What kind of spider is this?
Looks like a yellow garden spider Argiope aurantia tending an egg sac. They are variable in markings. Banana spider females have conspicuous tufts on middle segments on the 1st, 2nd, and 4th sets of legs--your photo does not show this.
Compare: Yellow garden spider https://aggie-horticulture.tamu.edu/galveston/beneficials/beneficial-24_spider_blackandyellow_argiope.htm
Banana spider: https://aggie-horticulture.tamu.edu/galveston/beneficials/beneficial-49_banana_spider.htm