Frontier Bank of Texas: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 1039.54 percentage points higher than in Q1 2026, at 2251.03%. Within Texas, Frontier Bank of Texas is 69th of 345 on return on assets, 1.99% as of Q2 2026, above the middle of the field. Against a median of 1.28% for banks in the $1B-10B asset tier, Frontier Bank of Texas reported 1.99% on return on assets in Q2 2026, 0.71 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.05% |
| Equity capital to assets | 9.86% |
| Tangible equity to tangible assets | 9.86% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.03% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.96% |
| Allowance for credit losses to loans | 0.62% |
| Reserve coverage of non-performing loans | 2251.03% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.99% |
| Return on equity | 20.83% |
| Net interest margin | 4.60% |
| Efficiency ratio | 45.94% |
| Yield on earning assets | 6.71% |
| Cost of funds | 2.28% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.34% |
| Core deposits to total deposits | 82.41% |
| Brokered deposits to total deposits | 10.20% |
| Deposits to assets | 83.96% |
| Securities to assets | 7.04% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.54% | 1.36% | 4.01% | 0.54% | -0.13% |
| Q4 2023 | 9.76% | 1.18% | 4.10% | 0.01% | -0.02% |
| Q1 2024 | 9.71% | 1.34% | 3.66% | 0.01% | 0.01% |
| Q2 2024 | 10.11% | 1.32% | 4.02% | 0.01% | -0.01% |
| Q3 2024 | 10.12% | 1.31% | 4.02% | 0.02% | 0.00% |
| Q4 2024 | 9.57% | 1.33% | 4.10% | 0.01% | 0.03% |
| Q1 2025 | 9.89% | 1.66% | 4.24% | 0.01% | 0.01% |
| Q2 2025 | 9.88% | 1.41% | 4.18% | 0.20% | 0.03% |
| Q3 2025 | 9.69% | 1.77% | 4.50% | 0.25% | -0.01% |
| Q4 2025 | 9.94% | 1.76% | 4.51% | 0.05% | 0.00% |
| Q1 2026 | 9.75% | 1.73% | 4.33% | 0.05% | -0.00% |
| Q2 2026 | 10.05% | 1.99% | 4.60% | 0.03% | 0.00% |
Frontier Bank of Texas vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Frontier Bank of Texas, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)