BlastPoint's Banking Scorecard
First National Bank of South Padre Island
Micro
Specialty: Other
TX
FDIC cert 24902
Designations: ✓ Community bank
South Padre Island, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
First National Bank of South Padre Island has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.36% above tier
- + Net Interest Margin 1.37% above tier
- + Non-Interest-Bearing Deposit Share 19.63% above tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.46% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$77.8M
+0.7% YoY
-7.2% QoQ
|
-$139.6M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
15% |
| Total Loans ? |
$38.6M
+22.2% YoY
+5.1% QoQ
|
-$100.6M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$67.0M
-1.3% YoY
-8.1% QoQ
|
-$116.7M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
2.44%
+8.8% YoY
+1.6% QoQ
|
+1.36% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
5.22%
+8.3% YoY
+1.8% QoQ
|
+1.37% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
52.06%
-1.5% YoY
+0.3% QoQ
|
-15.67% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 14% in tier |
| Delinquency Rate ? |
1.38%
-27.6% YoY
-6.1% QoQ
|
+0.74% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
57.60%
+23.8% YoY
+14.3% QoQ
|
-16.92% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
42.02%
+5.3% YoY
-8.8% QoQ
|
+19.63% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
0.68%
-12.1% YoY
+6.4% QoQ
|
+0.23% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
29% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.11%
-22.5% YoY
+42.6% QoQ
|
-0.46% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 4%
in Micro
Why this stands out
Current:
2.44%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 6%
in Micro
Why this stands out
Current:
5.22%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Micro
Why this stands out
Current:
42.02%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.11%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Return on Assets
Current: 2.44% · Tier avg: 1.08%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 42.02% · Tier avg: 22.39%
94
94th pctile
Net Interest Margin
Current: 5.22% · Tier avg: 3.85%
86
86th pctile
Efficiency Ratio
Current: 52.06% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.68% · Tier avg: 0.45%
21
21th pctile
Loan-to-Deposit Ratio
Current: 57.60% · Tier avg: 74.53%
21
21th pctile
Delinquency Rate
Current: 1.38% · Tier avg: 0.64%
16
16th pctile
Total Deposits
Current: $67.0M · Tier avg: $183.7M
15
15th pctile
Total Assets
Current: $77.8M · Tier avg: $217.5M
14
14th pctile
Total Loans
Current: $38.6M · Tier avg: $139.2M
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
Top Weaknesses
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
14
14th pctile
Total Loans
Current: $38.6M · Tier avg: $139.2M
15
15th pctile
Total Assets
Current: $77.8M · Tier avg: $217.5M
16
16th pctile
Total Deposits
Current: $67.0M · Tier avg: $183.7M
21
21th pctile
Delinquency Rate
Current: 1.38% · Tier avg: 0.64%
21
21th pctile
Loan-to-Deposit Ratio
Current: 57.60% · Tier avg: 74.53%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.68% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
86
86th pctile
Efficiency Ratio
Current: 52.06% · Tier avg: 67.73%
94
94th pctile
Net Interest Margin
Current: 5.22% · Tier avg: 3.85%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 42.02% · Tier avg: 22.39%
96
96th pctile
Return on Assets
Current: 2.44% · Tier avg: 1.08%