Inwood National Bank
Inwood National Bank reported total assets of $4.3 bn at Q2 2026, up 0.6% on a year earlier, the 320th largest of 497 banks in our US coverage. The CET1 capital ratio at Inwood National Bank was 16.18%, and the uninsured share of Inwood National Bank was 47.46%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Inwood National Bank climbed from 341st to 134th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Inwood National Bank reports one of the lowest efficiency ratio readings among banks of $1 bn to $10 bn: 38.17% at , where the median of the 339 banks is 56.87% (FDIC Call Reports).
- Over the year to , the net interest margin of Inwood National Bank rose by 0.67 pp to 2.88%, a bigger rise than at 96% of covered banks (FDIC Call Reports).
What sets Inwood National Bank apart
How large is Inwood National Bank?
The balance sheet of Inwood National Bank at : assets $4.3 bn, deposits $3.7 bn, net loans $2.5 bn (loans equal to 67.15% of deposits). Securities make up 30.3% of total assets at Inwood National Bank. Since , when Inwood National Bank held $2.3 bn, its assets grew 87.1%. In the year to , deposits at Inwood National Bank fell 0.4% while its total assets rose 0.6%. At , Inwood National Bank employed 204 full-time equivalent staff across 12 offices, about $20.9 mn of assets per employee and $305.3 mn of deposits per office.
How much funding at Inwood National Bank is uninsured?
At Inwood National Bank, uninsured deposits (above the FDIC limit) made up 47.46% of domestic deposits at (-0.58 pp on a year earlier); Inwood National Bank ranks 106th of 500 on this measure. In dollars, Inwood National Bank estimated $1.7 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.7 bn | -0.4% | 304th of 499 |
| Net loans and leases | $2.5 bn | +1.7% | 371st of 500 |
| Loan-to-deposit ratio | 67.15% | +1.41 pp | 433rd of 500 |
| Tier 1 leverage ratio | 10.79% | +0.63 pp | 194th of 500 |
| Total risk-based capital ratio | 16.98% | +1.14 pp | 91st of 448 |
| Net interest margin | 2.88% | +0.67 pp | 426th of 500 |
| Return on assets (ROA) | 1.57% | +0.41 pp | 135th of 500 |
| Efficiency ratio | 38.17% | -10.73 pp | 51st of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $175.8 mn | Narrowed by $46.1 mn | |
| Noncurrent loans to total loans | 0.37% | -0.39 pp | 134th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.40% | +0.40 pp | 421st of 500 (1 = lowest) |
US rank of Inwood National Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Inwood National Bank: assets, deposits and loans
- Total assets $4.3bn
- Deposits $3.7bn
- Net loans $2.5bn
Capital and securities
The CET1 ratio of Inwood National Bank stood at 16.18% in , +1.14 pp year on year. Low and high at Inwood National Bank since : 11.80% () to 16.18% (). Equity capital of Inwood National Bank at : $495.7 mn, or 11.6% of total assets. Inwood National Bank also reported a total capital ratio of 16.98% for , and a tier 1 leverage ratio of 10.79%.
On held-to-maturity securities, Inwood National Bank carried an unrealized loss of $175.8 mn at , equal to 35.5% of equity capital. The loss narrowed by $46.1 mn over the year. Its deepest point: $295.0 mn in .
Inwood National Bank: capital ratios
- Total capital 17%
- CET1 16%
- Tier 1 leverage 11%
Inwood National Bank: unrealized securities gains and losses
- Available for sale $0
- Held to maturity -$176mn
Profitability and loan quality
For the year to , Inwood National Bank earned a return on equity of 14.11%; return on assets: 1.57%. Net interest margin at Inwood National Bank: 2.88%, +0.67 pp in a year. Inwood National Bank net income: $34.6 mn, up 36.2% year on year. The efficiency ratio of Inwood National Bank was 38.17%: about 38 cents cost per revenue dollar, against 56 cents at the median peer.
At , noncurrent loans were 0.37% of total loans at Inwood National Bank; net charge-offs: 0.40% of average loans. Gross loans and leases at Inwood National Bank: $2.5 bn, up 1.7% in a year.
Inwood National Bank: profitability
- Return on equity 14%
- Net interest margin 2.9%
- Return on assets 1.6%
Peer group of Inwood National Bank
The peer group of Inwood National Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Inwood National Bank (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Texas. Against them, Inwood National Bank shows CET1 ratio 16.18% against a peer median of 15.04%, return on equity 14.11% against a peer median of 11.52% and uninsured deposit share 47.46% against a peer median of 38.28%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Civista Bank | State member bank | OH | $4.3 bn | 16.39% | 9.91% | 18.30% | |
| The First Bank and Trust Company | State member bank | VA | $4.3 bn | 12.58% | 18.63% | 41.53% | |
| Royal Business Bank | State nonmember bank | CA | $4.3 bn | 19.68% | 8.32% | 50.67% | |
| Inwood National Bank | National bank | TX | $4.3 bn | 16.18% | 14.11% | 47.46% | |
| The Bank of Missouri | State nonmember bank | MO | $4.2 bn | 10.83% | 8.10% | 25.30% | |
| Bessemer Trust Company | National bank | NY | $4.2 bn | 23.20% | 38.18% | 82.33% | |
| United Community Bank | State nonmember bank | IL | $4.1 bn | 13.70% | 13.12% | 35.03% | |
. FDIC Call Reports.
Last eight quarters
Two years at Inwood National Bank, to : assets -9.1%, deposits -5.1%, equity +11.3%. Staff 208 to 204.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.7 bn | $4.5 bn | $4.4 bn | $4.2 bn | $4.4 bn | $4.5 bn | $4.4 bn | $4.3 bn |
| Total deposits | $3.9 bn | $3.8 bn | $3.8 bn | $3.7 bn | $3.8 bn | $4.0 bn | $3.9 bn | $3.7 bn |
| Bank equity capital | $445.2 mn | $456.1 mn | $461.4 mn | $460.9 mn | $469.8 mn | $483.1 mn | $492.4 mn | $495.7 mn |
| CET1 ratio | 13.86% | 14.52% | 15.13% | 15.04% | 15.40% | 15.10% | 15.92% | 16.18% |
| Return on equity (ROE) | 6.63% | 7.40% | 10.78% | 11.05% | 11.76% | 11.60% | 13.89% | 14.11% |
| Uninsured share of domestic deposits | 47.51% | 48.44% | 49.61% | 48.04% | 49.90% | 49.73% | 49.91% | 47.46% |
| Full-time equivalent employees | 208 | 202 | 204 | 204 | 202 | 205 | 204 | 204 |
| Number of offices | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Inwood National Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Inwood National Bank?
Inwood National Bank reported $4.3 bn at in its Call Report. That makes Inwood National Bank the 320th largest of 497 banks in our US coverage.
Is Inwood National Bank the same as its holding company?
No. This page covers Inwood National Bank, FDIC certificate 19080; INWOOD BANCSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Inwood National Bank profitable?
Inwood National Bank reported net income of $34.6 mn for the year to ; annualized return on equity: 14.11%. So yes: Inwood National Bank made a profit over these months.
When is data for Inwood National Bank next updated?
Figures from Inwood National Bank for are due after .
Where can I check the figures for Inwood National Bank?
In the FDIC BankFind Suite record for certificate 19080, and in the Call Reports of Inwood National Bank (RSSD ID 913753) at the FFIEC Central Data Repository.