Total Assets
$1.0B
Total balance-sheet footings
FDIC Cert #58509 · Elgin, Texas · Est. 2007
Frontier Bank of Texas - FDIC Bank Health Profile
A community-scale look at Frontier Bank of Texas's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.0B
- Total assets
- B
- Health grade · Good
- 1.65%
- Return on assets
- 9.9%
- Tier 1 capital
Data updated July 2026
The verdict
Frontier Bank of Texas earns a PlainBankData health grade of B (75/100), with 9.94% Tier 1 capital, profitable at 1.65% ROA, efficient (52% cost ratio).
- #1,018
- largest of 4,313 FDIC banks by assets
- 76th
- percentile by asset size, nationally
- 9.94%
- Tier 1 ratio - below the 10% well-capitalized line
- 81st
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Frontier Bank of Texas's 75/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Frontier Bank of Texas's composite health score
Tier 1 Capital Ratio (9.94%) 18/40
Return on Assets (ROA) (1.65%) 25/25
Texas Ratio (0.67%) 20/20
Efficiency Ratio (51.57%) 12/15
75 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$859M
Customer-funded liabilities
Net Loans
$849M
Outstanding loan book
Net Income
$16M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Frontier Bank of Texas ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Frontier Bank of Texas's score of 75/100 falls in the highlighted band.
Frontier Bank of Texas's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Frontier Bank of Texas's $1.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.94% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.94%
Texas Ratio
0.67%
Equity Capital
$99M
Profitability metrics
Return on Assets (ROA)
81st percentile nationally
1.65%
Return on Equity (ROE)
17.74%
Efficiency Ratio
51.57%
What the numbers say about Frontier Bank of Texas
Frontier Bank of Texas is an FDIC-insured institution (Certificate #58509) headquartered in Elgin, Texas, established in 2007. It holds $1.0B in total assets - 1,018th of 4,313 FDIC-insured banks, $859M in customer deposits, and $849M in net loans. On safety, its Tier 1 capital ratio of 9.94% is below the 10% well-capitalized threshold, and its Texas Ratio of 0.67% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (75/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Texas, Frontier Bank of Texas ranks 87th of 350 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$63M
Interest Income
$3M
Non-Interest Income
$23M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Frontier Bank of Texas reports a Texas Ratio of 0.67% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.67% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Frontier Bank of Texas (FDIC Cert #58509) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is Frontier Bank of Texas's health grade?▼
Frontier Bank of Texas receives a health grade of B (75/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Frontier Bank of Texas?▼
Frontier Bank of Texas holds $1.0B in total assets and $859M in deposits, ranking 1,018th of 4,313 FDIC-insured banks by asset size. It is headquartered in Elgin, Texas.
Is my money safe at Frontier Bank of Texas?▼
Yes, deposits at Frontier Bank of Texas (Certificate #58509) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Frontier Bank of Texas's Tier 1 Capital Ratio?▼
Frontier Bank of Texas has a Tier 1 Capital Ratio of 9.94%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Frontier Bank of Texas?▼
Frontier Bank of Texas has a Texas Ratio of 0.67%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Frontier Bank of Texas?▼
Frontier Bank of Texas has an Efficiency Ratio of 51.57%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Frontier Bank of Texas's profile as a depositor or analyst.
- Frontier Bank of Texas's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Frontier Bank of Texas against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.