TellerScore

Headquartered in South Padre Island, Texas, First National Bank of South Padre Island is a national bank with $78.2M in total assets and $67.1M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1983.

First National Bank of South Padre Island has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 76% of its 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 59th. Earnings contributes the most (100/100, 2.27%); loan quality contributes the least (59/100, 1.24%).

TellerScore · Q2 2026

Scorecard

Capital cushion91/100
Tier 1 leverage ratio: 14.13%
Loan quality59/100
Noncurrent loans ÷ total loans: 1.24%
Earnings100/100
Return on assets (annualized): 2.27%
Funding & liquidity88/100
Loans ÷ deposits and uninsured-deposit share: 57.2% · 26.2% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.20%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 9 points (75 → 84), mostly because the capital cushion component improved by 18 points.

TellerScore
687684Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202471
Q4 202473
Q1 202574
Q2 202575
Q3 202578
Q4 202580
Q1 202683
Q2 202684
Tier 1 leverage ratio
5.00%9.57%14.13%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.17%
Q3 202412.16%
Q4 202412.29%
Q1 202512.54%
Q2 202512.33%
Q3 202512.99%
Q4 202513.20%
Q1 202614.08%
Q2 202614.13%
Noncurrent loans
1.24%1.66%2.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.08%
Q3 20242.04%
Q4 20241.87%
Q1 20251.75%
Q2 20251.57%
Q3 20251.45%
Q4 20251.36%
Q1 20261.27%
Q2 20261.24%
Return on assets
2.23%2.33%2.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.26%
Q3 20242.23%
Q4 20242.24%
Q1 20252.32%
Q2 20252.37%
Q3 20252.40%
Q4 20252.44%
Q1 20262.25%
Q2 20262.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$78.2M14.13%1.24%2.27%57.2%
Q1 202683$81.7M14.08%1.27%2.25%55.6%
Q4 202580$77.8M13.20%1.36%2.44%57.6%
Q3 202578$83.9M12.99%1.45%2.40%50.4%
Q2 202575$83.4M12.33%1.57%2.37%47.9%
Q1 202574$82.7M12.54%1.75%2.32%44.9%
Q4 202473$77.3M12.29%1.87%2.24%46.5%
Q3 202471$79.1M12.16%2.04%2.23%42.6%
Q2 202468$78.2M11.17%2.08%2.26%43.0%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.13%
63rd
Total risk-based capital0.00%
27th
Problem loans1.24%
30th
Net charge-offs0.00%
58th
Return on assets2.27%
92nd
Net interest margin5.15%
91st
Efficiency ratio54.0%
85th
Loans to deposits57.2%
63rd
Uninsured deposits26.2%
17th
Loan-loss reserves1.53%
70th
Texas ratio4.2%
37th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Pavillion BankBank Richardson, TX84 out of 100, Strong$78.4M15.5%0.00%vs
Citizens National Bank of CrosbytonBank Crosbyton, TX98 out of 100, Very strong$77.6M16.8%0.00%vs
Zavala County BankBank Crystal City, TX93 out of 100, Very strong$79.0M15.7%0.03%vs
The First National Bank in FalfurriasBank Falfurrias, TX79 out of 100, Strong$79.4M9.8%0.08%vs
The City National Bank of San SabaBank San Saba, TX81 out of 100, Strong$80.0M12.0%0.00%vs
Citizens State BankBank Anton, TX84 out of 100, Strong$80.7M16.0%0.01%vs

Deposit insurance

Is my money safe at First National Bank of South Padre Island?

Yes. First National Bank of South Padre Island is an FDIC-insured institution (FDIC certificate #24902). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.2% of deposits ($17.6M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.13%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

First National Bank of South Padre Island lists 2 offices in 2 cities. Most locations:

  • Port Isabel, TX (1)
  • South Padre Island, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
First National Bank of South Padre Island
Type
National bank
FDIC certificate #
24902
RSSD ID
346566
Primary regulator
OCC
Holding company
Laguna Madre Bancshares Inc
Established
December 20, 1983
Headquarters
709 Park Road 100, South Padre Island, TX 78597
Employees
12

Quick answers

First National Bank of South Padre Island: common questions

Is First National Bank of South Padre Island FDIC insured?

Yes. First National Bank of South Padre Island is an FDIC-insured institution (FDIC certificate #24902). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Bank of South Padre Island's TellerScore?

84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First National Bank of South Padre Island ever failed?

There is no failure record for FDIC certificate #24902 in the FDIC failed bank list.

How many branches does First National Bank of South Padre Island have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near South Padre Island

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of South TexasBank Mcallen, TX86 out of 100, Very strong$174.5M16.6%0.23%vs
Falcon International BankBank Laredo, TX85 out of 100, Very strong$2.2B13.4%0.00%vs
Texas Community BankBank Laredo, TX84 out of 100, Strong$2.2B12.8%0.20%vs
Brownsville City Employees Federal Credit UnionCredit union Brownsville, TX83 out of 100, Strong$6.9M31.9%0.40%vs
First Community BankBank San Benito, TX81 out of 100, Strong$794.4M10.4%0.01%vs
Rally Credit UnionCredit union Corpus Christi, TX76 out of 100, Strong$4.8B14.0%0.75%vs