Frontier Bank of Texas
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
$1.1BAssets
$888.9MLoans
$903.9MDeposits
$106.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets (rank 18 of 322).
- Widest gap: total risk-based capital ratio trails 96% of banks $1B-$10B in assets (rank 316 of 328).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $20.4M · efficiency ratio beats 84% of banks $1B-$10B in assets | 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 |