Bank Comparison
State Savings Bank vs First National Bank of South Padre Island
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 9
winning metrics across 19 comparable rows
Capital adequacy
| Metric | State Savings Bank | First National Bank of South Padre Island |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 15.06% | 14.08% |
| Equity / Assets | 15.01% | 13.61% |
Profitability
| Metric | State Savings Bank | First National Bank of South Padre Island |
|---|---|---|
| Return on Assets (ROA) | 1.89% | 2.29% |
| Return on Equity (ROE) | 12.74% | 16.38% |
| Net Interest Margin (NIM) | 3.81% | 5.10% |
| Yield on Earning Assets | 6.82% | 5.67% |
| Cost of Funds | 3.54% | 0.62% |
Asset quality
| Metric | State Savings Bank | First National Bank of South Padre Island |
|---|---|---|
| Texas Ratio | 2.41% | 4.32% |
| Non-Performing Loan Ratio | 0.52% | 1.27% |
| Non-Performing Asset Ratio | 0.39% | 0.62% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.66% | 1.48% |
Balance sheet
| Metric | State Savings Bank | First National Bank of South Padre Island |
|---|---|---|
| Total Assets | $82,038K | $81,747K |
| Total Deposits | $68,442K | $70,501K |
| Total Loans | $62,140K | $39,799K |
| Total Equity | $12,318K | $11,125K |
| Net Income (quarter) | $386 | $448 |
Liquidity & funding
| Metric | State Savings Bank | First National Bank of South Padre Island |
|---|---|---|
| Loan-to-Deposit Ratio | 90.79% | 56.45% |
| Core Deposit Ratio | 76.70% | 93.87% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | State Savings Bank | First National Bank of South Padre Island |
|---|---|---|
| Headquarters City | Rake | SOUTH PADRE ISLAND |
| Headquarters State | IA | TX |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 18063 |
| Regulator | FDIC | OCC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 7 | 14 |
| Established | Jan. 15, 1914, midnight | 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.
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