INWOOD NATIONAL BANK

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

Est. 1964FDIC #19,080

Outstanding Same

Current rating · Exam: August 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

Strong

ROA 1.51%

Institution Profile

FDIC BankFind

Website

www.InwoodBank.Com

Address

7621 Inwood Rd, DALLAS, TX

County

Dallas County

Established

April 9, 1964

Total Assets

$4.4B(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

August 7, 2023

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Aug 2027(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$4.4B

Total Deposits

$3.9B

Net Loans

$2.5B

Net Income

$17M

ROA

1.51%

Above avg for Community banks. Peer avg: 0.90%

ROE

13.89%

Risk-Based Capital

16.72%

Above avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

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

ROA1.51%Peer avg: 0.90%▲ Above avg

Risk-Based Capital16.72%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate4.09%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$3.7B

1-Year Change

-1

5-year net change: -2 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	220	82.73%	4.09%
2023	220	77.73%	5.45%
2022	395	77.72%	8.10%
2021	856	78.86%	8.18%
2020	1,529	78.42%	9.35%
2019	778	71.34%	10.41%
2018	605	73.55%	7.11%

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

Exam Date	Rating	Exam Type
Aug 2023	Outstanding	Large Bank
Jun 2020	Outstanding	Large Bank
Apr 2017	Satisfactory	Large Bank

6 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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