BlastPoint's Banking Scorecard

Woodforest National Bank

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

The Woodlands, TX

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

884 banks in the $1B-$10B peer group nationally 80 in 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 10.9% in tier
+ Profitability Leader: Top 10.9% in tier
+ Deposit Franchise: Top 57.0% in tier

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 14.5% in tier
- Efficiency Ratio 12.23% above tier average
- Delinquency Rate 0.55% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$9.2B +0.9% YoY -0.8% QoQ	+$6.4B	$2.8B -0.1% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Top 1.6% in tier
Total Loans ?	$6.0B -5.0% YoY -1.4% QoQ	+$4.0B	$2.0B +0.6% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Top 3.7% in tier
Total Deposits ?	$8.3B +0.2% YoY -1.1% QoQ	+$6.0B	$2.3B -0.3% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Top 0.5% in tier
Return on Assets ?	2.04% +52.7% YoY +32.8% QoQ	+0.67%	1.37% +19.6% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 9.2% in tier
Net Interest Margin ?	4.32% -3.7% YoY -5.7% QoQ	+0.51%	3.82% +6.9% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	83%
Efficiency Ratio ?	73.29% -1.5% YoY -1.8% QoQ	+12.23%	61.06% -4.6% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	18%
Delinquency Rate ?	1.44% +11.5% YoY +6.2% QoQ	+0.55%	0.89% +14.1% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	17%
Loan-to-Deposit Ratio ?	71.44% -5.2% YoY -0.3% QoQ	-12.77%	84.20% +0.3% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	81%
Non-Interest-Bearing Deposit Share ?	33.86% -1.2% YoY +0.4% QoQ	+12.57%	21.29% -2.5% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 10.9% in tier
Nonperforming Asset Ratio ?	1.01% -10.9% YoY -2.0% QoQ	+0.33%	0.67% +15.6% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	20%
Tier 1 Capital Ratio ?	10.95% +10.2% YoY +3.3% QoQ	-4.21%	15.16% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	17%
Non-Interest Income / Assets ?	1.19% +2.1% YoY -74.9% QoQ	+0.93%	0.26% +1.6% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 2.4% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 221 • Top 10.9% 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: 1.19%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 2.04%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Profitability Leader

growth

#25 of 221 • Top 10.9% in tier

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

Why this signature

Return on Assets: 2.04%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Deposit Franchise

growth

#50 of 86 • Top 57.0% 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: 33.86%

(Tier: 21.29%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.32%

(Tier: 3.82%, National: 3.89%)

better than tier avg

86 of 86 Mid-Market banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (1)

Capital Thin

risk

#33 of 221 • Bottom 14.5% 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: 10.95%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | 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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (8 metrics)

Total Deposits

size

Value: $8.35B

Peer Median: $2.34B

#5 of 884 Top 0.5% in $1B-$10B

Total Assets

size

Value: $9.18B

Peer Median: $2.82B

#15 of 884 Top 1.6% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 1.19%

Peer Median: 0.26%

#22 of 884 Top 2.4% in $1B-$10B

Total Loans

size

Value: $5.96B

Peer Median: $1.96B

#34 of 884 Top 3.7% in $1B-$10B

Return on Assets

profitability

Value: 2.04%

Peer Median: 1.37%

#82 of 884 Top 9.2% in $1B-$10B

Non-Interest-Bearing Deposit Share

funding

Value: 33.86%

Peer Median: 21.29%

#97 of 884 Top 10.9% in $1B-$10B

148

Net Interest Margin

profitability

Value: 4.32%

Peer Median: 3.82%

#148 of 884 Top 16.6% in $1B-$10B

169

Loan-to-Deposit Ratio

liquidity

Value: 71.44%

Peer Median: 84.20%

#169 of 884 Top 19.0% in $1B-$10B

Top Weaknesses (4 metrics)

739

Tier 1 Capital Ratio

capital

Value: 10.95%

Peer Median: 15.16%

#739 of 884 Bottom 16.5% in $1B-$10B

734

Delinquency Rate

credit_quality

Value: 1.44%

Peer Median: 0.89%

#734 of 880 Bottom 16.7% in $1B-$10B

729

Efficiency Ratio

profitability

Value: 73.29%

Peer Median: 61.06%

#729 of 884 Bottom 17.6% in $1B-$10B

707

Nonperforming Asset Ratio

credit_quality

Value: 1.01%

Peer Median: 0.67%

#707 of 884 Bottom 20.1% in $1B-$10B