Inwood National Bank
Dallas, Texas · $4.26B in assets · beside the 11 other Texas banks between $3B and $10B
The filing
Inwood National Bank is the seventh largest of the 12 Texas banks nearest its size between $3B and $10B, with $4.26B in assets at 30 June 2026. Loans are 67.7% of deposits, 6th of 12 against a median of 68.7%, and equity is 11.6% of assets, 7th of 12. Loans grew +1.7% in the year, 8th of 12, and deposits fell 0.4%; the cohort's median loan growth is +3.4%.
Noncurrent loans are 0.37% of the book, 3rd of 12 against a median of 0.91%; 0.00% is 30 to 89 days past due, and the allowance covers them 2.4 times. Net charge-offs are 0.41% of loans, 11th of 12. Commercial real estate is 64.0% of loans, 11th of 12 against a median of 44.7%, and 325% of capital, above the 300% screen, with construction at 57% against the 100% screen.
Return on assets is 1.59%, 7th of 12 against a median of 1.60%, on an efficiency ratio of 38.2%, 2nd of 12. Five years ago it was 1.74%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 16.2% of loans).
Commercial real estate against capital
| Inwood National Bank | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 325% | 11th of 12 | 186% |
| Construction against capital, the 100% screen | 57% | 6th of 12 | 57% |
| Construction and land development, share of loans | 11.3% | 6th of 12 | 12.2% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 48.8% | 12th of 12 | 24.6% |
| Total CRE, the guidance definition, share of loans | 64.0% | 11th of 12 | 44.7% |
| CRE growth over 36 months, the third prong | +5.8% | 4th of 12 | +22.9% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $5.14B | 1.6% | 55.5% | 0.87% | 0.30% | 1.3% | 88.9% | 8.6% | |
| $4.64B | 1.2% | 84.5% | 1.23% | 0.83% | 1.3% | 55.8% | 6.7% | |
| $4.58B | 1.6% | 57.9% | 0.96% | 0.10% | 1.2% | 69.6% | 11.4% | |
| $4.56B | 1.7% | 38.5% | 9.17% | 0.11% | 2.5% | 40.2% | 12.7% | |
| $4.49B | 0.6% | 95.2% | 0.00% | 0.00% | 1.4% | 26.2% | 8.2% | |
| $4.34B | 1.6% | 54.7% | 0.61% | 0.01% | 1.2% | 91.5% | 12.9% | |
| $4.26B | 1.6% | 38.2% | 0.37% | 0.41% | 0.9% | 67.7% | 11.6% | |
| $3.67B | 0.1% | 89.0% | 3.62% | 0.07% | 0.6% | 110.0% | 10.8% | |
| $3.33B | 2.1% | 51.3% | 0.60% | 0.05% | 1.5% | 89.3% | 15.1% | |
| $3.28B | 1.4% | 63.1% | 1.06% | 0.02% | 1.2% | 61.5% | 11.7% | |
| $3.28B | 2.3% | 47.0% | 0.00% | -0.01% | 1.0% | 88.6% | 11.7% | |
| $3.16B | 4.2% | 20.6% | 25.76% | -4.13% | 1.5% | 49.8% | 31.5% |
| Inwood National Bank | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $1.98B | $2.48B | +25% | $1.44B | $2.49B | +73% |
| Deposits | $3.44B | $3.66B | +6% | $2.37B | $3.27B | +38% |
| NPA / loans | 0.03% | 0.37% | +0.34 pts | 0.46% | 0.91% | +0.46 pts |
| Efficiency | 41.0% | 38.2% | -2.9 pts | 56.3% | 55.1% | -1.3 pts |
| ROA | 1.74% | 1.59% | -0.14 pts | 1.41% | 1.60% | +0.19 pts |
This read was prepared for Inwood National Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.
The full pack on Inwood National Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 7 September 2026
Filing 30 June 2026
Cohort TX banks $3B to $10B
Institution www.InwoodBank.Com
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