Bank Comparison
Commercial Bank & Trust Company vs Frontier Bank of Texas
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 7
winning metrics across 13 scored rows
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Capital adequacy
| Metric | Commercial Bank & Trust Company | Frontier Bank of Texas |
|---|---|---|
| CET1 Ratio | 19.46% | — |
| Tier 1 Capital Ratio | 19.46% | — |
| Total Capital Ratio | 20.71% | — |
| Tier 1 Leverage Ratio | 12.08% | 10.05% |
| Equity / Assets | 9.11% | 9.86% |
Profitability
| Metric | Commercial Bank & Trust Company | Frontier Bank of Texas |
|---|---|---|
| Return on Assets (ROA) | 1.35% | 1.99% |
| Return on Equity (ROE) | 15.07% | 20.83% |
| Net Interest Margin (NIM) | 3.63% | 4.60% |
| Yield on Earning Assets | 5.01% | 6.71% |
| Cost of Funds | 1.36% | 2.28% |
Asset quality
| Metric | Commercial Bank & Trust Company | Frontier Bank of Texas |
|---|---|---|
| Texas Ratio | 0.97% | 1.96% |
| Non-Performing Loan Ratio | 0.15% | 0.03% |
| Non-Performing Asset Ratio | 0.09% | 0.11% |
| Net Charge-Off Ratio | 0.04% | 0.00% |
| ACL / Loans | 1.46% | 0.62% |
Balance sheet
| Metric | Commercial Bank & Trust Company | Frontier Bank of Texas |
|---|---|---|
| Total Assets | $1.08B | $1.08B |
| Total Deposits | $972.0M | $903.9M |
| Total Loans | $640.6M | $888.9M |
| Total Equity | $98.4M | $106.1M |
| Net Income (quarter) | $3.6M | $5.4M |
Liquidity & funding
| Metric | Commercial Bank & Trust Company | Frontier Bank of Texas |
|---|---|---|
| Loan-to-Deposit Ratio | 65.91% | 98.34% |
| Core Deposit Ratio | 93.84% | 82.41% |
| Uninsured Deposit Ratio | 37.49% | — |
Identity
| Metric | Commercial Bank & Trust Company | Frontier Bank of Texas |
|---|---|---|
| Headquarters City | Paris | Elgin |
| Headquarters State | TN | TX |
| Asset Tier | $1B to $10B in assets | $1B to $10B in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 11 | 11 |
| Employees (FTE) | 194 | 101 |
| Established | May 15, 1877 | June 11, 2007 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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