Total Assets
$4.5B
Total balance-sheet footings
FDIC Cert #19080 · Dallas, Texas · Est. 1964
Inwood National Bank - FDIC Bank Health Profile
A community-scale look at Inwood National Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $4.5B
- Total assets
- A
- Health grade · Excellent
- 1.23%
- Return on assets
- 15.1%
- Tier 1 capital
Data updated July 2026
The verdict
Inwood National Bank earns a PlainBankData health grade of A (95/100), with well-capitalized at 15.10% Tier 1, profitable at 1.23% ROA, efficient (47% cost ratio).
- #306
- largest of 4,313 FDIC banks by assets
- 93rd
- percentile by asset size, nationally
- 15.10%
- Tier 1 ratio - above the 10% well-capitalized line
- 59th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Inwood National Bank's 95/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Inwood National Bank's composite health score
Tier 1 Capital Ratio (15.10%) 40/40
Return on Assets (ROA) (1.23%) 20/25
Texas Ratio (2.81%) 20/20
Efficiency Ratio (47.02%) 15/15
95 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$4.0B
Customer-funded liabilities
Net Loans
$2.5B
Outstanding loan book
Net Income
$54M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Inwood National Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Inwood National Bank's score of 95/100 falls in the highlighted band.
Inwood National Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Inwood National Bank's $4.5B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.10% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.10%
Texas Ratio
2.81%
Equity Capital
$483M
Profitability metrics
Return on Assets (ROA)
59th percentile nationally
1.23%
Return on Equity (ROE)
11.60%
Efficiency Ratio
47.02%
What the numbers say about Inwood National Bank
Inwood National Bank is an FDIC-insured institution (Certificate #19080) headquartered in Dallas, Texas, established in 1964. It holds $4.5B in total assets - 306th of 4,313 FDIC-insured banks, $4.0B in customer deposits, and $2.5B in net loans. Its capital position: a Tier 1 ratio of 15.10%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 2.81% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (95 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Inwood National Bank sits in the top decile of all FDIC-insured institutions by asset size (306th of 4,313), and within Texas it ranks 21st of 350 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is First National Bank Texas, at $4.5B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$186M
Interest Income
$6M
Non-Interest Income
$52M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Inwood National Bank reports a Texas Ratio of 2.81% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.81% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Inwood National Bank (FDIC Cert #19080) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is Inwood National Bank's health grade?▼
Inwood National Bank receives a health grade of A (95/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Inwood National Bank?▼
Inwood National Bank holds $4.5B in total assets and $4.0B in deposits, ranking 306th of 4,313 FDIC-insured banks by asset size. It is headquartered in Dallas, Texas.
Is my money safe at Inwood National Bank?▼
Yes, deposits at Inwood National Bank (Certificate #19080) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Inwood National Bank's Tier 1 Capital Ratio?▼
Inwood National Bank has a Tier 1 Capital Ratio of 15.10%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Inwood National Bank?▼
Inwood National Bank has a Texas Ratio of 2.81%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Inwood National Bank?▼
Inwood National Bank has an Efficiency Ratio of 47.02%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Inwood National Bank's profile as a depositor or analyst.
- Inwood National Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Inwood National Bank against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.