# INWOOD NATIONAL BANK
DALLAS, TX · FDIC certificate 19080 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $4.26B | |
| Deposits | $3.66B | |
| Loans and leases | $2.48B | |
| Total equity | $495.7M | |
| Loans / deposits | 67.15% (p13 of band) | 87.10% |
| Liquid assets / assets | 40.27% (p90 of band) | |
| Uninsured deposits / deposits | 47.46% (p88 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.09% (p30 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.79% (p56 of band) | 10.50% |
| Unrealized securities loss / equity | -35.45% (p6 of band) | -7.75% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 1.57% (p72 of band) | 1.26% |
| Net interest margin | 2.88% (p12 of band) | 3.70% |
| Efficiency ratio | 38.17% (p7 of band) | |
| Noncurrent loans | 0.37% (p38 of band) | 0.51% |
| Net charge-offs (annualized) | 0.23% (p88 of band) | |
| Reserve coverage of noncurrent | 235.94% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 56.52% (p59 of band) | |
| Auto loans | $1.6M (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -0.4% | |
| Employees | 204 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 2 | construction >100% equity |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 0 |  | construction >100% equity, capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 2 | uninsured deposits >50% |  |
| 2020-03 | 1 |  | uninsured deposits >50% |
| 2020-06 | 2 | uninsured deposits >50% |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | securities losses >30% of equity |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 3 | deposits shrinking |  |
| 2023-03 | 4 | NIM <2.5% |  |
| 2023-06 | 3 | uninsured deposits leaving | uninsured deposits >50%, deposits shrinking |
| 2023-09 | 2 |  | uninsured deposits leaving |
| 2023-12 | 3 | uninsured deposits leaving |  |
| 2024-03 | 2 |  | uninsured deposits leaving |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | capital falling |  |
| 2024-12 | 2 |  | capital falling |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | assets shrinking |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | assets shrinking |
| 2026-03 | 1 |  | NIM <2.5% |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-22 [Inwood Bank president abruptly departs after 40-plus years - The Business Journals](https://news.google.com/rss/articles/CBMikwFBVV95cUxPT2REMEM1SlNmVU5GSk9HSV9KdzhBVDdGZWFKM25MYWF6RWV3UEhuR1FZdDYxcGYzU2hYWlFQMnNWRV9ndXVlZEEzZWFWZGsxQlpzaGN5dGhTNTlHcjNWT09HTzBRVWdna3FRUEdKdTJDOXgwbzl2ek1pbF9IcGs0dDRHUFZpRXVHaXFKZk5TTWFsY28?oc=5) · The Business Journals
- 2026-07-10 [Inwood National Bank Has the Hot List for Summer Homebuyers - CandysDirt.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxOVFFLeF92U0tkam1DUWdzcXZ2TVREdXh4emFuRU8tMWQ5VWxKZl9Fclk0ZkNIWVVMWmQ2M1Jxb1VTdnJJNFBSdnhLYTNvLTVkV0JXUTNOZWcxWFNGdWdtTzFDRnV3TGJsZndISUhHWEVxeUs4eDZCd2sydTN0ZG8zRHNoQjI3Q1hxcXg0ZG4xdFBRZlNKUnI2S2tB?oc=5) · CandysDirt.com
- 2025-12-25 [Texas - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNM0d4d05XbEdGSjR0YTRMN3p0UjQ2Mi1HUUhTUmpqZGtmcG1yOHFOUE1RQmRLQUF6M3NPZzhCcS1LMUZpWUE4ZE1ZMGViYldKOEtGZzFWek9PTURXcmkxQW9ZY3ZuSFQwNzcxYjBFaWhkclJlRk1SYUlhQmVRdlY2ZkowM0ZpVHdoXzhV?oc=5) · Newsweek Rankings
- 2025-10-20 [8 DFW Nonprofits Receive $271K in FHLB Grants to Boost Housing, Education, and Economic Mobility - Dallas Innovates](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQUE5FWWkyemlGdGpHcmx1VTNuYTEzNUdHSzhoX0FuZFdBTmNTemtPWk5RQ1Y3VHJ2SkQzSTVSN2k2c1c2dWt0Nm9KV0VhMElhRENzWWhLY2dzSlhJVTItUTN3VDdmcC1aR25LLVp6QWFYcEpKblJEMWJoRkkxX2tBb3pwdm9FR1k1endPb2NrN2tPVDlOS1NxR3k3QmZFbVZhTGljSlB2V0pSZjFCYUFoNV9rRDh6d2U0?oc=5) · Dallas Innovates
- 2019-04-29 [Noto named executive vp of Inwood National Bank - The Business Press](https://news.google.com/rss/articles/CBMijwFBVV95cUxNUlRvZjlQbFZVd1hqWVY3Z25YNng2cGVGMms5bmhaYjlIWlR6UGlYc3psSThXcGZLME1QSzQwT2o2YjZhUGpJMDJwcUpPbFJNdGlNNGM1TllpbmdzbFg3RjkyaG1Za3l1UmZxdjBLdlBzc1pXNGpPU2FBSzJhMmd5WFlqdjlDaHVqOW5MaE1jaw?oc=5) · The Business Press
- 2019-07-30 [Inwood National Bank Review - SmartAsset](https://news.google.com/rss/articles/CBMihAFBVV95cUxPeUwzcGJPQ2xXVndPRjg1ckxmdDlwM1RMTzZ6ZW51bkxzV3N0NTVWUnR4ano5QndtSGVsd0V0ZWRxNHdabkdiWkRPZHJDMm5mclV0cUp0dWhSaDZoN0I1Zk9ZbnRUY2s3bjVJd0hSNWVBNjRVVlR6R1RMUjRKRk5OZXNvN1Q?oc=5) · SmartAsset
- 2026-09-05 [The Federal Home Loan Bank of Dallas and Members Award $754K to Texas Community Organizations - The Gilmer Mirror](https://news.google.com/rss/articles/CBMizgFBVV95cUxQUzhGWjdsZFJSUHlHcklkYTVkRi1XdkJqekNSTHhaOURwUm5nN2VrbTZQLTdjUEQtODYtQk1zeEZhS3hBUThhcGNSd0owSFVrRnBOaHNoWTJMaFNWNlZYUTIxS1paRUhLRFdjdGxJWXlhalJncXVBRDBybjA0YVplcVJEa2FicGZPV2tYWVVidUNfR2t5Sm1LLTdzZ2lnbkltSE5HTXc3V1R6Zno3bjRTSV9wQ1VhYTQ0Y0FzNVZGdDg0SmNRMDBrRlkwby1Mdw?oc=5) · The Gilmer Mirror
- 2026-04-09 [Goodwill North Central Texas announces 2026 board of directors - Fort Worth Report](https://news.google.com/rss/articles/CBMipAFBVV95cUxQMFVzVENWNG9zVV9Ba2FXY0FjOGF3WVhHdzdtSmJlQWZTVDd1eUxCS2RzTGpsRXVZY1d4QlR4eU1EVXNoVmVLWXo4MkNTUUNCcVAyVVo0N3duNElNMjVUVEh0QV9UdWlpck5obUZOMnNsRUtESW8tSWhpWWh4MEhmX0NkSUdudzdILV9PRWwyYnF4eVBJVlhkdTdhbGhmcGJoQVE0bg?oc=5) · Fort Worth Report

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19080 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/8.json (key "19080", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide