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Woodforest National Bank
The Woodlands, TX · FDIC Certificate #23220 · Chartered 09/0
Total assets
$8.98B
Total deposits
$8.13B
Total equity
$788.54M
Net loans
$5.79B
Branches (offices)
742
Net income (YTD)
$93.49M
Rank: #181 of 4,213 U.S. banks by assets · #13 of 346 in Texas. Assets changed -1.4% and deposits -2.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.05% |
| Return on equity | 24.22% |
| Net interest margin (YTD) | 4.41% |
| Equity to assets | 8.78% |
| Tier 1 leverage ratio | 9.35% |
| Uninsured deposits (share of deposits) | 28.3% |
| Noncurrent loans (share of loans) | 1.93% |
| Net charge-offs (share of loans) | 0.26% |
| Loans to deposits | 71.2% |
| Real estate loans (share of loans) | 49.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.84B | 49.1% | |
| Commercial & industrial | $2.30B | 39.8% | |
| Consumer / individual | $74.01M | 1.3% | |
| Construction & development | $270.23M | 4.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $9.24B | $8.35B | $100.29M | $674.34M |
| Jun 2023 | $9.25B | $7.97B | $98.07M | $774.42M |
| Jun 2024 | $9.30B | $8.05B | $84.58M | $730.08M |
| Jun 2025 | $9.11B | $8.33B | $67.78M | $709.12M |
| Jun 2026 | $8.98B | $8.13B | $93.49M | $788.54M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $6.35B | 214 |
| North Carolina | $423.76M | 90 |
| Ohio | $229.77M | 72 |
| Virginia | $192.75M | 48 |
| Pennsylvania | $134.26M | - |
| Illinois | $132.58M | - |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $8.13B.
Similar-sized banks
American Savings Bank, National Association ($9.05B) · B1Bank ($8.89B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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