Frontier Bank of Texas
Elgin, TX
IDRSSD: 3472046
Total Assets
$1.03B
Latest filing
Total Deposits
$859.15M
Latest filing
Net Interest Margin
4.54%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
114925547ELGIN, TX
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Frontier Bank of Texas
1213 Highway 290 E
Elgin, TX 78621
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/11/2007FDIC Certificate 454915
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Frontier Bank of Texas (Main) | 1213 Highway 290 E | Elgin, TX |
| BASTROP BRANCH | 1500 Chestnut St | Bastrop, TX |
| AUSTIN LPO | 2200 Lake Austin Blvd | Austin, TX |
| BURNET ROAD BRANCH | 5600 Burnet Rd | Austin, TX |
| MANOR BRANCH | 12400 Gregg Manor Rd | Manor, TX |
| LEANDER BRANCH OFFICE | 2080 Highway 183 | Leander, TX |
| FRONTIER BANK OF TEXAS - ROUND ROCK BRANCH | 7509 Oconnor Dr | Round Rock, TX |
| TAYLOR BRANCH | 813 N Main St | Taylor, TX |
Showing 7 of 10
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/11/2007 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 78621 |
| State and County Number | 48021 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Austin-Round Rock-Georgetown, TX |
Operational Info
| Number of Employees | 96 |
| Domestic Offices | 11 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 06/11/2007 |
| Primary Insurance Agency | DIF |
| Website | www.frontierbankoftexas.com |
| Data Updated | 01/30/2026 |
| CERT | 58509 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.03B |
| Total Deposits | $859.15M |
| Total Liabilities | $927.49M |
| Total Equity Capital | $98.83M |
| Net Income | $4.49M |
| Net Loans and Leases | $849.24M |
| Assets Per Employee ($Millions) | $10.69M |
| Bank Premises and Fixed Assets | $29.62M |
| Cash and Balances due from Depository Institutions | $60.88M |
| Deposits Held in Domestic Offices | $859.15M |
Key Performance Ratios
| Return on Assets (ROA) | 1.76% |
| Return on Equity (ROE) | 18.66% |
| Net Interest Margin | 4.54% |
| Efficiency Ratio | 50.53% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.63% |
| Earning Assets to total Assets | 95.59% |
Income and Expense
| Total Interest Income | $16.72M |
| Total Noninterest Income | $808.00k |
| Total Interest Expense | $5.66M |
| Total Noninterest Expense | $6.00M |
| Net Interest Income | $11.06M |
| Pre-tax Net Operating Income | $5.70M |
| Provision for Credit Losses | $174.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $966.00k |
| Other borrowed funds | $60.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.34M |
| Total Liabilities and Capital | $1.03B |
Securities
| Securities | $75.75M |
| Available-for-sale debt securities | $75.75M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Frontier Bank of Texas?
$1.03B as of the latest filing.
How much are Frontier Bank of Texas's total deposits?
$859.15M in total deposits.
Where is Frontier Bank of Texas located?
Elgin, TX.
What is the Net Interest Margin?
4.54%.
How many domestic offices does it operate?
11.
When was it established?
06/11/2007.
What is the Return on Assets (ROA)?
1.76%.
How much are total loans and leases?
$849.24M (latest filing).
What is the total interest income (latest filing)?
$16.72M.