# WOODFOREST BANK
REFUGIO, TX · FDIC certificate 31123 · asset band <$300M · latest filing 2011-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $171.1M | |
| Deposits | $119.7M | |
| Loans and leases | $82.6M | |
| Total equity | $16.5M | |
| Loans / deposits | 68.28% (p44 of band) | 70.88% |
| Liquid assets / assets | 42.44% (p69 of band) | |
| Uninsured deposits / deposits | 0.00% (p1 of band) | 7.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 15.78% (p91 of band) | |
| FHLB advances / assets | 15.78% | |
| Tier 1 leverage | 8.34% (p22 of band) | 9.71% |
| Unrealized securities loss / equity | -6.75% (p6 of band) | 0.79% |
| AOCI / equity | 0.03% (p50 of band) | |
| ROA (annualized) | 0.43% (p36 of band) | 0.66% |
| Net interest margin | 3.02% (p13 of band) | 3.79% |
| Efficiency ratio | 99.03% (p88 of band) | |
| Noncurrent loans | 0.03% (p11 of band) | 1.53% |
| Net charge-offs (annualized) | 0.01% (p44 of band) | |
| Reserve coverage of noncurrent | 4009.52% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 11.69% (p39 of band) | |
| Auto loans | $35,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | – | |
| Employees | 788 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |

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

- 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
- 2025-12-02 [Texas bank closes uptown commercial banking hub amid Southeast pullback - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxPdFg1WXlId2R1alpfWHBmSmdVT1MyWXN5eWhiUHNZUHlWVFZpYnNlaTB1VXFQdE96SnZtOXFSa1ZlZjU3eVJDLWluR0pIdzBwZ0x4MEJ2MHZPelBTbExVUkNhWmhodm41UVhGTnlPeDd0V3Fqc2VvSnJjVUNIcmh5cW80ZGFOYWJ1RTFmUWp1VjlMTElZbkhmaC1nY2w4R1VHeTlMamV0b1pCZ0Fs?oc=5) · The Business Journals
- 2020-11-05 [Woodforest National Bank Continues Branch Expansion Across Texas - PR Newswire](https://news.google.com/rss/articles/CBMivAFBVV95cUxPR3FYZlpsRHhsSmhJZzBFVGtOV0NqaW45NGRnRkthaEFRX0YyaElUZ1dyQ0Nqal8tMlVoR0pUdlF6cXlrdVZTcDlFLUMzSUw4OTRfaURkRHlrXzU5dDZLd2xBUTM2VFhoeVpuZkJaVE9Da1Z4Qm45MS1EZHNTbGxWTTZHeTBTaUxMZG83NnQ1bEExY1ZYTnlxWVFOeEp2RTNmYndiRjRqVTdjNG9nRHRDOE9fejF2MW9KU2ctdw?oc=5) · PR Newswire
- 2023-05-03 [Savana takes on Woodforest National Bank integration - Banking Dive](https://news.google.com/rss/articles/CBMisAFBVV95cUxPcW5HZl9yNzV2d3ktdG0zRmI4NTlYejk4MTF3LV9UX2RLcGVBbTRKdGNNWnp2Y3FBakhZODBjRUxTWXQ1akNzOXdHVmxDSVFTUGtRUGJfUzlsdzhrNk0xRGVIcWFkWGNoNEhEN0FQZWdOQ1h2aVdYQ2RaS2VQeGlMV3VmWVMzQTlqNlh6Z29GT1QwTllYTjQ3YWw2THNJSmVFRkxRclh4dV9VT013UWhlMg?oc=5) · Banking Dive
- 2024-01-01 [Woodforest Bank locates at HEB's Mason Road store - coveringkaty.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxNN09Lcld4QnpsVjFEWFBRMFAxbDlHcDVzX0dSUFg4Mk9EVDc5UG11bW5qSDdUVHN4ZHFUME9VWjJTcVR1bmtxSjVvSm5rQkNhc2pHenRpV0ViaXhnNjg1MW5GU0IzVzNpX1JvQk5oTC1CUEVfcVA0SDdScmVrWExYTTkyWDlNQQ?oc=5) · coveringkaty.com
- 2021-12-14 [Woodforest Bank Community Terrace at new patient South Tower at Memorial Hermann The Woodlands to open June 2022 - Hello Woodlands](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPZ3ZocUo5ek9UUk9DWWVacXNvdVgtV2x5SDg0MVd2S2hUd3Ewa0xGbklTN1EzTjB1V25hbXNDZElVTE11Y0x4aS11SFE1SHgwQkpFb2RHTDlGTW1EQnRTaWUya1ZNODZYYkVWZlh3cTl0THZzQWhaSjkyemczaWsyc0lQMk5vOVh6eVhWM01DeFRBUHVZZmlTSVR5UVIxcnoyY3gxQzlQMGdScTg?oc=5) · Hello Woodlands
- 2024-01-09 [Woodforest National Bank now operating from Katy-area H-E-B | Katy - Fulshear - Community Impact](https://news.google.com/rss/articles/CBMirAFBVV95cUxPcHFHVHJCUnh1Mk1hbW5ENXZuaEgwTjlWdHpLUnVOVDBKb3BpbUUzUURFdUhwRDg1Q1NmRktXdzR1ZUhBalhaT1R1QzZ1QW9qR2dhRE9Ba0NoX25nSWVnc0ZZS21tUkNqdHpQOTdqSC00RGFkaFlmanF6QjJSaEY5R3dJVnJvV0JGWVItcmpMYzNndnB4blJhUUtrNHhCOEdPVlBOUWp3QW1pdUxo?oc=5) · Community Impact
- 2023-01-06 [Astros Championship Trophy Tour Presented by Woodforest National Bank Kicks Off Friday, Jan. 6 - mlb.com](https://news.google.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?oc=5) · mlb.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31123 (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/19.json (key "31123", 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