BlastPoint's Banking Scorecard
Woodforest National Bank
Mid-Market
Specialty: Commercial
TX
FDIC cert 23220
The Woodlands, TX
201
banks in Mid-Market tier nationally
14 in TX
View Mid-Market leaderboard (TX) →
Woodforest National Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 15% in Mid-Market
- + Deposit Franchise: Top 43% in Mid-Market
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50% in Mid-Market
- - Efficiency Ratio 18.01% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$9.2B
+4.6% YoY
-0.6% QoQ
|
-$1.2B |
$10.5B
+2.9% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$6.1B
-5.9% YoY
-1.0% QoQ
|
-$1.1B |
$7.1B
+4.5% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$8.4B
+4.2% YoY
-0.2% QoQ
|
-$98.5M |
$8.5B
+3.0% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
1.53%
-9.5% YoY
-8.7% QoQ
|
+0.37% |
1.16%
+9.4% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
76% |
| Net Interest Margin ? |
4.58%
-3.6% YoY
-1.3% QoQ
|
+1.19% |
3.40%
+7.9% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
74.62%
+1.3% YoY
+1.8% QoQ
|
+18.01% |
56.60%
-3.2% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
1.35%
+41.0% YoY
+16.2% QoQ
|
+0.67% |
0.68%
+12.0% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
71.68%
-9.7% YoY
-0.8% QoQ
|
-13.79% |
85.47%
+1.1% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
33.72%
-2.5% YoY
+3.8% QoQ
|
+13.08% |
20.64%
-0.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
1.03%
+8.8% YoY
+20.8% QoQ
|
+0.53% |
0.50%
+7.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 15% in tier |
| Tier 1 Capital Ratio ? |
10.60%
+7.1% YoY
+1.3% QoQ
|
-2.95% |
13.55%
+1.8% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Bottom 11% in tier |
| Non-Interest Income / Assets ? |
4.73%
-1.4% YoY
+35.0% QoQ
|
+3.77% |
0.96%
+7.1% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#8 of 49 · Top 15% in Mid-Market
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
4.73%
(Tier: 0.96%, National: 0.65%)
Return on Assets:
1.53%
(Tier: 1.16%, National: 1.12%)
49 of 49 Mid-Market banks match
·
441 nationally
→ Stable
+4 banks QoQ
Deposit Franchise
growth
#10 of 22 · Top 43% in Mid-Market
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:
33.72%
(Tier: 20.64%, National: 21.79%)
Net Interest Margin:
4.58%
(Tier: 3.40%, National: 3.75%)
22 of 22 Mid-Market banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank declining
Concerns (2)
Margin Compression
decline
#10 of 19 · Bottom 50% in Mid-Market
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.53%
(Tier: 1.16%, National: 1.12%)
19 of 19 Mid-Market banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Bottom 8%
in Mid-Market
Why this stands out
Current:
74.62%
(Tier avg: 56.60%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Non-Interest Income / Assets
Current: 4.73% · Tier avg: 0.96%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 33.72% · Tier avg: 20.64%
92
92th pctile
Net Interest Margin
Current: 4.58% · Tier avg: 3.40%
83
83th pctile
Loan-to-Deposit Ratio
Current: 71.68% · Tier avg: 85.47%
76
76th pctile
Return on Assets
Current: 1.53% · Tier avg: 1.16%
67
67th pctile
Total Deposits
Current: $8.4B · Tier avg: $8.5B
58
58th pctile
Total Assets
Current: $9.2B · Tier avg: $10.5B
51
51th pctile
Total Loans
Current: $6.1B · Tier avg: $7.1B
15
15th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.50%
14
14th pctile
Delinquency Rate
Current: 1.35% · Tier avg: 0.68%
11
11th pctile
Tier 1 Capital Ratio
Current: 10.60% · Tier avg: 13.55%
8
8th pctile
Efficiency Ratio
Current: 74.62% · Tier avg: 56.60%
Top Weaknesses
8
8th pctile
Efficiency Ratio
Current: 74.62% · Tier avg: 56.60%
11
11th pctile
Tier 1 Capital Ratio
Current: 10.60% · Tier avg: 13.55%
14
14th pctile
Delinquency Rate
Current: 1.35% · Tier avg: 0.68%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.50%
51
51th pctile
Total Loans
Current: $6.1B · Tier avg: $7.1B
58
58th pctile
Total Assets
Current: $9.2B · Tier avg: $10.5B
67
67th pctile
Total Deposits
Current: $8.4B · Tier avg: $8.5B
76
76th pctile
Return on Assets
Current: 1.53% · Tier avg: 1.16%
83
83th pctile
Loan-to-Deposit Ratio
Current: 71.68% · Tier avg: 85.47%
92
92th pctile
Net Interest Margin
Current: 4.58% · Tier avg: 3.40%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 33.72% · Tier avg: 20.64%
98
98th pctile
Non-Interest Income / Assets
Current: 4.73% · Tier avg: 0.96%