FRONTIER CMTY BANCSHARES INC is the bank holding company. FRONTIER BANK OF TEXAS is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

FRONTIER CMTY BANCSHARES INC

Legal name: FRONTIER COMMUNITY BANCSHARES, INC.

1 active bank · $1.1B combined assets

RSSD ID: 4721291 (FFIEC NIC)

Combined Assets

$1.1B

CRA Rating Summary

Satisfactory1charter

Across all 5 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFRONTIER BANK OF TEXASELGIN, TXSatisfactory$1.1BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$1.1B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$895M

Net Income

$5M

ROA (avg)

1.76%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

142

Origination Rate

74.65%

Denial Rate

9.86%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
FRONTIER BANK OF TEXAS	ELGIN, TX	FDIC	$1.1B	100.0%	Satisfactory	Apr 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.