Woodforest National Bank (FDIC #23220): Bank Stress & Real-Estate Credit Exposure

Woodforest National Bank (FDIC Cert #23220): bank stress 54/100, moderate, STABLE over 7 days; parent WOODFOREST FINL GROUP EMPLOYEE STK OWNERSHIP PLAN WITH 401 K PROVISIONS AMENDED&RESTATED EFF 01 01 21.

Woodforest National Bank (#23220) lends in 409 counties across 17 states; Woodforest National Bank (#23220) reaches 7,580 ZIP codes: Ohio 50 counties, 942 ZIPs; North Carolina 49 counties, 603 ZIPs; Texas 47 counties, 977 ZIPs; Virginia 36 counties, 300 ZIPs; Indiana 31 counties, 453 ZIPs; Illinois 30 counties, 828 ZIPs.

Woodforest National Bank (#23220) largest markets: Cook County, IL (178 branches, 178 ZIPs) (#23220), Harris County, TX (9,009 branches, 143 ZIPs) (#23220), Allegheny County, PA (238 branches, 119 ZIPs) (#23220), Dallas County, TX (950 branches, 95 ZIPs) (#23220), Westmoreland County, PA (89 branches, 89 ZIPs) (#23220), Bexar County, TX (1,248 branches, 78 ZIPs) (#23220).

Woodforest National Bank (#23220) reports $8.98 billion in total assets; Woodforest National Bank (#23220) equity $788.5 million (8.8% of Woodforest National Bank (#23220) assets); Woodforest National Bank (#23220) domestic deposits $8.13 billion; Woodforest National Bank (#23220) net income $93.5 million; Woodforest National Bank (#23220) return on assets 2.05%; Woodforest National Bank (#23220) return on equity 24.22%; Woodforest National Bank (#23220) net interest income $185.6 million; Woodforest National Bank (#23220) call report June 30, 2026.

Woodforest National Bank (#23220) noncurrent real-estate loans 0.21% of its book; Woodforest National Bank (#23220) residential 0.26%; Woodforest National Bank (#23220) net charge-offs on real estate 2.40%; Woodforest National Bank (#23220) residential charge-offs 2.92%.

Woodforest National Bank (#23220) net interest margin 4.41% against an eight-quarter Woodforest National Bank (#23220) average of 4.58% (Woodforest National Bank (#23220) compression 0.17 points); Woodforest National Bank (#23220) real-estate loans 21.0% of equity; Woodforest National Bank (#23220) non-residential real estate 292.5% of equity; Woodforest National Bank (#23220) rate-exposure score 40/100, Woodforest National Bank (#23220) fixed-rate trap 40/100; Woodforest National Bank (#23220) risk type credit driven; Woodforest National Bank (#23220) rate regime rates elevated, Woodforest National Bank (#23220) snapshot October 20, 2026.

Woodforest National Bank (#23220) stress score moved from 54.3 on June 22, 2026 to 54 on October 20, 2026; Woodforest National Bank (#23220) ranged 54 to 54.3 over 117 snapshots.

Woodforest National Bank (#23220) alerts: 35 counties; top Woodforest National Bank (#23220) alert scores: Hamilton County, TX 41 (moderate); Montgomery County, TX 36 (moderate); Tyler County, TX 35 (low); Marion County, TX 31 (low); Wilson County, TX 31 (low).