| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +5.5% | -6.9 pts |
| Deposit growth (YoY) | -2.5% | +5.1% | -7.5 pts |
| Loan growth (YoY) | -7.2% | +5.9% | -13.1 pts |
| ROA | 2.05% | 1.26% | +0.8 pts |
| ROE | 24.2% | 12.2% | +12.0 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.98B | $8.13B | $5.79B | $788.5M | $93.5M | 2.05% | 4.41% | 1.31% |
| Q1 2026 | $9.18B | $8.35B | $5.96B | $770.6M | $46.9M | 2.04% | 4.32% | 1.01% |
| Q4 2025 | $9.25B | $8.44B | $6.05B | $756.6M | $140.0M | 1.53% | 4.58% | 1.03% |
| Q3 2025 | $9.30B | $8.46B | $6.11B | $750.1M | $114.5M | 1.68% | 4.64% | 0.85% |
| Q2 2025 | $9.11B | $8.33B | $6.24B | $709.1M | $67.8M | 1.50% | 4.64% | 0.94% |
| Q1 2025 | $9.10B | $8.33B | $6.28B | $701.6M | $29.9M | 1.33% | 4.49% | 1.13% |
| Q4 2024 | $8.84B | $8.10B | $6.43B | $676.5M | $154.6M | 1.70% | 4.75% | 0.95% |
| Q3 2024 | $9.20B | $7.92B | $6.60B | $760.5M | $124.2M | 1.80% | 4.77% | 0.63% |
Loan mix (Q2 2026): real estate $2.84B · commercial $2.30B · consumer $74.0M · securities $2.11B
| Ratio | Woodforest National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.05% | 1.26% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 24.2% | 12.2% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.41% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.9% | 59.0% | 84th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Woodforest National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Woodforest National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Woodforest National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Woodforest National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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