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Inwood National Bank
Dallas, TX·FDIC Cert #19080·Charter: OCC·Est. 19640409.0·HC: INWOOD BANCSHARES INC
Total Assets
$4.5B
Q4 2025
Return on Assets
1.23%
-0.01%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
47.02%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
65
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.23%-0.01
ROE
11.60%-0.16
Efficiency
47.02%-0.47
Equity/Assets
0.00%+0.00
NPL Ratio
0.56%-0.21
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
63.89%+1.22
Charge-offs
0.17%+0.17
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.6 | 0.6 | 0.6 | 0.7 | 1.1 | 1.2 | 1.2 | 1.2 |
| ROE | 5.8 | 5.8 | 6.6 | 7.4 | 10.8 | 11.1 | 11.8 | 11.6 |
| Efficiency | 65.5 | 65.7 | 62.4 | 60.2 | 49.3 | 48.9 | 47.5 | 47.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.8 | 0.7 | 0.7 | 0.8 | 0.8 | 0.8 | 0.8 | 0.6 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.2 |
| Loan/Deposit | 69.2 | 65.9 | 63.9 | 64.7 | 62.5 | 65.7 | 62.7 | 63.9 |
Balance Sheet
Total Assets$4.5B
Total Deposits$4.0B
Total Loans$2.5B
Total Equity$483.1M
Profitability
ROA1.23%
ROE11.60%
Efficiency Ratio47.02%
Net Income$54.1M
Risk & Asset Quality
NPL Ratio0.56%
Charge-off Rate0.17%
Loan/Deposit63.89%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans