🏦Bank Scorer

FRONTIER BANK OF TEXAS

ELGIN, TX · Supervised by FDIC

Est. 2007FDIC #58,509RSSD: FDIC-58509
Part ofFRONTIER CMTY BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: April 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.76%

Institution Profile

FDIC BankFind

Address

1213 Highway 290 E, ELGIN, TX

County

Bastrop County

Established

June 11, 2007

Total Assets

$1.1B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Apr 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.1B

Total Deposits

$895M

Net Loans

$866M

Net Income

$5M

ROA

1.76%

ROE

18.35%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate9.86%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

9

Branch Deposits

$814M

1-Year Change

+2

5-year net change: +4 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202414274.65%9.86%
202314087.14%5.71%
202215286.84%5.26%
202115785.99%4.46%
202011887.29%5.08%
201912488.71%5.65%
201811090.91%7.27%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 2010

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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