First National Bank of South Padre Island: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 4.51 percentage points in Q2 2026, from 71.12% to 75.64%. It was the largest change from Q1 2026 among the key lines here. Within Texas, First National Bank of South Padre Island is 252nd of 346 on loan-to-deposit ratio, 58.12% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. First National Bank of South Padre Island sits 9.50 points lower, at 58.12% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $39.0M |
| Net loans and leases | $38.4M |
| Loans held for sale | $0 |
| Loans to total assets | 49.87% |
| Loan-to-deposit ratio | 58.12% |
| Net loans to equity capital | 3.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.33% |
| Multifamily (5+ residential) | 1.23% |
| Commercial and industrial | 5.42% |
| Consumer | 2.56% |
| Credit cards | 0.00% |
| Farm | 2.60% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 94.19% |
| Construction concentration (Tier 1 capital + allowance) | 75.64% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.11% |
| Interest income on loans | $679K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $30.7M | $74.3M | 9.72% | 6.49% | 2.53% |
| Q4 2023 | $30.2M | $71.2M | 9.40% | 6.37% | 2.50% |
| Q1 2024 | $28.8M | $78.0M | 10.46% | 5.79% | 2.51% |
| Q2 2024 | $30.3M | $69.1M | 9.77% | 5.70% | 2.30% |
| Q3 2024 | $30.1M | $69.2M | 10.65% | 2.82% | 2.23% |
| Q4 2024 | $32.2M | $67.9M | 10.13% | 2.65% | 2.09% |
| Q1 2025 | $33.2M | $72.6M | 9.92% | 2.85% | 2.01% |
| Q2 2025 | $35.7M | $73.2M | 10.72% | 3.70% | 1.83% |
| Q3 2025 | $37.3M | $72.9M | 10.35% | 6.28% | 1.80% |
| Q4 2025 | $39.2M | $67.0M | 9.59% | 6.15% | 1.81% |
| Q1 2026 | $39.8M | $70.5M | 10.21% | 5.97% | 2.47% |
| Q2 2026 | $39.0M | $67.1M | 11.33% | 5.42% | 2.56% |
First National Bank of South Padre Island loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of South Padre Island, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First National Bank of South Padre Island profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24902) · FFIEC NIC profile (RSSD 346566)