The flexural response of a three-dimensional (3D) layer-to-layer orthogonal interlocked textile composite has been investigated under quasi-static three-point bending. Fiber tow kinking on the compressive side of the flexed specimens has been found to be a strength limiting mechanism for both warp and weft panels. The digital image correlation (DIC) technique has been utilized to map the deformation and identify the matrix microcracking on the tensile side prior to the peak load in the warp direction loaded panels. It has been shown that the geometrical characteristics of textile reinforcement play a key role in the mechanical response of this class of material. A 3D local–global finite element (FE) model that reflects the textile architectures has been proposed to successfully capture the surface strain localizations in the predamage region. To analyze the kink banding event, the fiber tow is modeled as an inelastic degrading homogenized orthotropic solid in a state of plane stress based on Schapery Theory (ST). The predicted peak stress is in agreement with the tow kinking stress obtained from the 3D FE model.