First National Bank of South Padre Island
Also written as FNB of South Padre Island
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of South Padre Island is an FDIC-insured commercial bank headquartered in South Padre Island, TX, supervised by the OCC, with $78.3M in total assets at Q2 2026, down 6.1% from Q2 2025, the 322nd largest of 346 banks headquartered in Texas. It was established in 1983 and holds FDIC certificate 24902. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.22% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 24902
- Headquarters
- South Padre Island, TX
- Established
- 1983
- Total assets, Q2 2026
- $78.3M
- Assets vs Q2 2025
- -6.1%
- Tier 1 leverage ratio, Q2 2026
- 14.22%
- Domestic offices
- 2 · First National Bank of South Padre Island branches FDIC institution directory, current count
- Routing number
- 114912479
- Safety and soundness
- Is First National Bank of South Padre Island safe?
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank of South Padre Island call report
- Holding company
- LAGUNA MADRE DELAWARE BANCSHARES, INC.
- Asset rank in state
- 322nd of 346 in Texas
First National Bank of South Padre Island is one of the more profitable banks of its size. It reported $78 million in assets at June 30, 2026, down 6.1% from a year earlier. It earns about $2.67 a year on every $100 of assets, 2.6 times the median of $1.04 for the 533 banks with less than $100 million in assets. It also keeps 5.57 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.91 cents). Much of that comes from cost control: it spends about 51 cents to bring in each dollar of revenue.
Loans and deposits moved in opposite directions: over the year loans rose 9.3% and deposits fell 8.4%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.24% of loans, down from 1.57% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 0.9 times its capital, about triple the median of 30% for banks its size.
As of June 30, 2026, First National Bank of South Padre Island reported a return on assets of 2.67%, a nonperforming-loan ratio of 1.24% and a Texas ratio of 4.17%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, First National Bank of South Padre Island is the 322nd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 4.2% to $78.3M, loans fell 2.0% and deposits fell 4.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 54.0% of total loans, followed by construction and land development loans at 22.6%. The FDIC Summary of Deposits lists 2 offices for it, in South Padre Island, TX and Port Isabel, TX; its South Padre Island office books 85% of its branch deposits. By the capital ratios in its Q2 2026 call report, First National Bank of South Padre Island meets the community bank leverage ratio test for well capitalized.
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
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 20, 1983
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $67.1M
- Allowance for credit losses
- $598K
- Net charge-offs (YTD)
- $0
- Average total assets
- $78.4M
- Average total loans
- $38.2M
- Average interest-bearing deposits
- $60.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 20, 1983
- FDIC Cert
- 24902
- Fed RSSD
- 346566
- Website
- www.fnbspi.com →
- Parent Holding Company
- LAGUNA MADRE DELAWARE BANCSHARES, INC. (RSSD 2524229)
- Ultimate Parent
- LAGUNA MADRE BANCSHARES, INC. (RSSD 2524210)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First National Bank of South Padre Island reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First National Bank of South Padre Island's total assets moved between a low of $77.3M (Q4 2024) and a high of $86.9M (Q1 2024) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$78.3M total assets against $83.4M; $67.3M total liabilities against $73.4M.
$38.4M net loans and leases against $35.1M; $67.1M total deposits against $73.2M.
$21.3M securities against $21.3M; $16.8M cash and balances due against $25.3M.
$1.2M total interest income against $1.1M; $104K total interest expense against $106K.
$1.1M net interest income against $1.0M.
$17K total noninterest income against $19K; $547K total noninterest expense against $540K.
$9K provision for credit losses against $0.
$524K net income against $499K.
2.67% return on assets against 2.41%; 5.57% net interest margin against 5.09%.
14.22% tier 1 leverage ratio against 12.33%.
Inside the full First National Bank of South Padre Island terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.16% (Q3 2024) to 2.67% (Q2 2026) and its net interest margin ran from 4.76% (Q3 2024) to 5.57% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.22% | 2.67% | 1.24% | 4.17% | 5.57% |
| Q1 2026 | 14.08% | 2.29% | 1.27% | 4.32% | 5.10% |
| Q4 2025 | 13.20% | 2.51% | 1.36% | 4.69% | 5.33% |
| Q3 2025 | 12.99% | 2.48% | 1.45% | 4.71% | 5.12% |
| Q2 2025 | 12.33% | 2.41% | 1.57% | 5.28% | 5.09% |
| Q1 2025 | 12.54% | 2.31% | 1.75% | 5.49% | 4.89% |
| Q4 2024 | 12.29% | 2.28% | 1.87% | 6.06% | 4.90% |
| Q3 2024 | 12.16% | 2.16% | 2.04% | 5.99% | 4.76% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First National Bank of South Padre Island (main office) | South Padre Island , TX | 78597 | $57.0M |
| Port Isabel Branch | Port Isabel , TX | 78578 | $10.1M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action May 12, 2006. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 397 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $62K approved, $62K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 Q2 2026 filing, First National Bank of South Padre Island reported total assets of $78.3 million in its FFIEC call report.
Where is First National Bank of South Padre Island headquartered?
It is headquartered in South Padre Island, TX, United States.
When was First National Bank of South Padre Island founded?
It was established in 1983, per the FDIC institution directory.
Is First National Bank of South Padre Island FDIC-insured?
Yes. It 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.
How many branches does First National Bank of South Padre Island operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank of South Padre Island's Texas Ratio?
Its Texas Ratio is 4.17% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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