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We will be closed Thursday, June 19th in observance of Juneteenth.
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Patrick Johnson is a dynamic leader in the banking industry since 1999. An unwavering champion of innovation, big ideas, and creativity, Patrick is the leading force behind the strategic growth of Frontier Bank’s expansion and overall direction. He is a community banker at heart and seeks to bring the best of community banking to Central Texas businesses and families. That model includes the best bankers, personal advice, great technology & convenient locations. A father of 3 young children, Patrick loves to spend time with Cortney, Aidan, Armour & Arrow and loves Tex-Mex from Corpus Christi.
Contact
Email: pjohnson@frontierbankoftexas.bank
Phone: (512) 281-1533
What is your dream car?
Dodge Challenger Hellcat (I won’t ever buy one, but I would like to scare my wife in one).
If you could have a superpower, what would it be?
Be a healer. How powerful it would be to heal someone with the wave of your hand.
What is your favorite food?
Partial to a perfectly grilled steak and any Tex-Mex in Corpus Christi.
Most famous person you have met?
Sandra Bullock. Ok, I didn’t meet her, but I was on a plane she was on, does that count?
What was your favorite toy as a kid?
Good ole USA-made Tonka trucks. The metal ones that had lead paint and all that. The ones that pinched your fingers if you made the wrong decision.
What do you do for fun?
We love to travel with our three beautiful kids and spend as much time as we can with them.
What is your personal motto?
Control your destiny, or someone else will. – Jack Welch
What character traits do you admire most?
Leadership
Do you have any hidden talents?
I can belt out a few tunes at any karaoke bar you want to take me to. You buy, I sing, you leave, I sing some more, I get asked to leave because no one is buying.
As Frontier Bank’s Chief Operating Officer, Evelyn Franco is responsible for transformational initiatives across the bank’s footprint to modernize and scale important enterprise capabilities designed to position the bank for future growth. She provides leadership and execution of digital transformations, operating model design, organizational change management, and bank-wide cost and operations improvements. She brings 19 years of experience in retail banking, innovation, banking operations, and leadership of successful cross-functional teams. She has a deep-rooted commitment to excellence and service to the community. In her downtime, she enjoys spending time with her husband and two dogs, hiking, and traveling.
Contact
Email: efranco@frontierbankoftexas.bank
Phone: (512) 281-1590
Why do you love Frontier Bank of Texas?
I love Frontier Bank because of the bank’s character, culture, and capacity. I have immense respect for the team and enjoy building relationships with our customers.
What do you find is the most challenging part of banking?
Changing customer demographics plays a significant role in raising customer expectations. With each new generation of banking customers comes a more innate understanding of technology and, as a result, an increased expectation of digitized experiences. We have to remain agile, pivot quickly, and innovate soundly to thrive as an industry. Our bank is built on tradition, and we are committed to delivering the same friendly personal experience they have grown accustomed to while embracing the digital world.
Do you have a pet, and what is their name?
I have a 2-year-old English Bulldog mix named Little Cupcake I adopted from the Bastrop Animal Shelter and a six-month-old Miniature Australian Shepherd mix adopted from Austin Pets Alive. My fur babies bring joy and laughter into my life.
If you could have a superpower, what would it be?
I would be a healer. I am so thankful for all the medical advancements in our world today, but to have the ability to heal would be the most beautiful gift of all. To some degree, we all need some sort of healing.
What do you do for fun?
I enjoy hiking, canyoneering, and reading.
What is your favorite food?
I’m not much of a foodie, but my guilty pleasure is desserts.
World’s greatest dinner party, who’s on your list?
Albert Einstein, Anton Zeilinger, Stephen Hawking, Masaru Emoto, and Neil deGrasse Tyson. I would just sit in a corner and listen to them talk passionately about cosmology, quantum entanglement, nebulas, consciousness, and the universe.
Describe yourself in 3 words.
Ambitious, creative, and kind.
What is your personal motto?
When I stand in front of God at the end of my life, I would hope that I would not have a single bit of talent left and could say, “I used everything you gave me.”
Josh Petrus joined Frontier Bank in 2019 as Senior Vice President, Director of Finance and Accounting. As CFO, his responsibilities include managing and directing all accounting, financial, and reporting activities for the bank, budgeting, bank investments, interest risk management, and shareholder relations. He is a prominent contributor to the bank’s financial operations and functions that drive the company’s growth. Before joining the bank, He worked as an accountant at a South Texas Community Bank. Josh holds a bachelor’s degree in finance and accounting from the University of Texas Corpus Christi. Outside work, Josh loves to play golf and spend time with his family and dog, Ava. Frontier Bank is excited to be equipped with a talented Chief Financial Officer who creates the frameworks to lead financial transformation and handle increasingly complex challenges.
Contact
Email: jpetrus@frontierbankoftexas.bank
Phone: (512) 281-1518
How long have you been in banking?
8 Years
Why do you love Frontier Bank of Texas?
The team of people I get to work with every day is top notch
What music is playing in your car right now?
Texas Country
Do you have pets and if so, what are their names?
Yes, a Doberman named Ava.
What is your favorite food?
Steak, medium-rare, with asparagus
What character trait do you most admire?
Integrity
What do you do for fun?
I enjoy golf and going to a golf course I have not played before.
Vicki Dumbeck is an Executive Vice President and Elgin Market President of Frontier Bank of Texas. She manages all aspects of consumer real estate lending, including loan recommendations, loan production, and credit policies and procedures. With over 35 years of banking and lending experience, Vicki has worked in most areas of the bank and specializes in consumer and real estate lending. As a leader and a natural collaborator, she understands that the right combination of financial expertise, close customer relationships, and superior customer service puts a small-town bank in a unique position to build a stronger financial institution and a stronger community at the same time. By nurturing close relationships with individual customers, community institutions, and businesses of all sizes, she has enhanced the bank’s ability to serve as an engine for growth in Central Texas When asked why she loves Frontier Bank, Vicki replied, “We have the greatest customers….that’s why!”
Contact
Email: vdumbeck@frontierbankoftexas.bank
Phone: (512) 281-1504
What is your dream car?
Jaguar
If you could have a superpower, what would it be?
Being able to fly.
What is your favorite food?
Peanut butter and diet Dr.Pepper, of course are the foods from the Gods!
Who is your favorite superstar?
Sean Connery.
What was your favorite toy as a kid?
Hula Hoop! I was the best hula-hooper on the block!
What do you do for fun?
Gardening
What is your personal motto?
“Get it done!”
What character traits do you admire most?
Being able to laugh at yourself.
Wanda brings 40+ years of banking experience to Frontier Bank of Texas. Wanda has tremendous knowledge of the banking world and always puts her customers first. Along with being a Sr. Vice President for Frontier Bank, Wanda is the manager of our Bastrop Bank. Stop on by…Wanda will make you feel at home. Wanda said, “We are truly a hometown bank when asked why she loves Frontier Bank. We love our customers and employees like family.”
Contact
Email: wrucker@frontierbankoftexas.bank
Phone: (512) 303-6001
Who is your favorite Superstar?
George Strait
Do you have any nicknames?
Lou Lou
Who would you like to meet and why?
My Great, Great, Grandfather, and Grandmother. I would like to hear the stories of their journey from Germany to the United States and Texas.
Do you have any pets, and what are their names?
We have horses, 14 Alpacas, 3 Llamas, 4 Dwarf Nigerian goats (Lucy and her babies, Jolene, Trudy & Charlotte), and many other animals that we love dearly.
If you could have a superpower, what would it be?
Rid the world of all cancer.
What do you do for fun?
I love spending time with my husband and value the time spent with our animals. Each has its own personality, especially our babies (Mia, Ferdinand & Jack Frost) and our baby alpacas.
What is your personal motto?
Hard work and dedication is the key to success.
What character traits do most admire?
Honesty
Cole can rope and ride with the best of them! He holds an MBA in Agricultural Education and a bachelor’s degree in Agricultural Leadership from Texas Tech University. Bolton serves as a Director of Small Business and Commercial Banking since 2019, and previous to that, he was a Senior Vice President of Commercial Banking. Bolton is responsible for developing small business and commercial bankers to deliver best-in-class community banking. He is passionate about providing top-notch deposit and loan solutions with expedited service throughout Central Texas. He enjoys competitive calf roping, team roping, and bay fishing. Bolton and his wife are residents and owners of a beef cattle operation in Austin, where he raises heifers to breed and pre-conditions yearlings.
Contact
Email: cbolton@frontierbankoftexas.bank
Phone: (512) 281-1523
What music is playing in your car right now?
Texas Country, Reckless Kelly
Do you have any pets, and what are their names?
Yes, two horses named Jewel and Raider.
What is your favorite food?
Mexican
Who is your favorite superstar?
Peyton Manning
Do you have any hidden talents?
Yes, I can make voice impressions.
What is your personal motto?
A firm handshake and honesty will take you everywhere you need to go in life.
What character traits do you most admire?
Honesty
Why do you love Frontier Bank of Texas?
Great staff + Great Customers = Great Place to Work!
As Frontier Bank’s Vice President of Strategy and Training, Sarah Gutierrez is responsible for executing senior management strategic initiatives to provide best-in-class services for planning, designing, deploying, and supporting digital banking technology tools. Contributes to the internal development of our banking practice through participation in areas such as business development, training, toolkit development, and customer experience. Identifies development needs across the organization and implements processes and solutions to support employee growth and promote a high-performing organization. She monitors training effectiveness and actively contributes to the organization’s continuous improvement. Additional responsibilities include providing core systems management for banking platforms & solutions- easing integration touch points and crafting platform capabilities to unlock business growth both on digital platforms and in-branch experience. Sarah has 14 years of banking experience and a bachelor’s degree in Business Administration from Trident University. In her downtime, she loves spending time with her husband, Garrett, and their two young children, Rhett and Gage.
Contact
Email: sgutierrez@frontierbankoftexas.bank
Phone: (512) 303-6013
What’s your favorite food?
A medium rare steak or sushi
What do you do for fun?
I enjoy spending time with my family and traveling
What is your personal motto?
There is no failure. You either win or you learn.
What character traits do you admire most?
Integrity
Describe yourself in 3 words.
Reliable, Friendly, and Ambitious
If you could have a superpower, what would it be?
The ability to heal people would be the ultimate superpower.
Do you have a pet, and what is their name?
A 10 year old chocolate lab named Jill.
Brady Johnson, Senior Vice President and Director of Compliance and Audit, brings over 30 years of experience in regulatory compliance, risk management, and internal auditing within the financial services industry. With an MBA in Finance from Auburn University, a BA in History from Southern Methodist University, and certifications like CRCM, Brady oversees risk assessments, compliance training, and regulatory adherence at Frontier Bank. Dedicated to continuous improvement, he ensures compliance excellence across all areas. Outside of work, Brady enjoys quality time with his wife and children.
Contact
Email: bjohnson@frontierbankoftexas.bank
Phone: (210) 296-6175
How long have you been in banking?
32 Years
Do you have pets and if so, what are their names?
Yes, we have a Goldendoodle puppy named Bella.
If you could have a superpower, what would it be?
It would be the ability to fly. Flying away from danger or fly to help someone
What is your favorite food?
A grilled steak with a baked potato.
Who would you most like to meet and why?
My 3x Great Grandfather. Would love to know more about my family’s history.
What do you do for fun?
Golf, Bowling, Genealogy, Cooking/Baking, and Spending time with family
Do you have any hidden talents?
Baking. Cookies and cakes, especially cheesecakes.
What is your personal motto?
Whatever doesn’t kill you makes you stronger. – Friedrich Nietzsche.
Describe yourself in 3 words?
Resilient, Thoughtful, Observant
Most famous person you’ve met?
Emeril Lagasse
Amanda Osmera is a Senior Human Resource professional with over 20 years of experience providing quality, common sense HR guidance to leaders and executives. With over 7 years of financial industry experience, Amanda provides strategic oversight and is evolving the people function to ensure Frontier is positioned for even more organizational success. She spends her time partnering with leaders to build progressive tools and inspire process innovations that ensure employees can spend their time doing meaningful work. Amanda, a resident of Bastrop, has a bachelor’s in Psychology from the University of Nebraska and attained a master’s degree in Business Management from Bellevue University. She and her husband enjoy spending time with their 22 Nigerian Dwarf Goats and a Great Dane/Lab mix “puppy” named Sven.
Contact
Email: aosmera@frontierbankoftexas.bank
Phone: (512) 281-1503
What do you find is the most challenging part of banking?
Keeping up with technology, digitization, and digital transformation and ensuring our teams and customers always know what to expect and what is expected.
Why do you love Frontier Bank of Texas?
I love interacting with the customers and team members, I learn something new every day!
What music is playing in your car right now?
I usually listen to podcasts, but I always look for upbeat, classic funk for an energy boost and pick me up. New Orleans swing jazz also does the trick!
What is your dream car?
Hmm…Nothing specific comes to mind but I dream of a car with zero carbon footprint.
What was your favorite toy as a kid?
Don’t recall many special toys but I loved all my books.
Do you have any nicknames?
My family and friends back home often refer to me as “Mandy”.
Do you have pets and if so, what are their names?
If you could have a superpower, what would it be?
Seriously, who would not want to fly?! Sounds fun, looks easy, and good for the environment!
If a genie gave your one wish, what would it be?
All in the world had fresh drinking water available to them.
Who is your favorite superstar?
If I could wear anyone’s jersey, it would be Brene Brown. I just love her humor and humility and messages of how we can bring more kindness and compassion to the world.
What is your favorite food?
Pho
Who would you most like to meet and why?
Oprah, she has such great energy!