BlastPoint's Banking Scorecard
Frontier Bank of Texas
Community
Specialty: Commercial
TX
FDIC cert 58509
Elgin, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Frontier Bank of Texas has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 39% in Community
- + Profitability Leader: Top 48% in Community
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 75% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+14.3% YoY
+1.0% QoQ
|
-$365.1M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$849.2M
+20.8% YoY
+3.6% QoQ
|
-$126.2M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
61% |
| Total Deposits ? |
$859.1M
+13.5% YoY
+0.6% QoQ
|
-$305.5M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
1.65%
+24.2% YoY
+2.7% QoQ
|
+0.49% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
4.40%
+9.4% YoY
+1.4% QoQ
|
+0.74% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
51.57%
-9.4% YoY
-0.7% QoQ
|
-11.07% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
0.08%
-29.5% YoY
-67.1% QoQ
|
-0.55% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
98.85%
+6.4% YoY
+3.0% QoQ
|
+15.78% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.02%
-12.9% YoY
+2.1% QoQ
|
-1.03% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.16%
-18.9% YoY
-45.5% QoQ
|
-0.34% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
69% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.32%
+3.5% YoY
+31.0% QoQ
|
-0.42% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#146 of 371 · Top 39% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.08%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Profitability Leader
growth
#178 of 371 · Top 48% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.65%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Concerns (1)
NIB Deposit Bleed
decline
#67 of 89 · Bottom 75% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
20.02%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
84
84th pctile
Net Interest Margin
Current: 4.40% · Tier avg: 3.66%
84
84th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.16%
81
81th pctile
Efficiency Ratio
Current: 51.57% · Tier avg: 62.63%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.50%
61
61th pctile
Total Loans
Current: $849.2M · Tier avg: $975.5M
51
51th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
51
51th pctile
Total Deposits
Current: $859.1M · Tier avg: $1.2B
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 20.02% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
15
15th pctile
Loan-to-Deposit Ratio
Current: 98.85% · Tier avg: 83.06%
Top Weaknesses
15
15th pctile
Loan-to-Deposit Ratio
Current: 98.85% · Tier avg: 83.06%
26
26th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 20.02% · Tier avg: 21.05%
51
51th pctile
Total Deposits
Current: $859.1M · Tier avg: $1.2B
51
51th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
61
61th pctile
Total Loans
Current: $849.2M · Tier avg: $975.5M
69
69th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.50%
81
81th pctile
Efficiency Ratio
Current: 51.57% · Tier avg: 62.63%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.16%
84
84th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
84
84th pctile
Net Interest Margin
Current: 4.40% · Tier avg: 3.66%