Frontier Bank of Texas: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 11.65 percentage points lower than in Q1 2026, at 219.58%. Among 346 Texas banks, Frontier Bank of Texas sits 22nd from the top on loan-to-deposit ratio, 98.34% as of Q2 2026. Frontier Bank of Texas reported 98.34% on loan-to-deposit ratio for Q2 2026, 10.14 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $888.9M |
| Net loans and leases | $883.4M |
| Loans held for sale | $0 |
| Loans to total assets | 82.56% |
| Loan-to-deposit ratio | 98.34% |
| Net loans to equity capital | 8.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.92% |
| Multifamily (5+ residential) | 1.99% |
| Commercial and industrial | 8.62% |
| Consumer | 4.71% |
| Credit cards | 0.00% |
| Farm | 7.25% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 219.58% |
| Construction concentration (Tier 1 capital + allowance) | 88.55% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.25% |
| Interest income on loans | $16.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $563.8M | $636.9M | 44.41% | 5.86% | 1.41% |
| Q4 2023 | $586.0M | $755.0M | 44.92% | 5.78% | 1.37% |
| Q1 2024 | $586.5M | $683.8M | 43.47% | 6.36% | 1.52% |
| Q2 2024 | $654.0M | $708.2M | 43.82% | 8.70% | 2.95% |
| Q3 2024 | $683.7M | $725.8M | 45.72% | 7.35% | 3.22% |
| Q4 2024 | $707.7M | $756.9M | 43.49% | 8.02% | 4.05% |
| Q1 2025 | $750.0M | $792.1M | 46.05% | 7.67% | 4.48% |
| Q2 2025 | $794.9M | $813.6M | 43.15% | 8.05% | 5.14% |
| Q3 2025 | $825.2M | $854.3M | 43.79% | 6.26% | 5.02% |
| Q4 2025 | $854.6M | $859.1M | 43.15% | 5.83% | 4.71% |
| Q1 2026 | $871.1M | $894.9M | 42.59% | 6.73% | 4.73% |
| Q2 2026 | $888.9M | $903.9M | 40.92% | 8.62% | 4.71% |
Frontier Bank of Texas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Frontier Bank of Texas, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Frontier Bank of Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58509) · FFIEC NIC profile (RSSD 3472046)