Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, under $300M

First National Bank of South Padre Island

South Padre Island, TexasBankDallas Fed districtFees collected Feb 17, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Closed Within 90 Days$25Within the typical range ($10–$25 nationally)

ATM & CardVerified

Gift Card Replacement Card Fee$5Within the typical range ($5–$10 nationally)
$5 below the national median
Source
Replacement Card Fee$9.95Within the typical range ($5–$10 nationally)
$0.05 below the national median
Source

Wire TransfersVerified

Wire Transfers:: Incoming$10Within the typical range ($5–$15 nationally)
At the national median
Source
Wire Transfers:: Outgoing – Domestic$25Within the typical range ($20–$25 nationally)
At the national median
Source
Wire Transfers:: Outgoing – Foreign$50Within the typical range ($40–$50 nationally)
At the national median
Source

Check ServicesVerified

Cashier Check$10Above the typical range ($3–$5.50 nationally)
$5 above the national median
Source
Cashier’s Check (Non-Customers On-Us Exchange)$15Above the typical range ($3–$5.50 nationally)
$10 above the national median
Source
Money Order (max )$5Above the typical range ($1.75–$3 nationally)
$3 above the national median
Source
Stop Payment$30Within the typical range ($20–$30 nationally)
$4 above the national median
Source
Temporary Checks (Per Page of 4 Checks)$2Within the typical range ($1–$4 nationally)
At the national median
Source

Digital & ElectronicVerified

After the 90 day introductory period, Bill Payment for consumer accounts has a monthly flat fee of$5.95Within the typical range ($0–$11.13 nationally)
$1 above the national median
per month · Source
Internet Banking with Bill Pay$5.95Within the typical range ($0–$11.13 nationally)
$1 above the national median
Source

Account ServicesVerified

10 x 10 (Per Year)$120Above the typical range ($25–$80 nationally)
$75 above the national median
per year · Source
3 x 10 (Per Year)$50Within the typical range ($25–$80 nationally)
$5 above the national median
per year · Source
3 x 5 (Per Year)$30Within the typical range ($25–$80 nationally)
$15 below the national median
per year · Source
5 x 10 (Per Year)$65Within the typical range ($25–$80 nationally)
$20 above the national median
per year · Source
5 x 5 (Per Year)$35Within the typical range ($25–$80 nationally)
$10 below the national median
per year · Source
Account Levy, Hold, Freeze or Garnishment$75Within the typical range ($30–$75 nationally)
$25 above the national median
Source
Drill Box – Locksmith fee +$50Within the typical range ($25–$80 nationally)
$5 above the national median
Source
Lost Key$25Within the typical range ($25–$80 nationally)
$20 below the national median
Source
Notary Fees (Non-Customer)$5Within the typical range ($0–$5 nationally)
$2.50 above the national median
Source

Gift & Prepaid CardsVerified

Gift Card Fee$6.95Above the typical range ($3–$4.50 nationally)
$3.45 above the national median
Source
Gift Card Monthly Inactive Fee$2.95Below the typical range ($3–$4.50 nationally)
$0.55 below the national median
per month · Source
Reload Fee$4.95Within the typical range ($2.50–$5 nationally)
$0.46 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Closed Within 90 Days	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	—	Source
Manual Bill Paying Monthly Service Fee	$10Within the typical range ($3–$10 nationally)	$4.50 above the national median	per month	—	Source
Overdraft & NSFVerified
NSF & Overdraft Fee	$35Above the typical range ($25–$32 nationally)	$5 above the national median	—	—	Source
ATM & CardVerified
Gift Card Replacement Card Fee	$5Within the typical range ($5–$10 nationally)	$5 below the national median	—	—	Source
Replacement Card Fee	$9.95
Wire TransfersVerified
Wire Transfers:: Incoming	$10Within the typical range ($5–$15 nationally)	At the national median	—	—	Source
Wire Transfers:: Outgoing – Domestic	$25
Check ServicesVerified
Cashier Check	$10Above the typical range ($3–$5.50 nationally)	$5 above the national median	—	—	Source
Cashier’s Check (Non-Customers On-Us Exchange)	$15
Digital & ElectronicVerified
After the 90 day introductory period, Bill Payment for consumer accounts has a monthly flat fee of	$5.95Within the typical range ($0–$11.13 nationally)	$1 above the national median	per month	—	Source
Internet Banking with Bill Pay	$5.95
Cash & DepositVerified
Chargeback Fee	$10Within the typical range ($10–$25 nationally)	$5 below the national median	—	—	Source
Account ServicesVerified
10 x 10 (Per Year)	$120Above the typical range ($25–$80 nationally)	$75 above the national median	per year	—	Source
3 x 10 (Per Year)	$50
Lending FeesVerified
Late Fee	$10Below the typical range ($12.75–$25 nationally)	$10 below the national median	—	—	Source
Gift & Prepaid CardsVerified
Gift Card Fee	$6.95Above the typical range ($3–$4.50 nationally)	$3.45 above the national median	—	—	Source
Gift Card Monthly Inactive Fee	$2.95
Other FeesVerified
Photocopies	$1Below the typical range ($2–$5 nationally)	$2 below the national median	—	—	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$35

Overdraft fee: $35

17% above the national median overdraft fee

Total fees: 30

Headline fees published

9 of 15

Published fees

Under review

Assets

$78.2M

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$78.2M

Total deposits

$67.1M

Service charge income

$11K

Fee income ratio

1.1%

Return on assets

2.27%

Branches

Service charge income by quarter

Q2 2026$11K

Q1 2026$16K

Q4 2025$15K

Q3 2025$14K

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 37,727 published fee entries from 2,634 institutions

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