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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 58509 · TX B · 75/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (75/100)
  • MID-PACK #2553/4307
  • PHOTO-FINISH Jonah Bank of Wyoming · WY
  • TIER1-ADEQ 9.9% Tier 1
  • TEXAS-CLEAN 0.7% Texas
  • ROA-STRONG 1.65% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: Jonah Bank of Wyoming, WY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Frontier Bank of Texas

Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100California Internati… · CA ·…75/100EntreBank · MN · near75/100Frontier Bank of Texas · TX …75/100Jonah Bank of Wyoming · WY ·…75/100Merchants Commercial… · VI ·…75/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Frontier Bank of Texas · July 2026

Call Report read for Frontier Bank of Texas in a high-failure state

Frontier Bank of Texas (FDIC Cert #58509) carries a PlainBankData health grade of B at 75/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,553 of 4,307. Tier 1 capital prints at 9.94%, missing the 10% well-capitalized line. The Texas Ratio is 0.67%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.65%. Balance-sheet scale is $1.0B, 1,018th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Jonah Bank of Wyoming (WY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Frontier Bank of Texas

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

Frontier Bank of Texas sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about Frontier Bank of Texas's current Call Report.

  • SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
  • ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
  • FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.

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.

0/100100/100National avg77/10075/100
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 Assets

$1.0B

Total balance-sheet footings

Total Deposits

$859M

Customer-funded liabilities

Net Loans

$849M

Outstanding loan book

Net Income

$16M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.54% 9.94% 11.34%
Basel III capital ratios - Frontier Bank of Texas

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

75 41st percentile higher than 41% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Frontier Bank of Texas 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at Frontier Bank of Texas

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

What these ratios mean →

Earnings posture at Frontier Bank of Texas

Return on Assets (ROA)
81st percentile nationally
1.65%
Return on Equity (ROE)
17.74%
Efficiency Ratio
51.57%

What these mean →

Income & expense at Frontier Bank of Texas

$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.

FDIC Failed Bank List → View Frontier Bank of Texas on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

Top 5 banks in Texas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.0B here), outside Texas so the neighborhood is not state containment.

Olympia Federal Savings and Loan Asso… $1.0B · WA Cornhusker Bank $1.0B · NE Security Financial Bank $1.0B · WI Brentwood Bank $1.0B · PA

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.

Frontier Bank of Texas Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Texas

All Texas banks →
BankAssetsGradeROA
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%