First National Bank of South Padre Island

Headquarters: South Padre Island, Texas
Charter: Bank
Assets: $78.2M
Fed district: Dallas
Regulator: OCC
Holding company: Laguna Madre Bancshares Inc.

18 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 4, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 4, 2026

How these figures are measured

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) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. 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

Details

Source: FFIEC call report (bulk data); FDIC BankFind Suite (call report data)
Entity: First National Bank of South Padre Island (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: FFIEC call report (bulk data): Standalone quarter: year to date less the prior quarter (Q1 as filed). FDIC BankFind Suite (call report data): One quarter, as reported
Fields: FFIEC call report (bulk data): RIAD4080; FDIC BankFind Suite (call report data): ISERCHGQ
Retrieved: Nov 1, 2026

What stands out

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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
First National Bank of South Padre Island: $35
First National Bank of South Padre Island: $35
U.S. median: no median
NSF / Returned Item
First National Bank of South Padre Island: $35
First National Bank of South Padre Island: $35
U.S. median: no median
Wire Transfer (Domestic Out)
First National Bank of South Padre Island: $25
First National Bank of South Padre Island: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 21% from Q3 2025 to Q2 2026, to $11K.

Service-charge income, Q2 2026

$11K

$14KQ3 2025

$15KQ4 2025

$16KQ1 2026

$11KQ2 2026

Against the median

First National Bank of South Padre IslandMedian

Sources and open questions

FFIEC and FDIC call reportss, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

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.

Banks only
$72M to $86M in assets
Headquartered in 14 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
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.

Fee type

Peer pricing snapshot

First National Bank of South Padre Island does not publish a monthly maintenance fee in the index.

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.

First National Bank of So…Peer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for First National Bank of South Padre Island (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $11K
vs prior quarter: −$5K−31.3%; from Q1 2026
vs a year earlier: −$3K−21.4%; from Q2 2025
vs start of range: −$3K−21.4%; from Q3 2024

Details

Source: FFIEC call report (bulk data); FDIC BankFind Suite (call report data)
Entity: First National Bank of South Padre Island (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: FFIEC call report (bulk data): Standalone quarter: year to date less the prior quarter (Q1 as filed). FDIC BankFind Suite (call report data): One quarter, as reported
Fields: FFIEC call report (bulk data): RIAD4080; FDIC BankFind Suite (call report data): ISERCHGQ
Retrieved: Nov 1, 2026

Table

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%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from First National Bank of South Padre Island’s own schedules, with a source for each figure.

Account Maintenance

Account Closed Within 90 Days$25
Return Mail$5

Overdraft & NSF

NSF & Overdraft Fee$35
NSF & Overdraft Fee$35

ATM & Card

Card Reorder$5
Replacement Card Fee$9.95

Wire Transfers

Wire Transfers: Outgoing – Domestic$25
Wire Transfers: Incoming$10
Wire Transfers: Outgoing – Foreign$50

Check Services

Cashier Check$10
Cashier’s Check (Non-Customers On-Us Exchange)$15
Money Order (max $1,000.00)$5
Stop Payment$30
Temporary Checks (Per Page of 4 Checks)$2
Not compared: Charged per page; comparison unavailable
per page

Digital & Electronic

Bill Pay & Zelle$5.95
per month
Internet Banking with Bill Pay$5.95

Cash & Deposit

Chargeback Fee$10

Account Services

Notary Fees (Non-Customer)$5
10 x 10 (Per Year)$120
per year
3 x 10 (Per Year)$50
per year
3 x 5 (Per Year)$30
per year
5 x 10 (Per Year)$65
per year
5 x 5 (Per Year)$35
per year
Drill Box – Locksmith fee +$50
Not compared: Box drilling or key fee
Late Fee$10
Not compared: Box drilling or key fee
Lost Key$25
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10 (Per Year) (audience not stated, treated as personal)$120
per year
Safe Deposit Box 3 x 10 (Per Year) (audience not stated, treated as personal)$50
per year
Safe Deposit Box 3 x 5 (Per Year) (audience not stated, treated as personal)$30
per year
Safe Deposit Box 5 x 10 (Per Year) (audience not stated, treated as personal)$65
per year
Safe Deposit Box 5 x 5 (Per Year) (audience not stated, treated as personal)$35
per year
Account Levy, Hold, Freeze or Garnishment$75

Gift & Prepaid Cards

Gift Card Fee$6.95
Reload Fee$4.95

Other Fees

Copy of Bank Records (Per Item)$5
per item
Incoming$3
Outgoing (956 Area Code)$5
Outgoing (International)$15
Outgoing (Long Distance)$7.50
Photocopies$1

Fee	Amount	Basis	Note
Account Maintenance
Account Closed Within 90 Days	$25	Not stated	None
Return Mail	$5	Not stated	None
Overdraft & NSF
NSF & Overdraft Fee	$35	Not stated	None
NSF & Overdraft Fee	$35	Not stated	None
ATM & Card
Card Reorder	$5	Not stated	None
Replacement Card Fee	$9.95	Not stated	None
Wire Transfers
Wire Transfers: Outgoing – Domestic	$25	Not stated	None
Wire Transfers: Incoming	$10	Not stated	None
Wire Transfers: Outgoing – Foreign	$50	Not stated	None
Check Services
Cashier Check	$10	Not stated	None
Cashier’s Check (Non-Customers On-Us Exchange)	$15	Not stated	None
Money Order (max $1,000.00)	$5	Not stated	None
Stop Payment	$30	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	$5.95	per month	None
Internet Banking with Bill Pay	$5.95	Not stated	None
Cash & Deposit
Chargeback Fee	$10	Not stated	None
Account Services
Notary Fees (Non-Customer)	$5	Not stated	None
10 x 10 (Per Year)	$120	per year	None
3 x 10 (Per Year)	$50	per year	None
3 x 5 (Per Year)	$30	per year	None
5 x 10 (Per Year)	$65	per year	None
5 x 5 (Per Year)	$35	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)	$120	per year	None
Safe Deposit Box 3 x 10 (Per Year) (audience not stated, treated as personal)	$50	per year	None
Safe Deposit Box 3 x 5 (Per Year) (audience not stated, treated as personal)	$30	per year	None
Safe Deposit Box 5 x 10 (Per Year) (audience not stated, treated as personal)	$65	per year	None
Safe Deposit Box 5 x 5 (Per Year) (audience not stated, treated as personal)	$35	per year	None
Account Levy, Hold, Freeze or Garnishment	$75	Not stated	None
Gift & Prepaid Cards
Gift Card Fee	$6.95	Not stated	None
Reload Fee	$4.95	Not stated	None
Other Fees
Copy of Bank Records (Per Item)	$5	per item	None
Incoming	$3	Not stated	None
Outgoing (956 Area Code)	$5	Not stated	None
Outgoing (International)	$15	Not stated	None
Outgoing (Long Distance)	$7.50	Not stated	None
Photocopies	$1	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

Correct a fee source

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.

Branches and public record

Where First National Bank of South Padre Island operates, and what regulators and customers have on file.

Market position

In Brownsville-Harlingen, TX, First National Bank of South Padre Island holds 1% of bank deposits, #14 of 19, with 2 offices.

Compare fees with the 16 Brownsville-Harlingen, TX banks and credit unions in its home-metro peer set →

Offices in the metro

82 offices of 25 institutions shown.

First National Bank of South Padre IslandOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Brownsville-Harlingen, TX metro (FDIC metro code 15180), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 6 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1International Bank of Commerce21.8%
2Wells Fargo Bank, National Association16.0%
3Texas Regional Bank11.5%
4JPMorgan Chase Bank, National Association8.7%
5First Community Bank8.3%
6PNC Bank, National Association8.1%
8PlainsCapital Bank4.9%
9Lone Star National Bank4.5%
14First National Bank of South Padre Island1.0%

9 of 19 institutions shown. $6.6B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Brownsville-Harlingen, TX metro (FDIC metro code 15180)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

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.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Brownsville-Harlingen, TX metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

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

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