| Metric | Frontier Bank of Texas | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +5.5% | +4.8 pts |
| Deposit growth (YoY) | +11.1% | +5.1% | +6.0 pts |
| Loan growth (YoY) | +11.8% | +5.9% | +5.9 pts |
| ROA | 1.89% | 1.26% | +0.6 pts |
| ROE | 19.5% | 12.2% | +7.4 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.08B | $903.9M | $883.4M | $106.1M | $9.9M | 1.89% | 4.58% | 0.20% |
| Q1 2026 | $1.05B | $894.9M | $865.7M | $100.3M | $4.6M | 1.76% | 4.44% | 0.13% |
| Q4 2025 | $1.03B | $859.1M | $849.2M | $98.8M | $16.0M | 1.65% | 4.40% | 0.16% |
| Q3 2025 | $1.02B | $854.3M | $820.0M | $93.6M | $11.6M | 1.61% | 4.34% | 0.30% |
| Q2 2025 | $976.8M | $813.6M | $789.9M | $89.5M | $7.1M | 1.52% | 4.23% | 0.28% |
| Q1 2025 | $942.6M | $792.1M | $745.4M | $87.2M | $3.8M | 1.66% | 4.30% | 0.13% |
| Q4 2024 | $897.9M | $756.9M | $703.1M | $83.1M | $11.4M | 1.33% | 4.03% | 0.20% |
| Q3 2024 | $867.7M | $725.8M | $679.4M | $83.9M | $8.3M | 1.32% | 3.94% | 0.14% |
Loan mix (Q2 2026): real estate $758.4M · commercial $76.6M · consumer $41.8M · securities $75.8M
| Ratio | Frontier Bank of Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.89% | 1.26% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 19.5% | 12.2% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.58% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.2% | 59.0% | 19th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Frontier Bank of Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Frontier Bank of Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Frontier Bank of Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Frontier Bank of Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Frontier Bank of Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
9 branches in 3 counties across 1 state (+2 vs 2024) · $813.6M branch deposits. Biggest market: Bastrop, TX, ranked 2nd with 23.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bastrop, TX | 3 | $519.4M | 23.46% | 2nd |
| Travis, TX | 2 | $223.3M | 0.39% | 30th |
| Williamson, TX | 4 | $70.9M | 0.40% | 35th |
Texas: 161st with 0.05% · Austin-Round Rock-San Marcos metro: 19th, 0.97% ·
Branch count: 2022 6 · 2023 7 · 2024 7 · 2025 9