Why Banking Local Matters: A Conversation with Brittany Rogers of Frontier Bank

At the Judah Ross Group, we’re not just about buying and selling real estate—we’re about building relationships that help our clients thrive. One of the most valuable relationships a person or business can have is with a trusted local banker.

That’s why I was thrilled to sit down with my friend and community leader, Brittany Rogers, Senior Vice President, Bastrop County, at Frontier Bank of Texas, to talk about what it really means to bank local in Bastrop County.

Meet Brittany Rogers: Community Banker, Lender, Neighbor

Brittany serves as  Senior Vice President, Bastrop County at Frontier Bank, where she helps individuals and businesses secure financing, manage accounts, and grow through every phase of life. From processing loan draw requests for construction projects to attending local chamber events, Brittany day is a balance of banking and community building.

“Being a community banker is all about relationships,” she says. “We want to walk with our customers through all the major milestones—buying a home, starting a business, planning for college.”

Community Banking vs. Big Banks: Why the Local Difference Matters

Brittany explained that unlike national banks, where customers often feel like just a number, community banks prioritize personal connection. With Frontier, clients can actually talk to their banker—on the phone, via text, or in person—and get fast, clear answers.

I’ve experienced this firsthand. In real estate transactions, timing and communication are everything. Working with Brittany versus a national lender is night and day. My clients get updates faster, underwriting goes smoother, and if there’s ever an issue, we have someone local we can count on.

Getting Started with a Local Bank

If you’re considering starting a relationship with a community bank, Brittany recommends:

• Picking up the phone or scheduling an in-person meeting

• Opening an account

• Bringing your financials if applying for a loan (personal and business financial statements, tax returns, bank statements)

For entrepreneurs, a business plan and projections are also helpful when applying for commercial loans.

Let’s Talk Loans: Commercial & Land

Commercial Real Estate Loans

For business owners looking to purchase property, Frontier offers competitive commercial loans, typically with:

• 20–25 year amortization

• 15%+ down payment (more if it’s unimproved land)

• Approval timelines as fast as 1–2 days if within local authority

Land Loans

Buying land? If it’s for a future primary residence, you could qualify for as little as 15% down with a 15-year term. More money down can unlock lower rates and extended terms. These are typically fixed for the first 3–5 years and based on Wall Street Journal prime.

Bastrop County Growth & the Elon Effect

Brittany sees Bastrop following in the footsteps of fast-growing counties like Hays and Williamson. Strategic planning by local governments will be critical to maintaining the quality of life residents love.

While Elon Musk’s companies (SpaceX, Boring Co., X/Twitter) have brought buzz and investors, Brittany points out that Bastrop’s appeal isn’t just about one company—it’s about affordability, location, and a community spirit that’s second to none.

Living and Loving Local Life

Brittany and her husband moved to Bastrop nearly 10 years ago and instantly felt at home. From riverfront dining and outdoor adventures to the charm of downtown, Brittany says it’s the people that make Bastrop special.

Her community involvement extends beyond banking—she supports local schools, businesses, and families, and she’s passionate about mentoring the next generation of professionals.

Thinking About a Career in Banking?

Brittany's career began in high school as a loan file clerk through a co-op program. She encourages students to explore internships and entry-level roles like teller or personal banker. What matters most? A positive attitude and great customer service skills.

“There’s so much opportunity if you’re motivated to learn,” she says.

Frontier Bank Locations

Headquartered in Elgin, Frontier Bank has locations across Central Texas, including Bastrop, Smithville, Round Rock, and Georgetown. A new downtown Bastrop office is currently being renovated and expected to open in late summer 2025.

Get in Touch

If you're ready to build a lasting relationship with a local banker, Brittany is just a call, email, or text away. She’s happy to meet in person at any location—or even come to you.

Final Thoughts

Whether you're buying land, starting a business, or just want a more personal banking experience, Frontier Bank and leaders like Brittany Rogers are what make Bastrop shine. I’m grateful to know her, to work with her, and to share this conversation with you.

👉 Want to connect with Brittany? Visit Frontier Bank's Website or contact her directly through one of the Bastrop County branches.

Email: [email protected]
Phone: (254) 220-9607
NMLS # 1481796

Full Youtube Interview - https://youtu.be/dXk9zShOGco 

Stay tuned for more local spotlights and real estate insights here on the blog—and don’t forget to subscribe to our Blog and YouTube channel!

—
Judah Ross, Realtor & Founder of Judah Ross Group 512.998.1957