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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

Woodforest National Bank

The Woodlands, Texas · $8.98B in assets · beside the 11 other Texas banks between $3B and $10B

The filing

2.06%
ROA
1st of 12
1.93%
NPA / loans
11th of 12
-7.2%
Loans, year over year
10th of 12, largest first

Woodforest National Bank is the largest of the 12 Texas banks nearest its size between $3B and $10B, with $8.98B in assets at 30 June 2026. Loans are 72.3% of deposits, 6th of 12 against a median of 73.1%, and equity is 8.8% of assets, 8th of 12. Loans grew -7.2% in the year, 10th of 12, and deposits fell 2.5%; the cohort's median loan growth is +5.8%.

Noncurrent loans are 1.93% of the book, 11th of 12 against a median of 0.69%; 0.28% is 30 to 89 days past due, and the allowance covers them 0.8 times. Net charge-offs are 0.27% of loans, 10th of 12. Commercial real estate is 35.4% of loans, 5th of 12 against a median of 37.4%, and 222% of capital, below the 300% screen, with construction at 29% against the 100% screen.

Return on assets is 2.06%, the highest in the cohort against a median of 1.35%, on an efficiency ratio of 73.2%, 8th of 12. Five years ago it was 2.10%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsTX banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 1.35% WN Woodforest National Bank 2.06% BN Broadway National Bank 1.76% IB International Bank of Com 1.67% VB Vantage Bank Texas 1.64% VN Verabank National Association 1.60% CB City Bank 1.37% SB Southside Bank 1.34% TC Third Coast Bank 1.29% FN First National Bank Texas 1.17% AN American National Bank of Texas 0.66% TE Texas Exchange Bank 0.61% TB TBK Bank SSB 0.60%
Loans, year over yearTX banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +5.8% TC Third Coast Bank +33.3% CB City Bank +21.4% VB Vantage Bank Texas +14.7% TB TBK Bank SSB +10.5% SB Southside Bank +7.6% FN First National Bank Texas +6.9% AN American National Bank of Texas +4.8% IB International Bank of Com +2.7% VN Verabank National Association -1.5% WN Woodforest National Bank -7.2% BN Broadway National Bank -10.7% TE Texas Exchange Bank -23.7%

SBA 7(a), FY2008 to FY2026

Woodforest National Bank is the 186th largest 7(a) lender into Texas of 706, with $27M across 74 loans, 0.1% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 12 of its 12 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Harris, TX$15M91st of 3140.2%quiet FY2019
Montgomery, TX$8M31st of 1650.7%quiet FY2013
Bexar, TX$2M135th of 2370.1%quiet FY2008
Tarrant, TX$1M205th of 2810.0%quiet FY2011
Mercer, NJ$465K99th of 1190.1%quiet FY2011
Galveston, TX$252K101st of 1130.1%quiet FY2012
Liberty, TX$203K34th of 410.2%quiet FY2008
Fort Bend, TX$200K169th of 1800.0%quiet FY2008
Cabell, WV$114K25th of 280.2%quiet FY2008
Dallas, TX$100K305th of 3140.0%quiet FY2009
Angelina, TX$100K40th of 470.1%quiet FY2008
Kaufman, TX$80K85th of 860.0%quiet FY2009
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services26$12M43.7%0.02%514th of 2,596
Real estate & leasing7$4M15.9%0.04%349th of 1,452
Manufacturing3$4M13.2%0.01%823rd of 2,246
Administrative & waste services6$2M6.7%0.01%579th of 1,763
Other services10$1M4.3%0.00%1099th of 2,248
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Woodforest National Bank
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans WN Woodforest National Bank 0.1% $27M · 74 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Woodforest National BankRankCohort median
Total CRE against capital, the 300% screen222%7th of 12214%
Construction against capital, the 100% screen29%3rd of 1253%
Construction and land development, share of loans4.6%2nd of 1211.3%
Non-owner-occupied nonfarm nonresidential, share of loans28.9%11th of 1222.2%
Total CRE, the guidance definition, share of loans35.4%5th of 1237.4%
CRE growth over 36 months, the third prong+9.8%4th of 12+23.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Woodforest National Bank$8.98B2.1%73.2%1.93%0.27%1.5%72.3%8.8%
Southside Bank$8.76B1.3%51.1%0.19%0.02%0.9%80.2%12.4%
TBK Bank SSB$7.40B0.6%86.4%1.65%0.13%0.6%87.9%14.3%
Third Coast Bank$6.73B1.3%57.9%0.50%-0.01%1.0%92.8%12.0%
American National Bank of Texas$5.51B0.7%74.8%0.23%0.03%1.3%73.9%6.0%
Broadway National Bank$5.42B1.8%57.9%0.19%0.13%1.1%65.3%9.1%
City Bank$5.39B1.4%60.7%0.25%0.05%1.4%80.1%11.1%
Vantage Bank Texas$5.14B1.6%55.5%0.87%0.30%1.3%88.9%8.6%
First National Bank Texas$4.64B1.2%84.5%1.23%0.83%1.3%55.8%6.7%
Verabank National Association$4.58B1.6%57.9%0.96%0.10%1.2%69.6%11.4%
International Bank of Com$4.56B1.7%38.5%9.17%0.11%2.5%40.2%12.7%
Texas Exchange Bank$4.49B0.6%95.2%0.00%0.00%1.4%26.2%8.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Woodforest National BankCohort median
20212026Change20212026Change
Loans$4.97B$5.88B+18%$2.18B$3.59B+65%
Deposits$8.72B$8.13B-7%$3.27B$4.68B+43%
NPA / loans0.73%1.93%+1.19 pts0.41%0.69%+0.28 pts
Efficiency70.7%73.2%+2.5 pts66.7%59.3%-7.4 pts
ROA2.10%2.06%-0.04 pts1.51%1.35%-0.16 pts

This read was prepared for Woodforest 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 Woodforest 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 pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks $3B to $10B
Institution www.woodforest.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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