First National Bank of South Padre Island: how it compares with its peers
Against 70 TX banks with half to twice its assets, First National Bank of South Padre Island's strongest measure in Q2 2026 is return on assets (2.27% vs. a 1.13% peer median). Its weakest relative measure is assets per employee ($6.5M vs. $5.7M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.27% | 1.13% | Top third Ahead of 91% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.15% | 4.00% | Top third Ahead of 90% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.03% | 67.94% | Top third Ahead of 86% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $5.7M | Middle third Ahead of 64% of peers |
| Loans to deposits Net loans and leases over total deposits. | 57.23% | 50.15% | Context |
What it means for lending operations
Its efficiency ratio of 54.03% is better than the 67.94% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Pavillion Bank Richardson, TX · $78M
- Citizens National Bank of Crosbyton Crosbyton, TX · $78M
- Zavala County Bank Crystal City, TX · $79M
- The First National Bank in Falfurrias Falfurrias, TX · $79M
- The City National Bank of San Saba San Saba, TX · $80M
- Citizens State Bank Anton, TX · $81M
Questions about First National Bank of South Padre Island
How big is First National Bank of South Padre Island?
First National Bank of South Padre Island, established in 1983, is headquartered in South Padre Island, TX. It reported $78M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is First National Bank of South Padre Island's return on assets?
2.27% annualized in Q2 2026, against a 1.13% median for 70 TX banks with half to twice its assets, ahead of 91% of them.
What is First National Bank of South Padre Island's efficiency ratio?
54.03% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 67.94%, and lower is better.
Is First National Bank of South Padre Island growing its loans?
Net loans grew 9.4% over the year to Q2 2026, while deposits shrank 8.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.