Side-by-side · Q2 2026 data
Texas Community 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 | Texas Community Bank | First National Bank of South Padre Island |
|---|---|---|
| TellerScore | 84 | 84 |
| Capital cushion | 78 | 91 (stronger) |
| Loan quality | 93 (stronger) | 59 |
| Earnings | 100 | 100 |
| Funding & liquidity | 50 | 88 (stronger) |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 95th | 76th |
| Total assets | $2.2B | $78.2M |
| Deposits / shares | $1.9B | $67.1M |
| Capital ratio | 12.78% | 14.13% (stronger) |
| Problem loans | 0.20% (stronger) | 1.24% |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 2.03% | 2.27% (stronger) |
| Loans ÷ deposits | 58.6% | 57.2% (stronger) |
| Uninsured deposits | 63.9% | 26.2% (stronger) |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.9% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Texas Community Bank leads on 1 and First National Bank of South Padre Island on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.