First National Bank of South Padre Island: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank of South Padre Island of South Padre Island, TX against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 2.31% | 3.14% | -0.83% | 88th top |
| ROAE | 16.41% | 10.40% | +6.01% | 84th top |
| Net Interest Margin | 5.20% | 3.93% | +1.27% | 91st top |
| Efficiency Ratio | 54.21% | 76.35% | -22.14% | 81st top |
| PPNR / Avg Assets | 2.36% | 1.40% | +0.96% | 88th top |
| Yield on Earning Assets | 5.74% | 5.35% | +0.39% | 69th above |
| Cost of Funds | 0.46% | 1.71% | -1.25% | 96th top |
| Net Interest Spread | 4.68% | 3.31% | +1.37% | 91st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 1.24% | 1.34% | -0.10% | 26th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.62% | 0.71% | -0.09% | 28th below |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.53% | 1.49% | +0.04% | 69th above |
| ACL / NPLs (Coverage) | 123.30% | 866.53% | -743.23% | 44th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.20% | 8.26% | -4.06% | 39th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 14.13% | 17.61% | -3.48% | 59th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 14.01% | 16.43% | -2.42% | 61st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 14.01% | 16.18% | -2.17% | 63rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 58.12% | 72.86% | -14.74% | 62nd above |
| Core Deposit Ratio | 93.57% | 88.20% | +5.37% | 64th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -6.20% | 4.33% | -10.53% | 9th bottom |
| Loan Growth (Y/Y) | 9.29% | 6.72% | +2.57% | 76th top |
| Deposit Growth (Y/Y) | -8.36% | 3.80% | -12.16% | 6th bottom |
See First National Bank of South Padre Island's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank of South Padre Island, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First National Bank of South Padre Island profile, how to read a UBPR, or how this data updates.