# FRONTIER BANK OF TEXAS
ELGIN, TX · FDIC certificate 58509 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.08B | |
| Deposits | $903.9M | |
| Loans and leases | $888.9M | |
| Total equity | $106.1M | |
| Loans / deposits | 97.73% (p80 of band) | 87.10% |
| Liquid assets / assets | 14.04% (p19 of band) | |
| Uninsured deposits / deposits | 27.03% (p37 of band) | 30.76% |
| Brokered deposits | 8.56% | |
| Wholesale funding | 13.95% (p77 of band) | |
| FHLB advances / assets | 4.92% | |
| Tier 1 leverage | 10.05% (p38 of band) | 10.50% |
| Unrealized securities loss / equity | -3.00% (p74 of band) | -7.75% |
| AOCI / equity | -0.05% (p70 of band) | |
| ROA (annualized) | 1.89% (p84 of band) | 1.26% |
| Net interest margin | 4.58% (p89 of band) | 3.70% |
| Efficiency ratio | 48.24% (p20 of band) | |
| Noncurrent loans | 0.15% (p18 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p13 of band) | |
| Reserve coverage of noncurrent | 424.03% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 95.27% (p86 of band) | |
| Auto loans | $37.5M (4.22% of loans; DQ 0.09%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 11.1% | |
| Employees | 101 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 1 | uninsured deposits leaving |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | uninsured deposits leaving |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | charge-offs p90 |  |
| 2019-12 | 1 |  | charge-offs p90 |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | capital falling |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 1 | construction >100% equity | capital falling |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | construction >100% equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-28 [Frontier Bank of Texas to open second branch in Buda | San Marcos - Buda - Kyle - Community Impact](https://news.google.com/rss/articles/CBMisAFBVV95cUxPd2ZWb19sVW93bFhobjFaUmJoYnBOYjkzeE5tMF9uNFZkSzF0M2J3NlBXUWwtOHNXd1J4S2xZV21kdnVnR2g2SnZHdmU3bHVVRmhhZGFuZU5JWXd1bXRhd2lMekVQUjVPV3ZBT211RTR3TE1SeWtFVWk2ay12WlUyNGdvMXFuUmQwYUlxd1l1Vk1jWm5CVnUzcTZnUG1Kdzh2NUhHVGZKVHI0OGdUVUc1OA?oc=5) · Community Impact
- 2026-05-23 [Nancy Graham Obituary - Elgin, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE0wRFJOdS1qb3p6UHo5Ni1RMG5qanVxZnB4OHRMVlF5TjdsdnV1Y3BkcG9zZG5jRWRSUlVReVVZaFhoWGEwUm9GRXpBZHFRaVE2UjNnc3lSczRzaS1wTm92OFhHd2JCdHhkQmNrWUJMMk16clYxUTlhd0FDMzZkZw?oc=5) · Dignity Memorial
- 2025-04-08 [Best Banks and Credit Unions in Texas 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPaHVBQTVTZmk3enlkTEFtTmNFVlFWMlpoMmJXcXZocEVHeXp1dmNJS1daUkpqVDROaXhqbnRhQXFSRmJfNXNmSkJhYW9UZDctTUl5bzVKQkpuWUpfNDg3TGRSajRaTFFYa2hpX1BUSFh6OGdibzFUX050UktoUmQtdTlqanY2NGM2cWNj?oc=5) · Newsweek Rankings
- 2023-01-10 [Martin retires from Frontier - elgincourier.com](https://news.google.com/rss/articles/CBMid0FVX3lxTFBtVmtIblBNLUdHZXcxazJlSWhybFNycmxJVlplSmhmY0ZqaUx3VVJ0ZmJhR3NSQ2pUTHUyZkRtOXc4c2NDSVZRSnhEamlZTWFZTDFsYlJ0b3U5Y253bWE0bFg5VHVkb0tPTzVOdll4aTV6dERxdWw4?oc=5) · elgincourier.com
- 2025-04-09 [America's Best Regional Banks and Credit Unions 2025 - Texas - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNcjBZanBlODQ3dWF6andRNFV2bi1qUU5UV3lGVXpKNU5iVFQ1S0dvbzRLQlJIQzJ4S3Rsa0pNMjJsbTBkNG1ZR1Y1S2JOOVVlckdsaTlCY1dsR0I3WDQyalF0VllMTm5WdFNxTGlmbkFyNHA3WlduNUl5elFrR2l0Z2JPb1ZuQmJnSkNR?oc=5) · Newsweek Rankings
- 2024-11-25 [Meet the 2024 Top Workplaces winners for Austin area - Austin American-Statesman](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQMDVETDNsTDhGalYxSW8tNWdVSWVzN0s0Q2s0dUNqNDNuYXp2d1FnTG9nLVA4VzcxSjc1WnhESGIyUzg5SVhVazRKTFRXYWdzaW5JSG40STJ1NmpzTXJVbm5vdG9FcUVfYVB3Q2kxU0tISFo0TEZzUFlsaTZIa3UxaVZvdDVzYTAwU1VzbGtfOWlQMDNIVHExNU12ejlhVDlxTzJSWEVlZUtpWkY0aVZlS2tFeGtQZW5z?oc=5) · Austin American-Statesman
- 2023-04-05 [UPCOMING EVENTS - Taylor Press](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1SN2JWQXRWUjUwQ1JYbXpOamx2dUJLX3pFMDBVemFhM1BMaUpxSFJlZFRVMkRIbmNfNlBiMGsxNW5EZlRxUGhhLVhyc0VKVE54MmU0dXNoNXc1YnhTcWJXLXlXM0lBYUk?oc=5) · Taylor Press
- 2025-11-11 [Check out 6 Buda business updates | San Marcos - Buda - Kyle - Community Impact](https://news.google.com/rss/articles/CBMilwFBVV95cUxNbnV1SjlhZXR6NGE1SzVlSmREazJ3Z2Q0Y3lKcFZqN1N3cVdtTGRZa3NQSks2aFFtUmFSbXJEOXgxUHZXazZBQ2NrN3VDbFlZUWR4MDNVblpJS2ZpUktmM3BLSFpaTDd1TG9ObnFKZ0NXTGZmR1duYVV2cTFRU0c2V1BkTWtEeWlsWUowaUVjVXNPZGhOeVkw?oc=5) · Community Impact

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58509 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/13.json (key "58509", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide