First National Bank of South Padre Island: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 6.90 percentage points in Q2 2026, from 116.40% to 123.30%. It was the largest change from Q1 2026 among the key lines here. Within Texas, First National Bank of South Padre Island is 39th of 345 on return on assets, 2.31% as of Q2 2026, above the middle of the field. Against a median of 0.98% for banks in the < $100M asset tier, First National Bank of South Padre Island reported 2.31% on return on assets in Q2 2026, 1.33 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.13% |
| Equity capital to assets | 14.01% |
| Tangible equity to tangible assets | 14.01% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.24% |
| Non-performing assets ratio | 0.62% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.20% |
| Allowance for credit losses to loans | 1.53% |
| Reserve coverage of non-performing loans | 123.30% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.31% |
| Return on equity | 16.41% |
| Net interest margin | 5.20% |
| Efficiency ratio | 54.21% |
| Yield on earning assets | 5.74% |
| Cost of funds | 0.46% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 58.12% |
| Core deposits to total deposits | 93.57% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.79% |
| Securities to assets | 27.24% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.37% | 2.35% | 4.66% | 2.18% | 0.00% |
| Q4 2023 | 11.55% | 2.39% | 4.60% | 2.18% | 0.00% |
| Q1 2024 | 11.10% | 2.09% | 4.27% | 2.23% | -0.01% |
| Q2 2024 | 11.17% | 2.38% | 4.89% | 2.08% | 0.00% |
| Q3 2024 | 12.16% | 2.16% | 4.76% | 2.04% | 0.00% |
| Q4 2024 | 12.29% | 2.28% | 4.90% | 1.87% | 0.00% |
| Q1 2025 | 12.54% | 2.31% | 4.89% | 1.75% | 0.00% |
| Q2 2025 | 12.33% | 2.41% | 5.09% | 1.57% | 0.00% |
| Q3 2025 | 12.99% | 2.48% | 5.12% | 1.45% | 0.00% |
| Q4 2025 | 13.20% | 2.51% | 5.33% | 1.36% | 0.00% |
| Q1 2026 | 14.08% | 2.29% | 5.10% | 1.27% | 0.00% |
| Q2 2026 | 14.13% | 2.31% | 5.20% | 1.24% | 0.00% |
First National Bank of South Padre Island vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of South Padre Island, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)