TellerScore

Frontier Bank of Texas (FDIC certificate #58509) is based in Elgin, Texas. Its Q2 2026 call report shows $1.1B in total assets and $903.9M in deposits and 11 offices.

Frontier Bank of Texas has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 160th. Earnings contributes the most (96/100, 1.89%); funding & liquidity contributes the least (49/100, 98% loans-to-deposits, 27% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 10.05%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.15%
Earnings96/100
Return on assets (annualized): 1.89%
Funding & liquidity49/100
Loans ÷ deposits and uninsured-deposit share: 97.7% · 27.0% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.96%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (70 → 75), mostly because the earnings component improved by 15 points.

TellerScore
697275Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202472
Q4 202469
Q1 202574
Q2 202570
Q3 202571
Q4 202573
Q1 202674
Q2 202675
Tier 1 leverage ratio
5.00%7.56%10.12%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.11%
Q3 202410.12%
Q4 20249.57%
Q1 20259.89%
Q2 20259.88%
Q3 20259.69%
Q4 20259.94%
Q1 20269.75%
Q2 202610.05%
Noncurrent loans
0.02%0.14%0.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.06%
Q3 20240.02%
Q4 20240.12%
Q1 20250.03%
Q2 20250.21%
Q3 20250.25%
Q4 20250.08%
Q1 20260.06%
Q2 20260.15%
Return on assets
1.32%1.60%1.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.32%
Q3 20241.32%
Q4 20241.33%
Q1 20251.66%
Q2 20251.52%
Q3 20251.61%
Q4 20251.65%
Q1 20261.76%
Q2 20261.89%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$1.1B10.05%0.15%1.89%97.7%
Q1 202674$1.1B9.75%0.06%1.76%96.7%
Q4 202573$1.0B9.94%0.08%1.65%98.8%
Q3 202571$1.0B9.69%0.25%1.61%96.0%
Q2 202570$976.8M9.88%0.21%1.52%97.1%
Q1 202574$942.6M9.89%0.03%1.66%94.1%
Q4 202469$897.9M9.57%0.12%1.33%92.9%
Q3 202472$867.7M10.12%0.02%1.32%93.6%
Q2 202471$840.7M10.11%0.06%1.32%91.8%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.05%
38th
Total risk-based capital0.00%
13th
Problem loans0.15%
82nd
Net charge-offs-0.00%
87th
Return on assets1.89%
85th
Net interest margin4.58%
89th
Efficiency ratio48.2%
81st
Loans to deposits97.7%
20th
Uninsured deposits27.0%
63rd
Loan-loss reserves0.62%
7th
Texas ratio2.0%
70th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank of McGregorBank Mc Gregor, TX42 out of 100, Below average$1.1B9.5%2.72%vs
First Command BankBank Fort Worth, TX82 out of 100, Strong$1.1B10.2%0.42%vs
United Texas Bank, National AssociationBank Dallas, TX78 out of 100, Strong$1.1B16.0%0.00%vs
T Bank, National AssociationBank Dallas, TX45 out of 100, Below average$1.1B10.7%2.89%vs
UBankBank Huntington, TX69 out of 100, Moderate$1.0B10.5%0.46%vs
R BankBank Round Rock, TX50 out of 100, Below average$1.0B9.0%1.55%vs

Deposit insurance

Is my money safe at Frontier Bank of Texas?

Yes. Frontier Bank of Texas is an FDIC-insured institution (FDIC certificate #58509). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.0% of deposits ($244.4M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.05%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Frontier Bank of Texas lists 9 offices in 9 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Frontier Bank of Texas reported 136 home-loan applications under HMDA (LEI 254900IHP9HX92C8DX39): 112 originated ($61,160,000 total), 11 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Frontier Bank of Texas
Type
State-chartered bank
FDIC certificate #
58509
RSSD ID
3472046
Primary regulator
FDIC
Holding company
Frontier Cmty Bancshares Inc
Established
June 11, 2007
Headquarters
1213 Highway 290 E, Elgin, TX 78621
Employees
101

Quick answers

Frontier Bank of Texas: common questions

Is Frontier Bank of Texas FDIC insured?

Yes. Frontier Bank of Texas is an FDIC-insured institution (FDIC certificate #58509). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Frontier Bank of Texas's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Frontier Bank of Texas ever failed?

There is no failure record for FDIC certificate #58509 in the FDIC failed bank list.

How many branches does Frontier Bank of Texas have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Elgin

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens National BankBank Cameron, TX86 out of 100, Very strong$691.8M12.7%0.00%vs
Pecu Credit UnionCredit union Austin, TX86 out of 100, Very strong$431.4M14.8%0.47%vs
The City National Bank of TaylorBank Taylor, TX82 out of 100, Strong$250.3M12.9%0.38%vs
Round Top State BankBank Round Top, TX80 out of 100, Strong$974.1M11.9%0.36%vs
First Texas BankBank Georgetown, TX80 out of 100, Strong$1.3B11.2%0.58%vs
Broadway National BankBank San Antonio, TX79 out of 100, Strong$5.4B10.9%0.19%vs