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BDI
WB

Woodforest National Bank

The Woodlands, TexasFDIC Cert #23220

OCCEstablished 1980743 branches

Holding company: WOODFOREST FINL GROUP EMPLOYEE STK OWNERSHIP PLAN WITH 401 K PROVISIONS AMENDED&RESTATED EFF 01 01 21Regulator: OCC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.45%
−75.1%y/y
Peer standing37th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICP3ASSET + LNLSGR
90+ %
0.00%
−94.7%y/y
Peer standing50th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICP9ASSET + LNLSGR
Nonaccrual %
1.42%
+16.1%y/y
Peer standing12th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNAASSET + LNLSGR
Noncurrent %
1.42%
+11.4%y/y
Peer standing15th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
1.01%
−10.9%y/y
Peer standing19th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$92.5M
−10.1%y/y
Peer standing9th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.43%
−78.7%y/y
Peer standing14th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNTLNLS + LNLSGR
NCO
$6.75M
−80.0%y/y
Peer standing9th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.35%
+5.8%y/y
Percentile by value76th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNATRES + LNLSGR
30–89
$27.5M
−76.3%y/y
Peer standing21st percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICP3ASSET
90+
$173K
−95.0%y/y
Peer standing47th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICP9ASSET
Nonaccrual
$85.5M
+10.4%y/y
Peer standing6th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNAASSET