Woodforest National Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Woodforest National Bank (FDIC Cert #23220) at 54/100 for bank stress — a moderate level of financial pressure. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

Its footprint is sprawling and nationally dispersed: 7,572 ZIP codes in 409 counties over 17 states. Its heaviest exposure sits in Ohio (50 counties), North Carolina (49 counties), Texas (48 counties), Virginia (36 counties). A moderate score on a footprint this size means the markets Woodforest National Bank touches inherit a corresponding share of that lending pressure. The recent trend is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. Because Woodforest National Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 54/100 reading stays current and directly comparable — a like-for-like number across 17 states and against any other institution. DLRadar does not model Woodforest National Bank in isolation: the 7,572-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 409 counties, so a shift in the bank's moderate posture can be read directly against on-the-ground distress. Its lending reaches counties such as Cook County, IL, Harris County, TX, Allegheny County, PA, Dallas County, TX, each tied back to DLRadar's distress signals. Woodforest National Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. Because Woodforest National Bank is held under Woodforest Finl Group Employee Stk Ownership Plan With 401 K Provisions Amended&Restated Eff 01 01 21, its financials are open to scrutiny and its trend can be independently checked.

For buyers, lender stress is an early map of supply: when Woodforest National Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. It is an early-warning read, flagging distress before it reaches the MLS.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. The result is an early, auditable read on supply, every figure anchored to public data.