A
First National Bank of South Padre Island
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
12.99
Return On
Assets
2.40%
Total
Assets
83.93M
Capital
10.88M
Total
Deposits
72.87M
Net
Income
1.47M
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Weiss Ratings First National Bank of South Padre Island
South Padre Island, TX 		Click to
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Rating A
Asset Quality Index 7.50
Capitalization Index 10.00
Liquidity Index 4.80
Profitability Index 9.80
Stability Index 7.50
Company Info First National Bank of South Padre Island
South Padre Island, TX 		Click to
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FDIC Number 24902
Phone Number (956) 761-7958
Website www.fnbspi.com
Asset Quality First National Bank of South Padre Island
South Padre Island, TX 		Click to
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1-Year Asset Growth 6.14%
5-Year Asset Growth 7.87%
5-Year Charge-Offs to Average Loans -0.03%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.64%
Non-Performing Loans to Capital 4.77%
Non-Performing Loans to Loans 1.45%
Balance Sheet First National Bank of South Padre Island
South Padre Island, TX 		Click to
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Total Assets 83.93M
Total Deposits 72.87M
Capital and Reserves First National Bank of South Padre Island
South Padre Island, TX 		Click to
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Capital 10.88M
Leverage Ratio 12.99
Loan Loss Reserves to Loans 1.56%
Risk-Based Capital Ratio --
Liquidity First National Bank of South Padre Island
South Padre Island, TX 		Click to
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Hot Money Ratio 10.05%
Liquidity Ratio 57.40%
Profitability First National Bank of South Padre Island
South Padre Island, TX 		Click to
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5-Year Return on Average Assets 1.22%
Net Income 1.47M
Net Interest Spread 5.03%
Operating Profit to Average Assets 2.40%
Overhead Efficiency Ratio 51.92%
Return on Assets 2.40%
Return on Equity 19.58%