🏦Bank Scorer

WOODFOREST NATIONAL BANK

THE WOODLANDS, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1980FDIC #23,220
Outstanding Same

Current rating · Exam: May 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 2.04%

Institution Profile

FDIC BankFind

Address

1330 Lake Robbins Dr, THE WOODLANDS, TX

County

Montgomery County

Established

September 5, 1980

Total Assets

$9.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

May 22, 2023

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:May 2027(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$9.2B

Total Deposits

$8.3B

Net Loans

$6.0B

Net Income

$47M

ROA

2.04%

ROE

24.59%

Risk-Based Capital

12.15%

Regulatory minimum: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate25.00%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

744

Branch Deposits

$8.3B

1-Year Change

-28

5-year net change: -39 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
2019450%25.00%
2018875%0.00%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

10 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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