BlastPoint's Banking Scorecard

Frontier Bank of Texas

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

Designations: ✓ Community bank

Elgin, TX

11 branches across TX

884 banks in the $1B-$10B peer group nationally 80 in TX

Frontier Bank of Texas has 4 strengths but faces 1 concern

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

+ Credit Quality Leader: Top 38.6% in tier
+ ROA 0.39% above tier average
+ Net Interest Margin 0.62% above tier average
+ Efficiency Ratio 10.35% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 3.3% in tier

Get updates when Frontier Bank of Texas releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$1.1B +11.9% YoY +2.8% QoQ	-$1.8B	$2.8B -0.1% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Bottom 6.0% in tier
Total Loans ?	$865.7M +16.1% YoY +1.9% QoQ	-$1.1B	$2.0B +0.6% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	20%
Total Deposits ?	$894.9M +13.0% YoY +4.2% QoQ	-$1.4B	$2.3B -0.3% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Bottom 6.0% in tier
Return on Assets ?	1.76% +5.8% YoY +6.4% QoQ	+0.39%	1.37% +19.6% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	82%
Net Interest Margin ?	4.44% +3.3% YoY +0.8% QoQ	+0.62%	3.82% +6.9% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 13.6% in tier
Efficiency Ratio ?	50.71% -4.4% YoY -1.7% QoQ	-10.35%	61.06% -4.6% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	77%
Delinquency Rate ?	0.06% +78.3% YoY -29.1% QoQ	-0.83%	0.89% +14.1% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 7.8% in tier
Loan-to-Deposit Ratio ?	96.74% +2.8% YoY -2.1% QoQ	+12.53%	84.20% +0.3% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	21%
Non-Interest-Bearing Deposit Share ?	20.49% -4.3% YoY +2.4% QoQ	-0.79%	21.29% -2.5% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	55%
Nonperforming Asset Ratio ?	0.13% +2.0% YoY -18.1% QoQ	-0.54%	0.67% +15.6% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	81%
Tier 1 Capital Ratio ?	9.75% -1.4% YoY -1.9% QoQ	-5.41%	15.16% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Bottom 2.7% in tier
Non-Interest Income / Assets ?	0.08% -25.7% YoY -73.7% QoQ	-0.17%	0.26% +1.6% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	25%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (1)

Credit Quality Leader

growth

#86 of 220 • Top 38.6% in tier

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

Why this signature

Delinquency Rate: 0.06%

(Tier: 0.89%, National: 0.95%)

better than tier avg

220 of 220 Mid-Market banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#18 of 513 • Bottom 3.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.06%

(Tier: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 banks QoQ

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.06%

Peer Median: 0.89%

#70 of 880 Top 7.8% in $1B-$10B

121

Net Interest Margin

profitability

Value: 4.44%

Peer Median: 3.82%

#121 of 884 Top 13.6% in $1B-$10B

159

Return on Assets

profitability

Value: 1.76%

Peer Median: 1.37%

#159 of 884 Top 17.9% in $1B-$10B

168

Nonperforming Asset Ratio

credit_quality

Value: 0.13%

Peer Median: 0.67%

#168 of 884 Top 18.9% in $1B-$10B

201

Efficiency Ratio

profitability

Value: 50.71%

Peer Median: 61.06%

#201 of 884 Top 22.6% in $1B-$10B

Top Weaknesses (6 metrics)

861

Tier 1 Capital Ratio

capital

Value: 9.75%

Peer Median: 15.16%

#861 of 884 Bottom 2.7% in $1B-$10B

832

Total Deposits

size

Value: $894.89M

Peer Median: $2.34B

#832 of 884 Bottom 6.0% in $1B-$10B

832

Total Assets

size

Value: $1.05B

Peer Median: $2.82B

#832 of 884 Bottom 6.0% in $1B-$10B

704

Total Loans

size

Value: $865.69M

Peer Median: $1.96B

#704 of 884 Bottom 20.5% in $1B-$10B

702

Loan-to-Deposit Ratio

liquidity

Value: 96.74%

Peer Median: 84.20%

#702 of 884 Bottom 20.7% in $1B-$10B

666

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.26%

#666 of 884 Bottom 24.8% in $1B-$10B