# WOODFOREST NATIONAL BANK
THE WOODLANDS, TX · FDIC certificate 23220 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 4 (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 | $8.98B | |
| Deposits | $8.13B | |
| Loans and leases | $5.88B | |
| Total equity | $788.5M | |
| Loans / deposits | 71.20% (p18 of band) | 87.10% |
| Liquid assets / assets | 30.08% (p76 of band) | |
| Uninsured deposits / deposits | 28.30% (p43 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.35% (p20 of band) | 10.50% |
| Unrealized securities loss / equity | -51.94% (p2 of band) | -7.75% |
| AOCI / equity | -0.45% (p39 of band) | |
| ROA (annualized) | 2.05% (p89 of band) | 1.26% |
| Net interest margin | 4.41% (p84 of band) | 3.70% |
| Efficiency ratio | 72.93% (p84 of band) | |
| Noncurrent loans | 1.93% (p91 of band) | 0.51% |
| Net charge-offs (annualized) | 0.17% (p83 of band) | |
| Reserve coverage of noncurrent | 79.88% | |
| Real estate % of loans | 48% | |
| Construction % of loans | 34.27% (p35 of band) | |
| Auto loans | $9.2M (0.16% of loans; DQ 21.33%, NCO 0.00%) | |
| Loans to nondepository financials | $531.6M (67% of equity) (p98 of band) | |
| Deposits YoY | -2.5% | |
| Employees | 4334 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 | capital falling | reserve under noncurrent |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | expense ratio p90 |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling, NIM <2.5% | expense ratio p90 |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | expense ratio p90 |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 |  | expense ratio p90 |
| 2014-06 | 2 | expense ratio p90, construction >100% equity | capital falling, NIM <2.5% |
| 2014-09 | 1 |  | construction >100% equity |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2018-09 | 3 | charge-offs p90 | noncurrent p90 |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 | noncurrent p90 | expense ratio p90, charge-offs p90 |
| 2019-06 | 2 | charge-offs p90 | noncurrent p90 |
| 2019-09 | 2 | expense ratio p90 | reserve under noncurrent |
| 2019-12 | 1 |  | charge-offs p90 |
| 2020-03 | 3 | capital falling, loans-to-lenders >50% equity |  |
| 2020-06 | 3 | charge-offs p90 | loans-to-lenders >50% equity |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 | loans-to-lenders >50% equity | capital falling |
| 2021-03 | 2 |  | expense ratio p90 |
| 2021-06 | 2 | capital falling | charge-offs p90 |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | charge-offs p90, deposits shrinking |  |
| 2022-06 | 3 | securities losses >30% of equity, noncurrent p90 | charge-offs p90, deposits shrinking |
| 2022-09 | 6 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2022-12 | 4 |  | deposits shrinking, assets shrinking |
| 2023-03 | 4 |  |  |
| 2023-06 | 4 | uninsured deposits leaving | noncurrent p90 |
| 2023-09 | 3 |  | uninsured deposits leaving |
| 2023-12 | 4 | uninsured deposits leaving |  |
| 2024-03 | 6 | noncurrent p90, reserve under noncurrent, deposits shrinking | uninsured deposits leaving |
| 2024-06 | 3 |  | noncurrent p90, reserve under noncurrent, deposits shrinking |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 | reserve under noncurrent | charge-offs p90 |
| 2026-06 | 4 | noncurrent p90 |  |

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

- 2026-09-08 [$60K Grant from FHLB Dallas, Austin Bank and Woodforest National Bank Boosts Support for East Texas Entrepreneurs - The Gilmer Mirror](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQRGtvbmMycmVQUEdDZHVoRXU5T0M2N1ZSbVdtUHZCZFN0LTZtWFByanREdWJyV0hYcG8xZWViaElDakkwcXp3T3ZreFVHb3BscmpuSTg4RWRVQmo0TEhhUWNjYVhzRXhCVVNjTWp5c245aFpwQU85b0Y5YlBQS09pSHBPR1lyVmV3UnF2UkQ4U0NFQ0hPbWV1ZFV1eU5FX014YWxJOFBsYmlqRWtXMi1tU2N2X0tpWWpGQXVUSzNWRW9UbzVzLUFGRERIX3ExTEVwUllkYmNpaEpCN25WMm5tODAtazFxZnM?oc=5) · The Gilmer Mirror
- 2026-09-03 [Woodforest National Bank teams up with Greenlight to offer kids & teens award-winning financial education app - Woodlands Online](https://news.google.com/rss/articles/CBMia0FVX3lxTFBnYVF5cWkta1RNNzFib3BHdnUzR2hYUmNfVHI1UVUxZmJaaXhJcFdfZ3g0WFBKdUVPSHU1SnNsWWVuLVg2RUUzaXp6azM1cElybWZZaXNodU9QNUI1X0xqYzRpNm5UREJBMkk4?oc=5) · Woodlands Online
- 2026-07-16 [JULIE V. MAYRANT NAMED WOODFOREST NATIONAL BANK CHIEF EXECUTIVE OFFICER - PR Newswire](https://news.google.com/rss/articles/CBMixAFBVV95cUxONHhIbkJka2E5TnJhampHNjJwdm5Kc1poallLYzk1UndSRXRoNEhuR1lQZFVobThrOEpqclZuUTZiemM2NWt4cHIzOEhlYjNvWnFOSE83bjYwaWFhZ3JMZC1Kdk84RHdjbjlIRVQ2aDh2akRvN19IZ2MwMFVla05PVERpSE44aTFQM2lmenBTc1VFRE04T3p3alFLbUxVRDRFYXEwY3ZIRlBZV1l4YkpOcjkyRUl4Z1pNb1dyU3ZHT1NTMW9D?oc=5) · PR Newswire
- 2026-03-31 [Woodforest National Bank drops from No. 2 to No. 10 in latest JD Power retail banking survey - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNaVFvNlhmSWxNNlpJS0pFc0JsOWhRV3pXTDBTSzFnelNtZl96RjU3RzNucm04bmYwT29UN2I3ME5TUDloaGQ5cXZ1NWpXZjBzWWo2ZThQU2ZmZmxPSUZUQTQ5c1JFUWM4LWMtelRUaXBUcW51OUpjbkFVVXlzb0tXX3VvLTJGOGtvbkhpa3JrRXBkcURsNUZodWl4T1g5Ulp5aTNTSTVKaFk?oc=5) · The Business Journals
- 2026-07-30 [Woodforest National Bank names new president and CEO, Julie Mayrant - Community Impact](https://news.google.com/rss/articles/CBMiugFBVV95cUxPOXJCMGJNNDkxbDU0V1lTTk95a3M2TGR6a201VGR2R1JjTF9Yc3V0dHpIMW9jZmNFNVo2am1wVzdDOTFzcm9KZzVUSElhVHZ1RzdLZjZBS0ZuS2RQR0xWOFpqNGwxZEhiNXlUNk94VWczVmJFWTY0c0hqcTh3MGQtZ0xBNDlNREtZeXZsUzNrLW04QTV2MHF0ZnJYRWxwTU0yaGpVcElaVGk5OV8wd3Y0bm5XY0RCVHZjMlE?oc=5) · Community Impact
- 2026-07-29 [Woodforest National Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE50WDlGeTlXX0EwTzZ0a1hWVEtZQnpwWmhyZWthc3EwYmtJc09yeEZoTEZlOXBHelZMOHNGQnM5QS1XTzd0anQ3T3c1UWotQ1M4ZDJ4MjJxQnJNRWxiR3RueUJnai1xTFZwUTBJVnJCX2VsT0ZIc1VpWE1sQWc?oc=5) · reveliolabs.com
- 2026-05-14 [FHLB Dallas and Woodforest National Bank Award $150K Grant to Mexican American Unity Council - Business Wire](https://news.google.com/rss/articles/CBMi5gFBVV95cUxONkZmTUhDRjNTMTBORVRqeEJTWUl5aVlvSTVXYklsOHo3MndHNmJPQ3BEbl92a2E0ZnpIYmJ6elVaM211NEd5MWV1Q0FFMWNVTmZDeHd5TGF6REhzcGFjeVZMS0Y1UnNrRFhQRXE3MGlYSTBWVnBzZWg5VFMwTzV0Vk9jbXpNR0dIcWROSzhkcVdqaUJ2aTUwUjBEblh3M2RLU0ZXdnpWNl9CanE5VlVzamEzM200aXAwd1J2WXpaQ2hyREJSc2V3ZWdXWm1aTkFfNUJyM1BudnlBWVNxbG40M1JzOHEwUQ?oc=5) · Business Wire
- 2025-12-17 [ServisFirst aims to put down Texas roots - Banking Dive](https://news.google.com/rss/articles/CBMiswFBVV95cUxQcnJ2cF9tVloxVmxnd0tDZVFWdEY2eDE3UU9DeC1GZVJXZjUta2xRR1VYMUNfVGUwdHBHNzVFdUsxaWN5bHZseTNFQ2R5elpUWkhwUl9PXzRqWVJqd0d3YndVMjJiT0xzX1lLdmZDdTlSTks5LTJaam00bXdkLTVZNVlwNlFKVEV0OVJ6ei1vMWhfRnBPSm9nUlRIX2l4NG00SjUtVTV4a2NvTmRzZ1ZNWHE2UQ?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23220 (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/52.json (key "23220", 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