Side-by-side · Q2 2026 data
Citizens State Bank vs First National Bank of South Padre Island
Bank
First National Bank of South Padre Island
South Padre Island, Texas · Under $100 million in assets
Metric by metric
| Measure | Citizens State Bank | First National Bank of South Padre Island |
|---|---|---|
| TellerScore | 84 | 84 |
| Capital cushion | 100 (stronger) | 91 |
| Loan quality | 100 (stronger) | 59 |
| Earnings | 53 | 100 (stronger) |
| Funding & liquidity | 61 | 88 (stronger) |
| Problem-loan coverage | 95 (stronger) | 92 |
| Peer percentile | 76th | 76th |
| Total assets | $80.7M | $78.2M |
| Deposits / shares | $67.0M | $67.1M |
| Capital ratio | 15.98% (stronger) | 14.13% |
| Problem loans | 0.01% (stronger) | 1.24% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.82% | 2.27% (stronger) |
| Loans ÷ deposits | 99.5% | 57.2% (stronger) |
| Uninsured deposits | 14.8% (stronger) | 26.2% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 5 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 3 and First National Bank of South Padre Island on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.