Bank · FDIC insured
Woodforest National Bank
A $9B bank, the 178th largest of 4,207, headquartered in The Woodlands, TX, with 741 branches in 17 states. Best rates: CDs 4.25% and savings 1.00% APY.
Woodforest National Bank Carrot Score
79
Carrot Score
Higher than 49% of U.S. banks and credit unions
#66 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Woodforest National Bank
Woodforest National Bank is an employee-owned community bank with branches located across 17 states.
The bank operates nearly 740 retail branches across its network.
- Headquarters
- 1330 Lake Robbins Dr, The Woodlands, TX 77380
- FDIC certificate
- 23220 ↗
Branches
741 branches in 17 states
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Texas
213 branchesNorth Carolina
90 branchesOhio
72 branchesVirginia
48 branchesSouth Carolina
44 branchesIndiana
43 branchesAlabama
38 branchesIllinois
38 branchesPennsylvania
35 branchesMississippi
27 branchesKentucky
23 branchesLouisiana
19 branchesNew York
12 branches
Rochester area · 4
- 8047 Canandaigua New York Walmart Branch4238 Recreation Dr, Canandaigua, NY 14424Directions
- 8034 Village Of Newark New York Walmart Branch6788 Route 31 E, Newark, NY 14513Directions
- Hudson Avenue Branch1490 Hudson Ave, Rochester, NY 14621Directions
- Rochester Branch2150 Chili Ave, Rochester, NY 14624Directions
Buffalo area · 2
- 8164 Hamburg New York Walmart Branch5360 Southwestern Blvd, Hamburg, NY 14075Directions
- Ny Niagara Falls Branch1540 Military Rd, Niagara Falls, NY 14304Directions
Utica area · 2
- Herkimer Branch103 N Caroline St, Herkimer, NY 13350Directions
- 8045 Rome New York Walmart Branch5815 Rome Taberg Rd, Rome, NY 13440Directions
Batavia area · 1
- 8031 Batavia New York Walmart Branch4133 Veterans Memorial Dr, Batavia, NY 14020Directions
Jamestown area · 1
- Fredonia Branch10401 Bennett Rd, Fredonia, NY 14063Directions
Elmira area · 1
- 8032 Horseheads Branch1400 County Route 64, Horseheads, NY 14845Directions
Olean area · 1
- 8035 Olean Branch1869 Plaza Dr, Olean, NY 14760Directions
Florida
11 branchesGeorgia
11 branchesWest Virginia
9 branchesMaryland
8 branchesWalk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.35% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.93% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 2.05% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $72 | $88 | — |
- CapitalLeverage ratio9.35%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.93%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets2.05%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$72Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Woodforest National Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.