First National Bank of South Padre Island: Regulatory Capital and Risk-Weighted Assets
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As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 14.22% +5.22 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $11.1M | 11,147 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $78.4M | 78,385 | RCOAA224 |
| Recomputed ratio | 14.22% | numerator / denominator | |
| Filed ratio | 14.22% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +5.22 pp | $4.1M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 1,500 | 1,500 | 1,500 | 1,500 | 1,500 | 1,500 | RCOAP742 |
| Retained earnings | 9,647 | 9,530 | 9,081 | 9,212 | 8,701 | 8,583 | RCOAKW00 |
| Accumulated other comprehensive income | (115) | 95 | 179 | 163 | (171) | (100) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 11,032 | 11,125 | 10,760 | 10,875 | 10,030 | 9,983 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 115 | (95) | (179) | (163) | 171 | 100 | P859 - P840 |
| Common equity Tier 1 capital | 11,147 | 11,030 | 10,581 | 10,712 | 10,201 | 10,083 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 11,147 | 11,030 | 10,581 | 10,712 | 10,201 | 10,083 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 78,385 | 78,351 | 80,180 | 82,489 | 82,722 | 80,383 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 14.22% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 14.08% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | CBLR | NA | NA | NA | 13.20% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | CBLR | NA | NA | NA | 12.99% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | CBLR | NA | NA | NA | 12.33% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | CBLR | NA | NA | NA | 12.54% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | CBLR | NA | NA | NA | 12.29% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | CBLR | NA | NA | NA | 12.16% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | CBLR | NA | NA | NA | 11.17% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | CBLR | NA | NA | NA | 11.10% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | CBLR | NA | NA | NA | 11.55% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | CBLR | NA | NA | NA | 10.37% | 20.70% | 20.70% | 21.86% | 12.73% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| First National Bank of South Padre Island (this bank) | CBLR | NA | NA | NA | 14.22% | |
| The First National Bank of Ava | $78.3M | Risk-based | 19.35% | 19.35% | 20.61% | 12.76% |
| Pavillion Bank | $78.4M | Risk-based | 20.69% | 20.69% | 21.94% | 15.54% |
| First State Bank of Olmsted | $78.4M | Risk-based | 19.91% | 19.91% | 20.87% | 12.57% |
| First Tri-County Bank | $78.5M | CBLR | NA | NA | NA | 9.07% |
| Five Rivers Bank | $78.1M | CBLR | NA | NA | NA | 57.11% |
| Bank of Evergreen | $78.1M | CBLR | NA | NA | NA | 14.25% |
| The Galion Building and Loan Bank | $78.5M | CBLR | NA | NA | NA | 11.18% |
| Commonwealth National Bank | $78.5M | Risk-based | 28.27% | 28.27% | 29.52% | 13.73% |
| Sherwood Community Bank | $77.9M | Risk-based | 12.78% | 12.78% | 13.62% | 9.02% |
| Peer 25th percentile | 19.35% | 19.35% | 20.61% | 11.18% | ||
| Peer median | 19.91% | 19.91% | 20.87% | 12.76% | ||
| Peer 75th percentile | 20.69% | 20.69% | 21.94% | 14.25% | ||
| This bank's percentile | NA | NA | NA | 67 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/346566/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.