Elgin, TX · Cert 58509 · Frontier Cmty Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
17
Asset Quality
92
Profitability
90
Liquidity
23
Efficiency
84
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Elgin, TX · Cert 58509 · Frontier Cmty Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Austin-Round Rock-San Marcos, TX · 2026 SOD (annual) · 1.3% share · #12 of 73 inst. · $0.9B of $70.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.32% | 1.33% | 1.66% | 1.52% | 1.61% | 1.65% | 1.76% | 1.89% | +37 bps | |
| Return on Equity | 14.25% | 14.38% | 17.93% | 16.49% | 17.44% | 17.74% | 18.35% | 19.54% | +305 bps | |
| Net Interest Margin | 3.67% | 3.57% | 4.07% | 3.99% | 3.96% | 3.99% | 4.17% | 4.26% | +26 bps | |
| Efficiency Ratio | 56.64% | 56.91% | 53.04% | 53.49% | 51.95% | 51.57% | 50.71% | 48.24% | -525 bps | |
| Non-Interest Burden | 1.93% | 1.90% | 1.94% | 1.96% | 1.90% | 1.90% | 1.95% | 1.88% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.45% | 4.25% | 15.82% | 16.18% | 17.14% | 14.30% | 11.89% | 10.22% | -596 bps | |
| Loan Growth (YoY) | 21.27% | 20.76% | 27.87% | 21.55% | 20.69% | 20.76% | 16.14% | 11.82% | -973 bps | |
| Deposit Growth (YoY) | 13.95% | 0.25% | 15.84% | 14.88% | 17.71% | 13.51% | 12.98% | 11.10% | -379 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.12% | 0.03% | 0.21% | 0.25% | 0.08% | 0.06% | 0.15% | -7 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.01% | 0.02% | 0.01% | 0.01% | 0.00% | 0.00% | -2 bps | |
| Allowance / Loans | 0.64% | 0.64% | 0.61% | 0.63% | 0.63% | 0.62% | 0.62% | 0.62% | -1 bps | |
| Allowance Coverage of NPLs | 27.0x | 5.6x | 18.8x | 2.9x | 2.6x | 7.7x | 10.7x | 4.2x | +1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.12% | 9.57% | 9.89% | 9.88% | 9.69% | 9.94% | 9.75% | 10.05% | +17 bps | |
| Total Risk-Based Capital | 10.12% | 9.57% | 9.89% | 9.88% | 9.69% | 9.94% | 9.75% | 10.05% | +17 bps | |
| Equity / Assets | 9.67% | 9.26% | 9.25% | 9.16% | 9.21% | 9.63% | 9.51% | 9.86% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.21% | 93.50% | 94.68% | 97.70% | 96.60% | 99.47% | 97.34% | 98.34% | +64 bps | |
| Liquid Assets / Assets | 4.12% | 5.06% | 6.08% | 5.00% | 6.66% | 5.46% | 6.29% | 6.01% | +101 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 467% | 469% | 466% | n/a | n/a | |
Elgin, TX · Cert 58509 · Peer group: banks $1B-$10B in assets (n=322-328) · Frontier Cmty Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Return on Assets
1.85%
Rank 34 of 328
Net Interest Margin
4.26%
Rank 36 of 328
Efficiency Ratio
48.24%
Rank 54 of 328
Equity / Assets
9.86%
Rank 191 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.85% | 0.91% | 1.22% | 1.52% | Beats 90% | 34 / 328 | ||
| Return on Equity | 18.74% | 8.43% | 11.45% | 14.43% | Beats 92% | 25 / 328 | ||
| Net Interest Margin | 4.26% | 3.03% | 3.45% | 3.83% | Beats 89% | 36 / 328 | ||
| Efficiency Ratio | 48.24% | 51.61% | 59.56% | 67.53% | Beats 84% | 54 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.15% | 0.24% | 0.51% | 1.03% | Beats 83% | 56 / 322 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 100% | 18 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.05% | 11.75% | 13.15% | 15.47% | Beats 5% | 311 / 328 | ||
| Total Risk-Based Capital Ratio | 10.05% | 12.63% | 14.15% | 16.46% | Beats 4% | 316 / 328 | ||
| Equity / Assets | 9.86% | 9.15% | 10.33% | 12.01% | Beats 42% | 191 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 98.34% | 76.63% | 87.92% | 95.36% | 82nd pctl | 59 / 323 | ||
| Loans / Assets | 82.56% | 65.18% | 74.15% | 79.98% | 84th pctl | 54 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||