Frontier Bank of Texas: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Frontier Bank of Texas of Elgin, TX against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.99% | 1.46% | +0.53% | 87th top |
| ROAE | 20.83% | 12.71% | +8.12% | 91st top |
| Net Interest Margin | 4.60% | 3.85% | +0.75% | 90th top |
| Efficiency Ratio | 45.94% | 57.41% | -11.47% | 85th top |
| PPNR / Avg Assets | 2.57% | 1.88% | +0.69% | 89th top |
| Yield on Earning Assets | 6.71% | 5.72% | +0.99% | 92nd top |
| Cost of Funds | 2.28% | 2.02% | +0.26% | 31st below |
| Net Interest Spread | 3.85% | 3.18% | +0.67% | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 1.00% | -0.97% | 95th top |
| NPA / Total Assets | 0.11% | 0.76% | -0.65% | 85th top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 78th top |
| ACL / Total Loans | 0.62% | 1.31% | -0.69% | 6th bottom |
| ACL / NPLs (Coverage) | 2251.03% | 542.62% | +1708.41% | — |
| Texas Ratio | 1.96% | 7.39% | -5.43% | 77th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.05% | 11.44% | -1.39% | 38th below |
| Equity / Assets | 9.86% | 11.34% | -1.48% | 40th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 9.86% | 10.50% | -0.64% | 52nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.34% | 86.95% | +11.39% | 21st bottom |
| Core Deposit Ratio | 82.41% | 85.56% | -3.15% | 26th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 5.39% | 5.70% | -0.31% | 39th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.22% | 9.68% | +0.54% | 77th top |
| Loan Growth (Y/Y) | 11.82% | 8.05% | +3.77% | 78th top |
| Deposit Growth (Y/Y) | 11.10% | 7.87% | +3.23% | 78th top |
See Frontier Bank of Texas's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Frontier Bank of Texas, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Frontier Bank of Texas profile, how to read a UBPR, or how this data updates.