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 | |