Bank Comparison
First National Bank of South Padre Island vs Associated Trust Company, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 9
winning metrics across 14 comparable rows
Capital adequacy
| Metric | First National Bank of South Padre Island | Associated Trust Company, N.A. |
|---|---|---|
| CET1 Ratio | — | 176.11% |
| Tier 1 Capital Ratio | — | 176.11% |
| Total Capital Ratio | — | 176.11% |
| Tier 1 Leverage Ratio | 14.08% | 72.95% |
| Equity / Assets | 13.61% | 82.02% |
Profitability
| Metric | First National Bank of South Padre Island | Associated Trust Company, N.A. |
|---|---|---|
| Return on Assets (ROA) | 2.29% | 27.40% |
| Return on Equity (ROE) | 16.38% | 35.21% |
| Net Interest Margin (NIM) | 5.10% | 3.63% |
| Yield on Earning Assets | 5.67% | 3.63% |
| Cost of Funds | 0.62% | — |
Asset quality
| Metric | First National Bank of South Padre Island | Associated Trust Company, N.A. |
|---|---|---|
| Texas Ratio | 4.32% | 0.00% |
| Non-Performing Loan Ratio | 1.27% | — |
| Non-Performing Asset Ratio | 0.62% | 0.00% |
| Net Charge-Off Ratio | 0.00% | — |
| ACL / Loans | 1.48% | — |
Balance sheet
| Metric | First National Bank of South Padre Island | Associated Trust Company, N.A. |
|---|---|---|
| Total Assets | $81,747K | $81,491K |
| Total Deposits | $70,501K | $0 |
| Total Loans | $39,799K | $0 |
| Total Equity | $11,125K | $66,839K |
| Net Income (quarter) | $448 | $5,952K |
Liquidity & funding
| Metric | First National Bank of South Padre Island | Associated Trust Company, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 56.45% | — |
| Core Deposit Ratio | 93.87% | — |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of South Padre Island | Associated Trust Company, N.A. |
|---|---|---|
| Headquarters City | SOUTH PADRE ISLAND | MILWAUKEE |
| Headquarters State | TX | WI |
| Asset Tier | Micro | Micro |
| Charter Class | 18063 | — |
| Regulator | OCC | — |
| Domestic Branches | 2 | — |
| Employees (FTE) | 14 | 273 |
| Established | Dec. 20, 1983, midnight | — |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full First National Bank of South Padre Island profile | View full Associated Trust Company, N.A. profile | Browse all bank comparisons