🏦Bank Scorer

FIRST NATIONAL BANK OF SOUTH PADRE ISLAND

SOUTH PADRE ISLAND, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1983FDIC #24,902
Satisfactory Same

Current rating · Exam: May 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 2.25%

Is this bank safe?

FIRST NATIONAL BANK OF SOUTH PADRE ISLAND holds a Satisfactory CRA rating (2022), is financially strong (ROA +2.25%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

709 Park Road 100, SOUTH PADRE ISLAND, TX

County

Cameron County

Established

December 20, 1983

Total Assets

$82M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 2, 2022

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:May 2027(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$82M

Total Deposits

$71M

Net Loans

$39M

Net Income

$448K

ROA

2.25%

Above avg for Small banks. Peer avg: 0.44%

ROE

16.38%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA2.25%Peer avg: 0.44%▲ Above avg
Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg
Mortgage Denial Rate9.52%Peer avg: 6.90%▲ More than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$73M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20184280.95%9.52%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC
Exam DateRatingExam Type
May 2022SatisfactorySmall Bank
Dec 2017SatisfactorySmall Bank
May 2012SatisfactorySmall Bank

4 previous ratings locked — back to 1995

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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