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Frontier Bank of Texas

$1B-$10B Specialty: Commercial TX FDIC cert 58509

Designations: ✓ Community bank

Elgin, TX

11 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
  • Deposits +11.1% year over year ($903.9M on the books).
  • Delinquency rate 0.15%.
  • Return on assets 1.89%.
  • Efficiency ratio 48.24% vs a 59.73% peer average.
  • Loan-to-deposit ratio 97.73% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX
View $1B-$10B leaderboard (TX) →

Frontier Bank of Texas shows strong momentum with 4 strengths and 10.2% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 37.8% in tier
  • + Credit Quality Leader: Top 44.8% in tier
  • + Net Interest Margin 0.71% above tier average
  • + Efficiency Ratio 11.49% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Frontier Bank of Texas releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $1.1B
+10.2% YoY +2.1% QoQ
-$1.7B $2.8B
-0.6% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Bottom 7.7% in tier
Total Loans ? $883.4M
+11.8% YoY +2.0% QoQ
-$1.1B $2.0B
-0.3% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
22%
Total Deposits ? $903.9M
+11.1% YoY +1.0% QoQ
-$1.4B $2.3B
-0.5% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Bottom 8.1% in tier
Return on Assets ? 1.89%
+24.2% YoY +7.6% QoQ
+0.50% 1.39%
+17.0% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
85%
Net Interest Margin ? 4.58%
+8.4% YoY +3.3% QoQ
+0.71% 3.87%
+6.2% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 11.0% in tier
Efficiency Ratio ? 48.24%
-9.8% YoY -4.9% QoQ
-11.49% 59.73%
-12.6% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
81%
Delinquency Rate ? 0.15%
-32.3% YoY +152.3% QoQ
-0.72% 0.87%
+11.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
83%
Loan-to-Deposit Ratio ? 97.73%
+0.7% YoY +1.0% QoQ
+12.70% 85.04%
-0.1% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
20%
Non-Interest-Bearing Deposit Share ? 20.57%
+4.0% YoY +0.4% QoQ
-0.70% 21.27%
-1.5% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
54%
Nonperforming Asset Ratio ? 0.20%
-26.2% YoY +53.3% QoQ
-0.47% 0.67%
+11.7% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
72%
Tier 1 Capital Ratio ? 10.05%
+1.7% YoY +3.1% QoQ
-4.79% 14.84%
-0.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Bottom 6.2% in tier
Non-Interest Income / Assets ? 0.17%
-8.9% YoY +95.8% QoQ
-0.36% 0.53%
+2.5% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
24%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 20.6%
+0.8pp YoY
+0.1pp QoQ
 -0.8pp 21.4% 29.2% 22.2% 54%
Brokered Deposits 10.2%
+3.2pp YoY
+2.1pp QoQ
 +0.7pp 9.5% 8.0% 8.5% 70%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 8.7%
+0.6pp YoY
+1.9pp QoQ
 -5.3pp 14.0% 14.8% 12.5% 38%
CRE 54.6%
+1.0pp YoY
-0.9pp QoQ
 +4.6pp 50.0% 48.4% 41.4% 64%
1-4 Family 23.9%
-1.1pp YoY
-0.8pp QoQ
 -2.5pp 26.4% 25.8% 31.3% 52%
Consumer 4.7%
-0.4pp YoY
0.0pp QoQ
 0.0pp 4.7% 4.7% 5.0% 80%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 22.7% 19.7% n/a
Leverage Ratio 10.0%
+0.2pp YoY
+0.3pp QoQ
 -1.3pp 11.3% 12.6% 12.6% 38%
Total Capital Ratio n/a n/a 16.7% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 101
+7 (+7.4%) YoY
0 QoQ
 -213 313 186 482 7%
Assets per Employee ($) $10.7M
+2.6% YoY
+2.1% QoQ
 +$178K $10.5M $10.1M $8.8M 70%
Branch Count 11
0 YoY
0 QoQ
 -9 20 12 18 35%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.1%
+0.1pp YoY
+0.1pp QoQ
 0.0pp 0.2% 0.3% 0.4% 80%
Nonaccrual 0.0%
-0.2pp YoY
0.0pp QoQ
 -0.8pp 0.8% 1.0% 1.0% 4%
Allowance Coverage 4.24x
+45.1% YoY
-60.5% QoQ
 -14.47x 18.71x 18.82x 20.23x 74%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 14%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 19.5%
+3.1pp YoY
+1.2pp QoQ
 +6.9pp 12.6% 13.2% 11.6% 89%
Cost of Funds (YTD) 2.2%
-0.2pp YoY
0.0pp QoQ
 +0.3pp 1.9% 1.6% 1.7% 71%
Net Income ($, YTD) $9.9M
+39.3% YoY
— QoQ
 -$9.3M $19.2M $15.9M $40.4M 39%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Profitability Leader

growth
#85 of 222 • Top 37.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.89%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Credit Quality Leader

growth
#100 of 221 • Top 44.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.15%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

98
Net Interest Margin
profitability
Value: 4.58%
Peer Median: 3.87%
#98 of 885 Top 11.0% in $1B-$10B
137
Return on Assets
profitability
Value: 1.89%
Peer Median: 1.39%
#137 of 885 Top 15.4% in $1B-$10B
147
Delinquency Rate
credit_quality
Value: 0.15%
Peer Median: 0.87%
#147 of 882 Top 16.6% in $1B-$10B
166
Efficiency Ratio
profitability
Value: 48.24%
Peer Median: 59.73%
#166 of 885 Top 18.6% in $1B-$10B

Top Weaknesses (6 metrics)

831
Tier 1 Capital Ratio
capital
Value: 10.05%
Peer Median: 14.84%
#831 of 885 Bottom 6.2% in $1B-$10B
818
Total Assets
size
Value: $1.08B
Peer Median: $2.79B
#818 of 885 Bottom 7.7% in $1B-$10B
814
Total Deposits
size
Value: $903.91M
Peer Median: $2.32B
#814 of 885 Bottom 8.1% in $1B-$10B
708
Loan-to-Deposit Ratio
liquidity
Value: 97.73%
Peer Median: 85.04%
#708 of 885 Bottom 20.1% in $1B-$10B
693
Total Loans
size
Value: $883.42M
Peer Median: $1.96B
#693 of 885 Bottom 21.8% in $1B-$10B
678
Non-Interest Income / Assets
revenue_mix
Value: 0.17%
Peer Median: 0.53%
#678 of 885 Bottom 23.5% in $1B-$10B
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