BlastPoint's Banking Scorecard

First National Bank of South Padre Island

under $100M Specialty: Other TX FDIC cert 24902

Designations: ✓ Community bank

South Padre Island, TX

2 branches across TX

537 banks in the under $100M peer group nationally 37 in TX

First National Bank of South Padre Island demonstrates 5 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Return on Assets 1.39% above tier average
+ Net Interest Margin 1.17% above tier average
+ Non-Interest-Bearing Deposit Share 18.41% above tier average
+ Efficiency Ratio 33.79% below tier average
+ Delinquency Rate 0.07% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First National Bank of South Padre Island releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$81.7M -1.1% YoY +5.0% QoQ	+$19.5M	$62.3M -0.5% YoY	$2.2B +1.1% YoY	$6.2B +9.0% YoY	73%
Total Loans ?	$39.2M +20.2% YoY +1.6% QoQ	+$4.9M	$34.3M -1.5% YoY	$1.0B +10.3% YoY	$3.2B +10.7% YoY	61%
Total Deposits ?	$70.5M -2.9% YoY +5.2% QoQ	+$18.7M	$51.8M -0.6% YoY	$1.9B +3.3% YoY	$4.8B +8.0% YoY	75%
Return on Assets ?	2.25% -3.2% YoY -7.9% QoQ	+1.39%	0.86% -3.6% YoY	1.40% +10.4% YoY	1.24% +13.1% YoY	Top 6.7% in tier
Net Interest Margin ?	5.04% +1.6% YoY -3.4% QoQ	+1.17%	3.87% +2.7% YoY	4.02% +2.6% YoY	3.89% +5.7% YoY	Top 9.7% in tier
Efficiency Ratio ?	53.84% +2.3% YoY +3.4% QoQ	-33.79%	87.63% +2.3% YoY	63.21% -2.3% YoY	66.84% -3.8% YoY	Top 13.6% in tier
Delinquency Rate ?	1.29% -27.4% YoY -6.4% QoQ	-0.07%	1.36% +33.7% YoY	0.96% +37.0% YoY	0.95% +18.8% YoY	29%
Loan-to-Deposit Ratio ?	55.62% +23.8% YoY -3.4% QoQ	-8.49%	64.11% -0.9% YoY	67.20% -0.8% YoY	76.69% +0.9% YoY	63%
Non-Interest-Bearing Deposit Share ?	42.19% -1.1% YoY +0.4% QoQ	+18.41%	23.79% +0.5% YoY	29.01% -1.0% YoY	22.01% -1.1% YoY	Top 7.4% in tier
Nonperforming Asset Ratio ?	0.62% -11.7% YoY -9.4% QoQ	-0.15%	0.77% +28.7% YoY	0.62% +32.0% YoY	0.66% +19.3% YoY	34%
Tier 1 Capital Ratio ?	14.08% +12.2% YoY +6.7% QoQ	-12.70%	26.77% +2.0% YoY	18.06% +0.0% YoY	17.06% +0.8% YoY	40%
Non-Interest Income / Assets ?	0.03% +14.4% YoY -69.8% QoQ	-0.64%	0.67% +1.6% YoY	0.20% +4.1% YoY	0.32% +4.0% YoY	24%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 537 peers in under $100M

Top Strengths (4 metrics)

Return on Assets

profitability

Value: 2.25%

Peer Median: 0.86%

#37 of 537 Top 6.7% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 42.19%

Peer Median: 23.79%

#41 of 537 Top 7.4% in under $100M

Net Interest Margin

profitability

Value: 5.04%

Peer Median: 3.87%

#53 of 537 Top 9.7% in under $100M

Efficiency Ratio

profitability

Value: 53.84%

Peer Median: 87.63%

#74 of 537 Top 13.6% in under $100M

Top Weaknesses (1 metrics)

407

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.67%

#407 of 537 Bottom 24.4% in under $100M