Side-by-side · Q2 2026 data
First National Bank of South Padre Island vs Bank of South Texas
Bank
First National Bank of South Padre Island
South Padre Island, Texas · Under $100 million in assets
Metric by metric
| Measure | First National Bank of South Padre Island | Bank of South Texas |
|---|---|---|
| TellerScore | 84 | 86 (stronger) |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 59 | 92 (stronger) |
| Earnings | 100 (stronger) | 64 |
| Funding & liquidity | 88 (stronger) | 67 |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 76th | 90th |
| Total assets | $78.2M | $174.5M |
| Deposits / shares | $67.1M | $141.1M |
| Capital ratio | 14.13% | 16.63% (stronger) |
| Problem loans | 1.24% | 0.23% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 2.27% (stronger) | 1.10% |
| Loans ÷ deposits | 57.2% (stronger) | 88.2% |
| Uninsured deposits | 26.2% | 19.7% (stronger) |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of South Texas has the higher TellerScore (86 vs 84). On the 6 directional measures above (where higher or lower is clearly better), First National Bank of South Padre Island leads on 2 and Bank of South Texas on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.