Frontier Bank of Texas: how it compares with its peers
Against 101 TX banks with half to twice its assets, Frontier Bank of Texas's strongest measure in Q2 2026 is return on assets (1.89% vs. a 1.42% peer median). Its weakest relative measure is net interest margin (4.58% vs. 4.13%).
| Measure | Frontier Bank of Texas | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.89% | 1.42% | Top third Ahead of 83% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.58% | 4.13% | Top third Ahead of 74% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.24% | 61.07% | Top third Ahead of 82% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.7M | $8.2M | Top third Ahead of 74% of peers |
| Loans to deposits Net loans and leases over total deposits. | 97.73% | 77.81% | Context |
What it means for lending operations
Its efficiency ratio of 48.24% is better than the 61.07% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The First National Bank of McGregor Mc Gregor, TX · $1.08B
- First Command Bank Fort Worth, TX · $1.08B
- United Texas Bank, National Association Dallas, TX · $1.05B
- T Bank, National Association Dallas, TX · $1.10B
- UBank Huntington, TX · $1.05B
- R Bank Round Rock, TX · $1.03B
Questions about Frontier Bank of Texas
How big is Frontier Bank of Texas?
Frontier Bank of Texas, established in 2007, is headquartered in Elgin, TX. It reported $1.08B in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is Frontier Bank of Texas's return on assets?
1.89% annualized in Q2 2026, against a 1.42% median for 101 TX banks with half to twice its assets, ahead of 83% of them.
What is Frontier Bank of Texas's efficiency ratio?
48.24% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 61.07%, and lower is better.
Is Frontier Bank of Texas growing its loans?
Net loans grew 11.8% over the year to Q2 2026, while deposits grew 11.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.