This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Elgin, TX
Health score
86.3
Total assets
$1.1B
Bank
Dallas, TX
Health score
78.9
Total assets
$1.1B
Answer first
Frontier Bank of Texas leads on financial health and profitability and lending quality; T Bank, National Association leads on capitalization and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Frontier Bank of Texas
Higher TFS health score
Capitalization
T Bank, National Association
Higher comparable capital ratio
Profitability
Frontier Bank of Texas
Higher return on assets
Lending quality
Frontier Bank of Texas
Lower problem-loan measure
Growth
T Bank, National Association
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Frontier Bank of Texas | T Bank, National Association |
|---|---|---|
| TFS health score | 86.3/100Leads | 78.9/100 |
| Total assets | $1.1B | $1.1B |
| Total deposits / shares | $903.9M | $955.6M |
| Tier 1 capital ratio | 10.05% | 10.67%Leads |
| Return on assets | 1.89%Leads | 1.22% |
| Return on equity | 19.54%Leads |
Frontier Bank of Texas
11 branches
T Bank, National Association
1 branches
Both institutions report branches in 1 state: TX.
Frontier Bank of Texas
Unavailable
T Bank, National Association
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Frontier Bank of Texas
0 in TFS registry
T Bank, National Association
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Frontier Bank of Texas score | Frontier Bank of Texas ROA | T Bank, National Association score | T Bank, National Association ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.32% | — | 1.44% |
| 2024-Q4 | — | 1.33% | — | 1.24% |
| 2025-Q1 | — | 1.66% | — | 1.46% |
| 2025-Q2 | — | 1.52% | — | 1.31% |
| 2025-Q3 | — | 1.61% | — | 1.39% |
| 2025-Q4 | — | 1.65% | — | 1.53% |
| 2026-Q1 | 86.1/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 9.90% |
| Non-performing loans | 0.15%Leads | 2.89% |
| Net charge-offs | -0.00%Leads | 0.34% |
| Efficiency ratio | 48.24%Leads | 68.80% |
| Loan-to-deposit ratio | 97.73% | 95.12% |
| Asset growth (YoY) | 10.22% | 11.63%Leads |
| Deposit / share growth (YoY) | 11.10% | 11.54%Leads |
| Branches | 11 | 1 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.76% |
| 77.7/100 |
| 1.37% |
| 2026-Q2 | 86.3/100 | 1.89% | 78.9/100 | 1.22% |