Woodforest Cares

CRA & Community
Development

We have an award-winning and "Outstanding" CRA program that continues to challenge the status quo and elevate our communities and partners.

Outstanding CRA Program

Our Community Development Relationship Managers (CDRMs) work closely with their communities across 17 states to develop and enhance partnerships with local organizations serving low- and moderate-income (LMI) individuals and businesses. In addition, our CDRMs work closely with Woodforest Retail Banking employees to optimize the impact of their efforts in serving LMI areas in our communities.

Award-Winning InitiativesOur strategic initiatives have been recognized by financial, community, national and global organizations for our commitment to serving LMI individuals and small businesses.

The Community Reinvestment Act

All banks insured with the Federal Deposit Insurance Corporation (FDIC) are affirmatively obligated to comply with the Community Reinvestment Act of 1977 (CRA). The CRA encourages financial institutions to help meet the credit needs of communities where they are chartered, including low- and moderate-income (LMI) neighborhoods.

How We Are Evaluated
Woodforest is regulated by the Office of the Comptroller of the Currency (OCC). Roughly every three years, the OCC evaluates our CRA performance and ability to meet the credit needs of our communities. The results of these regulatory evaluations are public and known as "CRA performance evaluations". Banks who pass the evaluation may earn a "Satisfactory" or "Outstanding" rating. Very few banks earn the highest rating – Woodforest National Bank is among them.

Read Our Most Recent "Outstanding" Performance Evaluation

Our Evaluation Areas
Woodforest has designated CRA Assessment Areas (AAs), which are delineated around our retail branches. We closely monitor our AAs and make necessary adjustments to ensure ongoing compliance with the regulations.

Community Reinvestment Act Public File
Woodforest National Bank provides specific information for public inspection to any member of the public in accordance with the Community Reinvestment Act.

View Our CRA Public File

Community Development Initiatives

We strive to meet several strategic initiatives in five overarching sectors to ensure our efforts are responsive to the unique needs of each community we serve.

	Small Business Growth Activate entrepreneurial ecosystems and grow small businesses across the nation with educational programming, peer networking, and innovative products.	Learn More
	Economic Development and Revitalization Utilize the Federal Opportunity Zone (OZ) program as a catalyst for the revitalization of underserved communities.	Learn More
	Affordable Housing While not a mortgage loan originator, we focus on access to affordable housing and the promotion of homeownership as an opportunity for wealth-building.	Learn More
	Disaster Recovery Response Remain accessible to our customers and communities when disaster strikes and respond quickly to the financial challenges they face during the recovery process.	Learn More
	Financial Health Improve the financial health of our employees, customers and communities through wealth-building programs, innovative products, and education.	Learn More

Boards and Committees

We believe human capital is just as valuable (if not more) than financial capital. As such, we constantly strive to seek out opportunities to assist nonprofit organizations. During our 2015 - 2018 CRA exam period, Woodforest employees throughout our 17-state footprint served on 1,004 boards and committees for over 680 CRA-qualified organizations.

See Our Community Partners

Interested in exploring opportunities for Woodforest to serve in your organization?
Are you a Woodforest associate looking to support your community?

Contact a Community Development Relationship Manager

There's a Woodforest Near You!

Locate the branch nearest you and stop by today.

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Additional Ways We Care

Community Support

Supporting our communities through seasons of growth and need, and striving to give back in meaningful and lasting ways.

How We Give Back

Woodforest U

Resources to help you understand the banking industry and how your finances are handled.

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About Us

For over 40 years, Woodforest National Bank^® has stood as one of the strongest community banks in the nation.

Get to Know Us