Frontier Bank of Texas

Frontier Bank of Texas is headquartered in Elgin and is the 355^th largest bank in the state of Texas. It is also the 4,497^th largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 23 employees at 2 locations. Frontier Bank of Texas has a 5-star health rating.

Frontier Bank of Texas Routing Number: 114925547

Data for Q1 2012

Institution Statistics Frontier Bank of Texas FDIC Certificate # 58509 BankRate Report View Year Established 2007 Employees 23 Primary Regulator FDIC Assets and Liabilities Assets $118.58 million Loans $58.31 million Deposits $93.62 million Equity Capital $24.79 million Loan Loss Allowance $323,000 Unbacked Noncurrent Loans $91,000 Historic Data - March 2011 Assets $97.88 million Equity Capital $24.49 million Loan Loss Allowance $276,000 Unbacked Noncurrent Loans $2,000 Profit Margin - Quarterly Net Interest Margin 3.41% Return on Assets 0.47% Return on Equity 2.25% Interest Income $1.11 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Frontier Bank of Texas had $91,000 in non-current loans and owned real-estate with $25.11 million in equity and loan loss allowances on hand to cover it. This gives Frontier Bank of Texas a Texas Ratio of 0.36% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Frontier Bank of Texas held steady from 0.01% as of March 31, 2011 to 0.36% as of March 31, 2012, resulting in a negative change of 4,386.58%. This indicates that the balance sheet and financial strength for Frontier Bank of Texas has held steady in recent periods. Deposit Growth In the past year, Frontier Bank of Texas has increased its total deposits by $20.39 million, resulting in 27.84% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Frontier Bank of Texas has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Frontier Bank of Texas has $118.58 million in assets with $25.11 million in equity, resulting in a capitalization level of 21.18%, which is excellent.

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