Bank Comparison
First National Bank of South Padre Island vs Citizens State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 10
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First National Bank of South Padre Island | Citizens State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 14.08% | 16.45% |
| Equity / Assets | 13.61% | 16.45% |
Profitability
| Metric | First National Bank of South Padre Island | Citizens State Bank |
|---|---|---|
| Return on Assets (ROA) | 2.29% | 0.67% |
| Return on Equity (ROE) | 16.38% | 4.10% |
| Net Interest Margin (NIM) | 5.10% | 4.71% |
| Yield on Earning Assets | 5.67% | 6.55% |
| Cost of Funds | 0.62% | 2.13% |
Asset quality
| Metric | First National Bank of South Padre Island | Citizens State Bank |
|---|---|---|
| Texas Ratio | 4.32% | 2.82% |
| Non-Performing Loan Ratio | 1.27% | 0.02% |
| Non-Performing Asset Ratio | 0.62% | 0.01% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.48% | 0.97% |
Balance sheet
| Metric | First National Bank of South Padre Island | Citizens State Bank |
|---|---|---|
| Total Assets | $81,747K | $81,623K |
| Total Deposits | $70,501K | $67,683K |
| Total Loans | $39,799K | $64,822K |
| Total Equity | $11,125K | $13,428K |
| Net Income (quarter) | $448 | $137 |
Liquidity & funding
| Metric | First National Bank of South Padre Island | Citizens State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 56.45% | 95.77% |
| Core Deposit Ratio | 93.87% | 82.14% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of South Padre Island | Citizens State Bank |
|---|---|---|
| Headquarters City | SOUTH PADRE ISLAND | ANTON |
| Headquarters State | TX | TX |
| Asset Tier | Micro | Micro |
| Charter Class | 18063 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 2 | 3 |
| Employees (FTE) | 14 | 18 |
| Established | Dec. 20, 1983, midnight | June 7, 1947, 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.
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