SOUTH PADRE ISLAND, TX · Supervised by OCC (Office of the Comptroller of the Currency)
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
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%
Compared to the peer-bank Small peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2018 | 42 | 80.95% | 9.52% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red
| Exam Date | Rating | Exam Type |
|---|---|---|
| May 2022 | Satisfactory | Small Bank |
| Dec 2017 | Satisfactory | Small Bank |
| May 2012 | Satisfactory | Small Bank |
4 previous ratings locked — back to 1995
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Total Branches
2
Branch Deposits
$73M
1-Year Change
0
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