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Woodforest National Bank

IDRSSD: 412751
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 412751 held $9.2B in total assets as of 2026-03-31 (-0.8% quarter-over-quarter). Total loans stood at $6.0B (-1.4% QoQ) and total deposits at $8.3B (-1.1% QoQ).

Overall position is adequate — the composite Health Score is 49/100 (Adequate). Tier 1 / RWA stands at 10.95%, in the bottom decile of peers. Asset quality (NPL ratio) sits in the bottom quartile of peers.

1 Quarterly Anomaly Alert fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
49/100
Adequate
Active Alerts
1
0 critical, 0 warning
Total Assets
$9.2B
-0.8% QoQ
Total Loans
$6.0B
-1.4% QoQ
Total Deposits
$8.3B
-1.1% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
10.95%
9th pctile · n=148↑ better
+35 bp QoQ
CET1 / RWA
10.95%
21th pctile · n=162↑ better
+35 bp QoQ
Total RBC / RWA
12.15%
9th pctile · n=148↑ better
+37 bp QoQ
Tier 1 Leverage Ratio
10.95%
16th pctile · n=162↑ better
+35 bp QoQ

Liquidity

Cash / Assets
9.45%
81th pctile · n=162↑ better
-298 bp QoQ
Loans / Deposits
71.44%
17th pctile · n=161↓ better
-24 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
1.42%
82th pctile · n=162↓ better
+8 bp QoQ
NPA / Assets
1.01%
80th pctile · n=162↓ better
-2 bp QoQ
Texas Ratio (regulatory)
10.08%
83th pctile · n=162↓ better
-42 bp QoQ
Net Charge-Offs / Avg Loans
0.44%
82th pctile · n=162↓ better
-116 bp QoQ
ALLL Coverage of NPL
94.97%
27th pctile · n=162↑ better
-537 bp QoQ

Earnings

Net Interest Margin
4.32%
84th pctile · n=162↑ better
-5 bp QoQ
Return on Assets
2.04%
89th pctile · n=162↑ better
+94 bp QoQ
Return on Equity
24.59%
92th pctile · n=162↑ better
+1109 bp QoQ
Efficiency Ratio
73.29%
87th pctile · n=162↓ better
-536 bp QoQ
Pre-tax NOI / Avg Assets
2.04%
70th pctile · n=162↑ better
+94 bp QoQ

Funding

Brokered / Deposits
0.00%
11th pctile · n=161↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.00%
11th pctile · n=162↓ better

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
19.98%
70th pctile · n=162↑ better
+340 bp QoQ
AFS Securities / Assets
8.94%
31th pctile · n=162↑ better
+328 bp QoQ
HTM Securities / Assets
9.64%
91th pctile · n=162↑ better
+11 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 01:34:18 UTC