Bank Comparison
First National Bank of South Padre Island vs City National Bank of San Saba, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 7
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First National Bank of South Padre Island | City National Bank of San Saba, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 14.08% | 12.58% |
| Equity / Assets | 13.61% | 11.75% |
Profitability
| Metric | First National Bank of South Padre Island | City National Bank of San Saba, the |
|---|---|---|
| Return on Assets (ROA) | 2.29% | 0.85% |
| Return on Equity (ROE) | 16.38% | 7.23% |
| Net Interest Margin (NIM) | 5.10% | 2.38% |
| Yield on Earning Assets | 5.67% | 3.49% |
| Cost of Funds | 0.62% | 1.20% |
Asset quality
| Metric | First National Bank of South Padre Island | City National Bank of San Saba, the |
|---|---|---|
| Texas Ratio | 4.32% | 0.00% |
| Non-Performing Loan Ratio | 1.27% | 0.00% |
| Non-Performing Asset Ratio | 0.62% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.48% | 3.73% |
Balance sheet
| Metric | First National Bank of South Padre Island | City National Bank of San Saba, the |
|---|---|---|
| Total Assets | $81,747K | $82,633K |
| Total Deposits | $70,501K | $72,878K |
| Total Loans | $39,799K | $8,126K |
| Total Equity | $11,125K | $9,709K |
| Net Income (quarter) | $448 | $176 |
Liquidity & funding
| Metric | First National Bank of South Padre Island | City National Bank of San Saba, the |
|---|---|---|
| Loan-to-Deposit Ratio | 56.45% | 11.15% |
| Core Deposit Ratio | 93.87% | 97.55% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of South Padre Island | City National Bank of San Saba, the |
|---|---|---|
| Headquarters City | SOUTH PADRE ISLAND | SAN SABA |
| Headquarters State | TX | TX |
| Asset Tier | Micro | Micro |
| Charter Class | 18063 | 10806 |
| Regulator | OCC | OCC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 14 | 10 |
| Established | Dec. 20, 1983, midnight | Jan. 1, 1883, 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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