Compared with Texas
14 of 18
compared fees are above the median.
1 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
23rd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Texas median
of 18 compared; 1 below, 3 about the same
See the feesFee schedule read Nov 4, 2026
Call-report figures are for First National Bank of South Padre Island at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) One quarter, as reported | FDIC BankFind Suite (call report data) NIMQ + NONIIQ | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts One quarter, as reported | FDIC BankFind Suite (call report data) ISERCHGQ | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Texas median | Published fees above the Texas median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | First National Bank of South Padre Island's published fee schedule; Bank Fee Index medians | Current schedule | Nov 4, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.1% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (23rd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $11K in Q2 2026, 21% below the same quarter a year earlier ($14K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
14 of 18 compared published fees sit above the Texas median; 1 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Texas medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 21% from Q3 2025 to Q2 2026, to $11K. Its share of revenue, 1.1%, is below the 2.1% median for banks with under $300M in assets.
$11K
First National Bank of South Padre IslandMedian
FFIEC and FDIC call reportss, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
First National Bank of South Padre Island · $78M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First National Bank of South Padre Island(this institution) | South Padre Island, TX | $78M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| American State Bank of Grygla | Grygla, MN | $82M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Anchor State Bank | Anchor, IL | $73M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Ontario | Ontario, WI | $79M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens National Bank of Crosbyton | Crosbyton, TX | $78M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Conneaut Savings Bank | Conneaut, OH | $77M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers and Merchants Bank | Arnett, OK | $80M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Farmers State Bank of Trimont | Trimont, MN | $73M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Heritage Bank | Shenandoah, IA | $72M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Five Rivers Bank | Paramus, NJ | $78M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Haskell National Bank | Haskell, TX | $73M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Highland Federal Savings and Loan Association | Crossville, TN | $79M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Homestead Savings Bank | Albion, MI | $72M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Independence State Bank | Independence, WI | $84M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| McClave State Bank | McClave, CO | $79M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Park Bank, National Association | Holmen, WI | $76M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Redemption Bank | Salt Lake City, UT | $78M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Sherwood Community Bank | Creighton, MO | $78M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Bank of Cold Spring | Cold Spring, MN | $82M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| The Atlanta National Bank | Atlanta, IL | $81M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First National Bank of Blanchester | Blanchester, OH | $78M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First State Bank of Red Wing | Red Wing, MN | $86M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Howard State Bank, Howard, Kansas | Howard, KS | $80M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The State Bank of Pearl City | Pearl City, IL | $73M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Tri-Valley Bank | Randolph, IA | $83M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Union State Bank | Uniontown, KS | $74M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $9 among 10 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
First National Bank of South Padre Island does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for First National Bank of South Padre Island (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $11K | −$5K | −31.3% |
| Q1 2026 | $16K | +$1K | +6.7% |
| Q4 2025 | $15K | +$1K | +7.1% |
| Q3 2025 | $14K | $0 | 0.0% |
| Q2 2025 | $14K | −$2K | −12.5% |
| Q1 2025 | $16K | $0 | 0.0% |
| Q4 2024 | $16K | +$2K | +14.3% |
| Q3 2024 | $14K | −$1K | −6.7% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, First National Bank of South Padre Island left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First National Bank of South Padre Island by share.
Amounts from First National Bank of South Padre Island’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per page
per year
per year
per year
per year
per year
per year
per year
per year
per year
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closed Within 90 Days | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Return Mail | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| NSF & Overdraft Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF & Overdraft Fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Card Reorder | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement Card Fee | $9.95Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Outgoing – Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers: Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers: Outgoing – Foreign | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier Check | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashier’s Check (Non-Customers On-Us Exchange) | $15Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order (max $1,000.00) | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks (Per Page of 4 Checks) | $2Not compared: Charged per page; comparison unavailable | per page | None |
Digital & Electronic | |||
| Bill Pay & Zelle | $5.95Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
| Internet Banking with Bill Pay | $5.95Inside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Chargeback Fee | $10Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Fees (Non-Customer) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| 10 x 10 (Per Year) | $120Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3 x 10 (Per Year) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3 x 5 (Per Year) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5 x 10 (Per Year) | $65Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5 x 5 (Per Year) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Drill Box – Locksmith fee + | $50Not compared: Box drilling or key fee | Not stated | None |
| Late Fee | $10Not compared: Box drilling or key fee | Not stated | None |
| Lost Key | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 (Per Year) (audience not stated, treated as personal) | $120Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 10 (Per Year) (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 5 (Per Year) (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 10 (Per Year) (audience not stated, treated as personal) | $65Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 5 (Per Year) (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Account Levy, Hold, Freeze or Garnishment | $75Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Card Fee | $6.95Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Reload Fee | $4.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Copy of Bank Records (Per Item) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Incoming | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Outgoing (956 Area Code) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Outgoing (International) | $15Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Outgoing (Long Distance) | $7.50Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopies | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 4, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where First National Bank of South Padre Island operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state, $67.1M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 2 | $67.1M |
Brownsville-Harlingen, TX
1% of bank deposits, #14 of 19, down 0.2 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| International Bank of Commerce | 21.8% |
| Wells Fargo Bank, National Association | 16% |
| Texas Regional Bank | 11.5% |
| JPMorgan Chase Bank, National Association | 8.7% |
| First Community Bank | 8.3% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Brownsville-Harlingen, TX, First National Bank of South Padre Island holds 1% of bank deposits, #14 of 19, with 2 offices.
82 offices of 25 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 19 institutions shown. $6.6B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 1% share, 2 offices, #14 of 19
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
17 offices of 9 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC and Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.