIM. Woodforest National's Q2 2026 balance sheet shows $9.0B in assets funded primarily by $8.1B in customer deposits. Capital is comfortably above regulatory requirements, CET1 ratio of 11.27% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics show stress, 3.69% NPLs and a 26.19% Texas Ratio above the 100% historical failure threshold. A 742-branch network serves customers across multiple states.
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 3.69%, a Texas ratio of 26.19%, per financial data filed with the FFIEC.
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
- Offices
- 742 domestic
- Employees (FTE)
- 4,334
- Domestic deposits
- $8.13B
- Allowance for credit losses
- $90.5M
- Net charge-offs (YTD)
- $7.9M
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Woodforest National Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Woodforest National 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.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Woodforest National Bank: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.27% | 2.05% | 3.69% | 26.19% | 4.43% |
| Q1 2026 | 10.95% | 2.01% | 2.41% | 18.33% | 4.21% |
| Q4 2025 | 10.60% | 1.09% | 2.19% | 19.61% | 4.25% |
| Q3 2025 | 10.47% | 2.02% | 1.53% | 12.50% | 4.59% |
| Q2 2025 | 10.01% | 1.65% | 1.42% | 14.37% | 4.66% |
| Q1 2025 | 9.94% | 1.31% | 1.50% | 15.72% | 4.36% |
| Q4 2024 | 9.90% | 1.31% | 1.22% | 13.47% | 4.40% |
| Q3 2024 | 10.28% | 1.70% | 1.09% | 9.31% | 4.74% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 742 branches →
| 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 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1999 | Structure Change | Acquired Highlands Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| 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
What the public regulatory sources show for Woodforest National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 447 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Woodforest National Bank headquartered?
Woodforest National Bank is headquartered in The Woodlands, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Woodforest National Bank founded?
Woodforest National Bank was established in 1980, per the FDIC institution directory.
Is Woodforest National Bank FDIC-insured?
Yes. Woodforest National Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Woodforest National Bank's CET1 capital ratio?
Woodforest National Bank 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?
Woodforest National Bank operates 742 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?
Woodforest National Bank's Texas Ratio is 26.19% in its Q2 2026 call report, within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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