Side-by-side · Q2 2026 data
The First National Bank in Falfurrias 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 | The First National Bank in Falfurrias | First National Bank of South Padre Island |
|---|---|---|
| TellerScore | 79 | 84 (stronger) |
| Capital cushion | 48 | 91 (stronger) |
| Loan quality | 97 (stronger) | 59 |
| Earnings | 89 | 100 (stronger) |
| Funding & liquidity | 82 | 88 (stronger) |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 63rd | 76th |
| Total assets | $79.4M | $78.2M |
| Deposits / shares | $71.4M | $67.1M |
| Capital ratio | 9.82% | 14.13% (stronger) |
| Problem loans | 0.08% (stronger) | 1.24% |
| Net charge-offs | 0.10% | 0.00% (stronger) |
| Return on assets | 1.73% | 2.27% (stronger) |
| Loans ÷ deposits | 29.7% (stronger) | 57.2% |
| Uninsured deposits | 31.0% | 26.2% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank of South Padre Island has the higher TellerScore (84 vs 79). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank in Falfurrias leads on 2 and First National Bank of South Padre Island on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.