Total Assets
$78M
Total balance-sheet footings
FDIC Cert #24902 · South Padre Island, Texas · Est. 1983
First National Bank of South Padre Island - FDIC Bank Health Profile
Free, sourced directly from the FDIC BankFind Suite and quarterly Call Report, capital, profitability, and safety metrics, refreshed each quarter.
- $78M
- Total assets
- C
- Health grade · Fair
- 2.44%
- Return on assets
- 0.0%
- Tier 1 capital
The verdict
First National Bank of South Padre Island earns a PlainBankData health grade of C (57/100), with 0.00% Tier 1 capital, profitable at 2.44% ROA, efficient (52% cost ratio).
- #3,922
- largest of 4,313 FDIC banks by assets
- 9th
- percentile by asset size, nationally
- 0.00%
- Tier 1 ratio - below the 10% well-capitalized line
- 96th
- percentile for profitability (ROA), nationally
Health grades are PlainBankData's interpretation of FDIC Call Report data — not official FDIC ratings. Every dollar on deposit remains FDIC-insured to $250,000 per depositor, per category, regardless of grade.
Balance sheet at a glance
Total Deposits
$67M
Customer-funded liabilities
Net Loans
$39M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Basel III capital ratios - First National Bank of South Padre Island
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
4.69%
Equity Capital
Tangible book value as a capital buffer
$11M
Profitability metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1% · 95.8th pct nationally
2.44%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
19.39%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
52.06%
What the numbers say about First National Bank of South Padre Island
First National Bank of South Padre Island is an FDIC-insured institution (Certificate #24902) headquartered in South Padre Island, Texas, established in 1983. It holds $78M in total assets — 3,922nd of 4,313 FDIC-insured banks, $67M in customer deposits, and $39M in net loans. On safety, its Tier 1 capital ratio of 0.00% is below the 10% well-capitalized threshold, and its Texas Ratio of 4.69% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (57/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Not financial advice. Health grades are PlainBankData's interpretation of regulatory filings, not official FDIC ratings or predictions. Every dollar on deposit is FDIC-insured to $250,000 per depositor, per ownership category — regardless of grade.
Income & expense breakdown
$4M
Interest Income
$82K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality — Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First National Bank of South Padre Island reports a Texas Ratio of 4.69% — comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.69% — lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
FDIC deposit insurance
First National Bank of South Padre Island is FDIC-insured (Certificate #24902). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
Top banks in Texas by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) First National Bank of South Padre Island (FDIC Cert #24902) — Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is First National Bank of South Padre Island's health grade?▼
First National Bank of South Padre Island receives a health grade of C (57/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is First National Bank of South Padre Island?▼
First National Bank of South Padre Island holds $78M in total assets and $67M in deposits, ranking 3,922nd of 4,313 FDIC-insured banks by asset size. It is headquartered in South Padre Island, Texas.
Is my money safe at First National Bank of South Padre Island?▼
Yes. First National Bank of South Padre Island is FDIC-insured (Certificate #24902). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is First National Bank of South Padre Island's Tier 1 Capital Ratio?▼
First National Bank of South Padre Island has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
What is the Texas Ratio for First National Bank of South Padre Island?▼
First National Bank of South Padre Island has a Texas Ratio of 4.69%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First National Bank of South Padre Island?▼
First National Bank of South Padre Island has an Efficiency Ratio of 52.06%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First National Bank of South Padre Island's profile as a depositor or analyst.
- First National Bank of South Padre Island's grade reflects capital, profitability, and asset quality — read the four pillars before drawing conclusions. How grades work
- Deposits are FDIC-insured to $250,000 per depositor, per category — confirm your coverage if balances are large. FDIC insurance explained
- Compare First National Bank of South Padre Island against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC BankFind Suite, Call Report FFIEC 031/041). See our methodology for the full ETL pipeline, source vintage, and column lineage.
Disclaimer: Provided for informational purposes only; not professional advice. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.