Woodforest National Bank

What sets Woodforest National Bank apart

• Over the year to Q2 2026, the net loans and leases of Woodforest National Bank fell by 7.2% to $5.8 bn, a bigger fall than at 96% of covered banks.

How large is Woodforest National Bank?

The balance sheet of Woodforest National Bank at Q2 2026: assets $9.0 bn, deposits $8.1 bn, net loans $5.8 bn (loans equal to 71.20% of deposits). Securities make up 23.5% of total assets at Woodforest National Bank. Since Q1 2016, when Woodforest National Bank held $4.9 bn, its assets grew 82.9%. In the year to Q2 2026, deposits at Woodforest National Bank fell 2.5% while its total assets fell 1.4%. At Q2 2026, Woodforest National Bank employed 4,334 full-time equivalent staff across 743 offices, about $2.1 mn of assets per employee and $10.9 mn of deposits per office.

How much funding at Woodforest National Bank is uninsured?

At Woodforest National Bank, uninsured deposits (above the FDIC limit) made up 28.30% of domestic deposits at Q2 2026 (+1.53 pp on a year earlier); Woodforest National Bank ranks 336th of 500 on this measure. In dollars, Woodforest National Bank estimated $2.3 bn of uninsured deposits.

Key facts, Q2 2026

US rank of Woodforest National Bank: 1 = highest unless marked 1 = lowest.

The CET1 ratio of Woodforest National Bank stood at 11.27% in Q2 2026, +1.26 pp year on year. Low and high at Woodforest National Bank since Q1 2016: 9.51% (Q2 2022) to 13.76% (Q1 2016). Equity capital of Woodforest National Bank at Q2 2026: $788.5 mn, or 8.8% of total assets. Woodforest National Bank also reported a total capital ratio of 12.52% for Q2 2026, and a tier 1 leverage ratio of 9.35%.

On held-to-maturity securities, Woodforest National Bank carried an unrealized loss of $192.4 mn at Q2 2026, equal to 24.4% of equity capital. The loss narrowed by $31.4 mn over the year. Its deepest point: $403.8 mn in Q3 2023. The available-for-sale portfolio of Woodforest National Bank showed an unrealized loss of $87.4 mn at Q2 2026; the loss narrowed by $23.0 mn over the year.

For the year to Q2 2026, Woodforest National Bank earned a return on equity of 24.22%; return on assets: 2.05%. Net interest margin at Woodforest National Bank: 4.41%, -0.23 pp in a year. Woodforest National Bank net income: $93.5 mn, up 37.9% year on year. The efficiency ratio of Woodforest National Bank was 72.93%: about 73 cents cost per revenue dollar, against 57 cents at the median peer.

At Q2 2026, noncurrent loans were 1.93% of total loans at Woodforest National Bank; net charge-offs: 0.26% of average loans. Gross loans and leases at Woodforest National Bank: $5.9 bn, down 7.2% in a year.

The peer group of Woodforest National Bank is the 6 banks nearest to it by total assets at Q2 2026: 3 larger and 3 smaller. Of the peers, 2 share the charter type of Woodforest 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, Woodforest National Bank shows CET1 ratio 11.27% against a peer median of 13.35%, return on equity 24.22% against a peer median of 11.20% and uninsured deposit share 28.30% against a peer median of 20.80%.

No merger or acquisition by Woodforest National Bank appears in the FDIC history since Q1 2016, and its total assets never moved more than 25% in one quarter.