A
First National Bank of South Padre Island
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
14.13
Return On
Assets
2.30%
Total
Assets
78.24M
Capital
10.96M
Total
Deposits
67.13M
Net
Income
901.00K
My Lists My Alerts
Weiss Ratings First National Bank of South Padre Island
South Padre Island, TX 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating A
Asset Quality Index 7.70
Capitalization Index 10.00
Liquidity Index 4.30
Profitability Index 9.70
Stability Index 8.40
Company Info First National Bank of South Padre Island
South Padre Island, TX 		Click to
Compare		 Click to
Compare		 Click to
Compare
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
Compare		 Click to
Compare		 Click to
Compare
1-Year Asset Growth -6.20%
5-Year Asset Growth 3.30%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.62%
Non-Performing Loans to Capital 4.15%
Non-Performing Loans to Loans 1.24%
Balance Sheet First National Bank of South Padre Island
South Padre Island, TX 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 78.24M
Total Deposits 67.13M
Capital and Reserves First National Bank of South Padre Island
South Padre Island, TX 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 10.96M
Leverage Ratio 14.13
Loan Loss Reserves to Loans 1.53%
Risk-Based Capital Ratio --
Liquidity First National Bank of South Padre Island
South Padre Island, TX 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 11.59%
Liquidity Ratio 49.74%
Profitability First National Bank of South Padre Island
South Padre Island, TX 		Click to
Compare		 Click to
Compare		 Click to
Compare
5-Year Return on Average Assets 1.58%
Net Income 901.00K
Net Interest Spread 5.15%
Operating Profit to Average Assets 2.30%
Overhead Efficiency Ratio 54.03%
Return on Assets 2.30%
Return on Equity 16.39%