← Back to Institutions
Woodforest National Bank
The Woodlands, TX·FDIC Cert #23220·Charter: OCC·Est. 19800905.0·HC: WOODFOREST FINL GROUP EMPLOYEE STK OWNERSHIP PLAN WITH 401 K PROVISIONS AMENDED&RESTATED EFF 01 01 21
Total Assets
$9.2B
Q4 2025
Return on Assets
1.53%
-0.15%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
74.62%
Peer avg: 56.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.53%-0.15
ROE
19.47%-2.06
Efficiency
74.62%+1.34
Equity/Assets
0.00%+0.00
NPL Ratio
1.35%+0.19
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
71.68%-0.59
Charge-offs
1.14%+0.15
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 | 1.8 | 1.8 | 1.8 | 1.7 | 1.3 | 1.5 | 1.7 | 1.5 |
| ROE | 21.9 | 22.5 | 21.9 | 20.9 | 17.4 | 19.5 | 21.5 | 19.5 |
| Efficiency | 71.9 | 73.3 | 74.4 | 73.6 | 74.4 | 73.5 | 73.3 | 74.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.7 | 1.1 | 0.8 | 1.0 | 1.3 | 1.0 | 1.2 | 1.4 |
| Charge-offs | 0.4 | 0.9 | 0.7 | 0.7 | 2.1 | 1.2 | 1.0 | 1.1 |
| Loan/Deposit | 83.3 | 82.6 | 83.3 | 79.3 | 75.3 | 74.8 | 72.3 | 71.7 |
Balance Sheet
Total Assets$9.2B
Total Deposits$8.4B
Total Loans$6.1B
Total Equity$756.6M
Profitability
ROA1.53%
ROE19.47%
Efficiency Ratio74.62%
Net Income$140.0M
Risk & Asset Quality
NPL Ratio1.35%
Charge-off Rate1.14%
Loan/Deposit71.68%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans