Frontier Bank of Texas
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Data as of · sourced from FFIEC call reports. How we update
Frontier Bank of Texas is an FDIC-insured commercial bank headquartered in Elgin, TX, established in 2007 (FDIC certificate 58509), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.08B, up 10.2% from Q2 2025, the 85th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.05% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58509
- Headquarters
- Elgin, TX
- Established
- 2007
- Total assets, Q2 2026
- $1.08B
- Assets vs Q2 2025
- +10.2%
- Tier 1 leverage ratio, Q2 2026
- 10.05%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 114925547
- Latest call report
- Q2 2026, FFIEC 051 · Frontier Bank of Texas call report
- Holding company
- FRONTIER COMMUNITY BANCSHARES, INC.
- Asset rank in state
- 85th of 346 in Texas
Frontier Bank of Texas is one of the more profitable banks of its size. It reported $1.1 billion in assets at June 30, 2026, up 10.2% from a year earlier. It returns 20.8% a year on shareholders' equity, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 12.6%). It also keeps 4.60 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.71 cents). Much of that comes from cost control: it spends about 46 cents to bring in each dollar of revenue.
Earnings jumped: net income for the quarter was $5.4 million, 62% above the same quarter a year earlier.
As of June 30, 2026, Frontier Bank of Texas reported a return on assets of 1.99%, a nonperforming-loan ratio of 0.15% and a Texas ratio of 1.96%. The figures come from its call report filed with the FFIEC.
Frontier Bank of Texas ranks as the 85th largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.1% to $1.08B, loans rose 2.0% and deposits rose 1.0%. Owner-occupied commercial real estate loans made up 26.1% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 23.8%. The FDIC Summary of Deposits lists 9 offices for it, in 9 cities in TX; its Elgin office books 48% of its branch deposits. By the capital ratios in its Q2 2026 call report, Frontier Bank of Texas meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1213 Highway 290 E, Elgin, TX 78621
- County
- Bastrop
- Metro Area
- Austin-Round Rock-San Marcos, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 11, 2007
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 101
- Domestic deposits
- $903.9M
- Allowance for credit losses
- $5.5M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $1.08B
- Average total loans
- $884.7M
- Average interest-bearing deposits
- $721.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 11, 2007
- FDIC Cert
- 58509
- Fed RSSD
- 3472046
- SEC CIK
- 1830811 → filed by FRONTIER COMMUNITY BANCSHARES, INC.
- Website
- www.frontierbankoftexas.com →
- Parent Holding Company
- FRONTIER COMMUNITY BANCSHARES, INC. (RSSD 4721291)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Frontier Bank of Texas reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Frontier Bank of Texas's total assets moved between a low of $738.8M (Q3 2023) and a high of $1.08B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.08B total assets against $976.8M; $970.5M total liabilities against $887.3M.
$883.4M net loans and leases against $789.9M; $903.9M total deposits against $813.6M.
$75.8M securities against $91.1M; $75.4M cash and balances due against $55.9M.
$17.5M total interest income against $15.0M; $5.5M total interest expense against $5.5M.
$12.0M net interest income against $9.5M.
$894K total noninterest income against $704K; $5.9M total noninterest expense against $5.5M.
$153K provision for credit losses against $476K.
$5.4M net income against $3.3M.
1.99% return on assets against 1.41%; 4.60% net interest margin against 4.18%.
10.05% tier 1 leverage ratio against 9.88%.
Inside the full Frontier Bank of Texas terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Frontier Bank of Texas rankings
Its closest position to the top of a national ranking is 463 of 3,606, for efficiency ratio; its furthest is 2,271 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.31% (Q3 2024) to 1.99% (Q2 2026) and its net interest margin ran from 4.02% (Q3 2024) to 4.60% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.05% | 1.99% | 0.15% | 1.96% | 4.60% |
| Q1 2026 | 9.75% | 1.73% | 0.06% | 1.32% | 4.33% |
| Q4 2025 | 9.94% | 1.76% | 0.08% | 1.59% | 4.51% |
| Q3 2025 | 9.69% | 1.77% | 0.25% | 3.05% | 4.50% |
| Q2 2025 | 9.88% | 1.41% | 0.21% | 2.84% | 4.18% |
| Q1 2025 | 9.89% | 1.66% | 0.03% | 1.33% | 4.24% |
| Q4 2024 | 9.57% | 1.33% | 0.12% | 2.04% | 4.10% |
| Q3 2024 | 10.12% | 1.31% | 0.02% | 1.34% | 4.02% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Frontier Bank of Texas (main office) | Elgin , TX | 78621 | $432.7M |
| Burnet Road Branch | Austin , TX | 78756 | $131.8M |
| Bastrop Branch | Bastrop , TX | 78602 | $111.3M |
| Manor Branch | Manor , TX | 78653 | $100.3M |
| Taylor Branch | Taylor , TX | 76574 | $42.3M |
| Smithville Branch | Smithville , TX | 78957 | $36.5M |
| Leander Branch Office | Leander , TX | 78641 | $20.9M |
| Frontier Bank of Texas - Round Rock Branch | Round Rock , TX | 78681 | $16.8M |
| Georgetown Branch | Georgetown , TX | 78628 | $11.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 121 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 141 applications, 112 loans originated, $61.2M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $2.1M approved, $347K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Frontier Bank of Texas
What are Frontier Bank of Texas's total assets?
As of the Q2 2026 filing, Frontier Bank of Texas reported total assets of $1.08 billion in its FFIEC call report.
Where is Frontier Bank of Texas headquartered?
It is headquartered in Elgin, TX, United States.
When was Frontier Bank of Texas founded?
It was established in 2007, per the FDIC institution directory.
Is Frontier Bank of Texas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58509). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Frontier Bank of Texas?
Frontier Bank of Texas's primary federal regulator is the FDIC.
How many branches does Frontier Bank of Texas operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Frontier Bank of Texas's Texas Ratio?
Its Texas Ratio is 1.96% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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