BlastPoint

BlastPoint's Banking Scorecard

Woodforest National Bank

$1B-$10B Specialty: Commercial TX FDIC cert 23220

The Woodlands, TX

743 branches across TX · NC · OH · VA · SC · IN · AL · IL · PA · MS · KY · LA · NY · FL · GA · WV · MD

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
  • Deposits -2.5% year over year ($8.1B on the books).
  • Delinquency rate 1.96%.
  • Return on assets 2.05%.
  • Efficiency ratio 72.93% vs a 59.73% peer average.
  • Loan-to-deposit ratio 71.20% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX
View $1B-$10B leaderboard (TX) →

Woodforest National Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 10.8% in tier
  • + Profitability Leader: Top 17.6% in tier
  • + Deposit Franchise: Top 65.0% in tier

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 12.6% in tier
  • - Delinquency Rate 1.09% above tier average
  • - Efficiency Ratio 13.20% above tier average
Get updates when Woodforest National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $9.0B
-1.4% YoY -2.1% QoQ
+$6.2B $2.8B
-0.6% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Top 2.3% in tier
Total Loans ? $5.8B
-7.2% YoY -3.0% QoQ
+$3.8B $2.0B
-0.3% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Top 4.0% in tier
Total Deposits ? $8.1B
-2.5% YoY -2.6% QoQ
+$5.8B $2.3B
-0.5% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Top 1.0% in tier
Return on Assets ? 2.05%
+36.1% YoY +0.4% QoQ
+0.66% 1.39%
+17.0% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Top 10.4% in tier
Net Interest Margin ? 4.41%
-4.9% YoY +2.0% QoQ
+0.54% 3.87%
+6.2% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
84%
Efficiency Ratio ? 72.93%
-0.8% YoY -0.5% QoQ
+13.20% 59.73%
-12.6% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
16%
Delinquency Rate ? 1.96%
+91.9% YoY +36.3% QoQ
+1.09% 0.87%
+11.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Bottom 9.2% in tier
Loan-to-Deposit Ratio ? 71.20%
-4.9% YoY -0.3% QoQ
-13.83% 85.04%
-0.1% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
83%
Non-Interest-Bearing Deposit Share ? 33.40%
+1.9% YoY -1.3% QoQ
+12.13% 21.27%
-1.5% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 10.2% in tier
Nonperforming Asset Ratio ? 1.31%
+39.5% YoY +30.3% QoQ
+0.64% 0.67%
+11.7% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Bottom 13.6% in tier
Tier 1 Capital Ratio ? 11.27%
+12.6% YoY +2.9% QoQ
-3.57% 14.84%
-0.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
22%
Non-Interest Income / Assets ? 2.42%
+1.8% YoY +103.5% QoQ
+1.89% 0.53%
+2.5% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
Top 2.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 33.4%
+0.6pp YoY
-0.5pp QoQ
 +12.0pp 21.4% 29.2% 22.2% 90%
Brokered Deposits n/a n/a 9.5% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 39.8%
-3.4pp YoY
-0.7pp QoQ
 +25.8pp 14.0% 14.8% 12.5% 95%
CRE 45.8%
+2.4pp YoY
+0.8pp QoQ
 -4.3pp 50.0% 48.4% 41.4% 38%
1-4 Family 3.3%
0.0pp YoY
+0.2pp QoQ
 -23.1pp 26.4% 25.8% 31.3% 4%
Consumer 1.3%
0.0pp YoY
0.0pp QoQ
 -3.4pp 4.7% 4.7% 5.0% 51%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 11.3%
+1.3pp YoY
+0.3pp QoQ
 -4.3pp 15.6% 22.7% 19.7% 13%
Leverage Ratio 9.3%
+0.6pp YoY
+0.4pp QoQ
 -2.0pp 11.3% 12.6% 12.6% 19%
Total Capital Ratio 12.5%
+1.3pp YoY
+0.4pp QoQ
 -4.2pp 16.7% 23.8% 20.8% 15%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 4,334
-150 (-3.3%) YoY
-58 (-1.3%) QoQ
 +4,020 313 186 482 100%
Assets per Employee ($) $2.1M
+2.0% YoY
-0.8% QoQ
 -$8.4M $10.5M $10.1M $8.8M 0%
Branch Count 743
-2 (-0.3%) YoY
-1 (-0.1%) QoQ
 +723 20 12 18 100%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.2% 0.3% 0.4% 14%
Nonaccrual 2.0%
+1.0pp YoY
+0.5pp QoQ
 +1.1pp 0.8% 1.0% 1.0% 92%
Allowance Coverage 0.80x
-47.5% YoY
-15.9% QoQ
 -17.91x 18.71x 18.82x 20.23x 16%
Net Charge-off Rate (YTD) 0.3%
-0.9pp YoY
-0.2pp QoQ
 0.0pp 0.3% 0.1% 0.2% 84%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 24.2%
+4.7pp YoY
-0.4pp QoQ
 +11.6pp 12.6% 13.2% 11.6% 96%
Cost of Funds (YTD) 1.0%
-0.3pp YoY
-0.1pp QoQ
 -0.9pp 1.9% 1.6% 1.7% 6%
Net Income ($, YTD) $93.5M
+37.9% YoY
— QoQ
 +$74.2M $19.2M $15.9M $40.4M 99%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Revenue Diversifier

growth
#25 of 222 • Top 10.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 2.42%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 2.05%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable

Profitability Leader

growth
#40 of 222 • Top 17.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.05%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Deposit Franchise

growth
#53 of 80 • Top 65.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 33.40%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.41%
(Tier: 3.87%, National: 3.95%)
better than tier avg
80 of 80 Mid-Market banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Concerns (1)

Capital Thin

risk
#29 of 222 • Bottom 12.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 11.27%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (8 metrics)

10
Total Deposits
size
Value: $8.13B
Peer Median: $2.32B
#10 of 885 Top 1.0% in $1B-$10B
21
Total Assets
size
Value: $8.98B
Peer Median: $2.79B
#21 of 885 Top 2.3% in $1B-$10B
21
Non-Interest Income / Assets
revenue_mix
Value: 2.42%
Peer Median: 0.53%
#21 of 885 Top 2.3% in $1B-$10B
36
Total Loans
size
Value: $5.79B
Peer Median: $1.96B
#36 of 885 Top 4.0% in $1B-$10B
91
Non-Interest-Bearing Deposit Share
funding
Value: 33.40%
Peer Median: 21.27%
#91 of 885 Top 10.2% in $1B-$10B
93
Return on Assets
profitability
Value: 2.05%
Peer Median: 1.39%
#93 of 885 Top 10.4% in $1B-$10B
142
Net Interest Margin
profitability
Value: 4.41%
Peer Median: 3.87%
#142 of 885 Top 15.9% in $1B-$10B
152
Loan-to-Deposit Ratio
liquidity
Value: 71.20%
Peer Median: 85.04%
#152 of 885 Top 17.1% in $1B-$10B

Top Weaknesses (4 metrics)

802
Delinquency Rate
credit_quality
Value: 1.96%
Peer Median: 0.87%
#802 of 882 Bottom 9.2% in $1B-$10B
766
Nonperforming Asset Ratio
credit_quality
Value: 1.31%
Peer Median: 0.67%
#766 of 885 Bottom 13.6% in $1B-$10B
742
Efficiency Ratio
profitability
Value: 72.93%
Peer Median: 59.73%
#742 of 885 Bottom 16.3% in $1B-$10B
690
Tier 1 Capital Ratio
capital
Value: 11.27%
Peer Median: 14.84%
#690 of 885 Bottom 22.1% in $1B-$10B
Powered by BlastPoint © 2026