Erythrodiplax umbrata is sometimes also called Band-winged Dragonlet.
It is a medium sized dragonfly which occurs in the U.S. mainly in Texas and South Florida.
Males are quite distinct, with a black body and prominent wide black bands across each wing at midlength. Please see here.
Females and young males are yellowish to tan to khaki color with a brown thorax brown and a vivid white midline. 
There are dark brown markings on each side of the abdomen, becoming larger to the rear and finally almost covering S8-S9. 
Terminal appendages (cerci) in both sexes are whitish.
A minority of mature females look like males, with black bodies and wing bands, but most females lack the black bands on the wings and just get darker and duller as they age. 
In young males the wing bands are visible as brown washes which darken slowly with age.

1st photo: A female. Bird Rookery Swamp, Naples, Florida, USA, 21 November 2012
2nd photo: A female. Fort Myers Beach, Florida, USA, 22 November 2012
3rd photo: A female. John Pennekamp Coral Reef State Park, Key Largo, Florida, USA, 25 November 2012
4th & 5th photo: A female. Crews Lake Wilderness Park, Spring Hill, Florida, USA, 30 March 2022