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Frontier Bank Of Texas
Elgin, TX · FDIC Certificate #58509 · Chartered 06/1
Total assets
$1.08B
Total deposits
$903.91M
Total equity
$106.11M
Net loans
$883.42M
Branches (offices)
9
Net income (YTD)
$9.94M
Rank: #977 of 4,213 U.S. banks by assets · #85 of 346 in Texas. Assets changed 10.2% and deposits 11.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.89% |
| Return on equity | 19.54% |
| Net interest margin (YTD) | 4.58% |
| Equity to assets | 9.86% |
| Tier 1 leverage ratio | 10.05% |
| Uninsured deposits (share of deposits) | 27.0% |
| Noncurrent loans (share of loans) | 0.15% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 97.7% |
| Real estate loans (share of loans) | 85.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $758.43M | 85.9% | |
| Commercial & industrial | $76.64M | 8.7% | |
| Consumer / individual | $41.84M | 4.7% | |
| Construction & development | $101.10M | 11.4% | |
| Agricultural | $10.18M | 1.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $644.74M | $573.18M | $5.66M | $58.18M |
| Jun 2023 | $701.60M | $600.82M | $5.44M | $67.50M |
| Jun 2024 | $840.72M | $708.22M | $5.52M | $79.20M |
| Jun 2025 | $976.79M | $813.63M | $7.14M | $89.51M |
| Jun 2026 | $1.08B | $903.91M | $9.94M | $106.11M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $903.92M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $903.92M.
Similar-sized banks
The First National Bank Of Bemidji ($1.08B) · The First National Bank Of Mcgregor ($1.08B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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