FIRST NB OF S PADRE ISL
SOUTH PADRE ISLA, TEXAS · FDIC Cert #24902
Capital & Safety Analysis
According to FDIC financial data, FIRST NB OF S PADRE ISL holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject FIRST NB OF S PADRE ISL to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
FIRST NB OF S PADRE ISL shows average financial health. While not alarming, its Health Score of 53/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
FIRST NB OF S PADRE ISL has a Bank Health Score of C (53/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
FIRST NB OF S PADRE ISL holds $78M in total assets and $69M in total deposits. It is located in SOUTH PADRE ISLA, TEXAS (FDIC Certificate #24902).
FIRST NB OF S PADRE ISL has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 2.08%, and the return on assets is 2.26%.
Yes. FIRST NB OF S PADRE ISL is FDIC-insured (Certificate #24902). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.