First National Bank of South Padre Island
Operating from South Padre Island, TX, First National Bank of South Padre Island serves its local market as an FDIC-insured commercial bank. The Q1 2026 balance sheet stands at $82M in assets, including $40M in loans. The bank posts a strong 2.29% ROA and 16.38% ROE. Under the simplified Community Bank Leverage Ratio framework, leverage of 14.08% exceeds the 9% CBLR threshold. Credit metrics are in line with industry norms — 1.27% NPL ratio. 2 branches make up the footprint.
Headquarters Profile
- Address
- 709 Park Road 100, SOUTH PADRE ISLAND, TX 78597
- County
- Cameron
- Metro Area
- BROWNSVILLE-HARLINGEN, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- Fed District
- 13
- Established
- December 20, 1983
- Branches
- 2 domestic
- Employees (FTE)
- 14
- FDIC Cert
- 24902
- Fed RSSD
- 346566
- Website
- http://www.fnbspi.com →
- Parent Holding Company
- LAGUNA MADRE DELAWARE BANCSHARES, INC. (RSSD 2524229)
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First National Bank of South Padre Island rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
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Frequently asked about First National Bank of South Padre Island
What are First National Bank of South Padre Island's total assets?
As of the Q1 2026 filing, First National Bank of South Padre Island reported total assets of $81.7 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First National Bank of South Padre Island headquartered?
First National Bank of South Padre Island is headquartered in SOUTH PADRE ISLAND, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First National Bank of South Padre Island founded?
First National Bank of South Padre Island was established in 1983, per the FDIC institution directory.
Is First National Bank of South Padre Island FDIC-insured?
Yes. First National Bank of South Padre Island is an FDIC-insured commercial bank (FDIC Certificate #24902). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank of South Padre Island?
First National Bank of South Padre Island's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does First National Bank of South Padre Island operate?
First National Bank of South Padre Island operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First National Bank of South Padre Island's Texas Ratio?
First National Bank of South Padre Island's Texas Ratio is 4.32% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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