Compared with Texas
14 of 19
compared fees are above the median.
4 below, 1 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
100th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Texas median
of 19 compared; 4 below, 1 about the same
See the feesFee schedule read Oct 14, 2026
Call-report figures are for Woodforest National Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Texas median | Published fees above the Texas median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Woodforest National Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 14, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 23% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (100th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $46.3M in Q2 2026, about level with the same quarter a year earlier ($46.2M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
14 of 19 compared published fees sit above the Texas median; 4 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Texas medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $9.95, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 5.1% from Q3 2025 to Q2 2026, to $46.3M. Its share of revenue, 23%, is above the 2.2% median for banks with $1B to $10B in assets.
$46.3M
Woodforest National BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $2 to $11.95; we compare the midpoint.
Woodforest National Bank · $9B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Woodforest National Bank(this institution) | The Woodlands, TX | $9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 1st Source Bank | South Bend, IN | $9.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Amalgamated Bank | New York, NY | $9.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| American Savings Bank, National Association | Honolulu, HI | $9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| b1BANK | Baton Rouge, LA | $8.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bankers Trust Company | Des Moines, IA | $7.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Byline Bank | Chicago, IL | $9.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capitol Federal Savings Bank | Topeka, KS | $9.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| CNB Bank | Clearfield, PA | $8.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First American Bank | Elk Grove Village, IL | $8.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Security Bank | Searcy, AR | $8.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Forbright Bank | Potomac, MD | $8.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hanmi Bank | Los Angeles, CA | $8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Heritage Bank | Olympia, WA | $8.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Liberty Bank | Middletown, CT | $9.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Origin Bank | Choudrant, LA | $10.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peoples Bank | Marietta, OH | $9.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pinnacle Bank | Lincoln, NE | $9.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Principal Bank | Des Moines, IA | $9.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| RBC Bank, (Georgia) National Association | Atlanta, GA | $9.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| S&T Bank | Indiana, PA | $9.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Salem Five Cents Savings Bank | Salem, MA | $8.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southside Bank | Tyler, TX | $8.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Tompkins Community Bank | Ithaca, NY | $8.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tri Counties Bank | Chico, CA | $9.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wells Fargo National Bank West | Las Vegas, NV | $8.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 18 publish this fee(monthly maintenance)
7 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $9.95, the middle of its three prices, against a peer median of $10 among 18 publishing peers.
Its three checking prices are $2, $9.95 and $11.95.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.
Call reports for Woodforest National Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $46.3M | +$249K | +0.5% |
| Q1 2026 | $46.1M | −$2.4M | −5.0% |
| Q4 2025 | $48.5M | −$334K | −0.7% |
| Q3 2025 | $48.8M | +$2.7M | +5.8% |
| Q2 2025 | $46.2M | +$1.1M | +2.5% |
| Q1 2025 | $45.0M | −$2.3M | −4.9% |
| Q4 2024 | $47.3M | −$355K | −0.7% |
| Q3 2024 | $47.7M | −$482K | −1.0% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Woodforest National Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Woodforest National Bank by share.
Amounts from Woodforest National Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per item
per item
per transaction
per month
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Additional Account Service Charge | $2Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Monthly fee with monthly direct deposit | $9.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly fee without monthly direct deposit | $11.95Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closed within | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive Account | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Paper Statement Fee | $2Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
| Paper Statement Fee | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
| WBank Account product: The Paper Statement Fee | $2Inside the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
| Return Mail Fee | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft (OD) item fee | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Item (OD) | $32Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF item (returned unpaid) | No chargeBelow the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Account Sweep transfer fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per transaction | None |
ATM & Card | |||
| Balance Inquiry | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card International Transaction | $3Above the U.S. middle 50% ($0 to $2.38 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer: Domestic Outgoing | $35Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer: Domestic & Foreign Incoming | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Checks | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $1.50Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Collection Items | $15Inside the U.S. middle 50% ($10 to $26.13 nationally) | Not stated | None |
Account Services | |||
| Drill Box | $150Not compared: Monthly charge, not annual | per month | None |
| Safe Deposit Box 10 x 10 | $125Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 10 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 5 | $35Not compared: Monthly charge, not annual | per month | None |
| Safe Deposit Box 4 x 5 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 10 | $95Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 5 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Legal Processing | $150Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Woodforest National Bank operates, and what regulators and customers have on file.
Branch footprint
742 offices in 17 states, $8.1B in branch deposits (June 2026)
Hover a state for its branch count.
Largest markets by deposits
| 112 | $5.7B | |
| Outside a metro area | 158 | $680.8M |
| 38 | $217.6M | |
| 20 | $103.5M | |
| 23 | $97.4M | |
| 12 | $73.9M | |
| 10 | $49.6M | |
| 12 | $46.1M |
Houston-Pasadena-The Woodlands, TX
1.6% of bank deposits, #10 of 107, down 0.3 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 47.7% |
| Wells Fargo Bank, National Association | 11.5% |
| Bank of America, National Association | 6.7% |
| Zions Bancorporation, N.A. | 3.7% |
| PNC Bank, National Association | 2.9% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Houston-Pasadena-The Woodlands, TX, Woodforest National Bank holds 1.6% of bank deposits, #10 of 107, with 112 offices.
900 offices of 36 institutions shown.
Showing 900 of 1,602 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 107 institutions shown. $360.4B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 1.6% share, 112 offices, #10 of 107
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
376 offices of 105 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
3 past actions
Past
OCC, penalty $1.0M
OCC, penalty $32.0M
OCC. Ended February 15, 2012
Source: public enforcement action lists from the OCC and Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.