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First National Bank Of South Padre Island
South Padre Island, TX · FDIC Certificate #24902 · Chartered 12/2
Total assets
$78.24M
Total deposits
$67.13M
Total equity
$10.96M
Net loans
$38.42M
Branches (offices)
2
Net income (YTD)
$901.00K
Rank: #3,851 of 4,213 U.S. banks by assets · #322 of 346 in Texas. Assets changed -6.2% and deposits -8.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.27% |
| Return on equity | 16.46% |
| Net interest margin (YTD) | 5.15% |
| Equity to assets | 14.01% |
| Tier 1 leverage ratio | 14.13% |
| Uninsured deposits (share of deposits) | 26.2% |
| Noncurrent loans (share of loans) | 1.24% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 57.2% |
| Real estate loans (share of loans) | 93.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $35.81M | 93.2% | |
| Commercial & industrial | $2.11M | 5.5% | |
| Consumer / individual | $998.00K | 2.6% | |
| Construction & development | $8.83M | 23.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $93.53M | $86.68M | $183.00K | $6.75M |
| Jun 2023 | $81.41M | $73.56M | $870.00K | $7.60M |
| Jun 2024 | $78.20M | $69.10M | $922.00K | $8.96M |
| Jun 2025 | $83.41M | $73.25M | $963.00K | $10.03M |
| Jun 2026 | $78.24M | $67.13M | $901.00K | $10.96M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $67.13M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $67.13M.
Similar-sized banks
The First National Bank Of Ava ($78.31M) · Five Rivers Bank ($78.14M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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