PackageTrendsPeer
Letter portraitLegal landscape

Frontier Bank

Lamar, CO · Cert 14730 · Whitcorp Financial Co.

State charter, non-member · FDIC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

66

Q2 2024Q2 2026peer median (50)

Asset Quality

66

Q2 2024Q2 2026peer median (50)

Profitability

73

Q2 2024Q2 2026peer median (50)

Liquidity

24

Q2 2024Q2 2026peer median

Efficiency

94

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Frontier Bank

Lamar, CO · Cert 14730 · Whitcorp Financial Co.

State charter, non-member · FDIC · 1 affiliate bank · 8 branches (17 in holding)

Q2 2026

$436.4MAssets
$209.5MLoans
$388.9MDeposits
$43.7MEquity
Loan mix
95%RE $166.2M4%C&I $6.2M1%Consumer $1.8MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $312.1M20%Noninterest $76.8MQ2 2025Q2 2026

NIM

4.57%Q2 ’244.75%Q2 ’254.98%Q2 ’26+14%+15%

Non-interest income vs. expense

1.70%Q2 ’241.78%Q2 ’251.81%Q2 ’26+2%+6%

Market Position · Pueblo, CO · 2026 SOD (annual) · 1.6% share · #13 of 13 inst. · $0.0B of $2.2B

37.9% Prowers
17.8% Kit Carson
39.4% Baca
1.6% Pueblo

Executive Summary

  • Earnings: ROA of 1.67%, up 15 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 0.32% of loans (+31 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.78%, down 12 bps from a year ago.
  • Funding: loans stand at 53.87% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.67%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.63%+46 bps YoY

Efficiency Ratio (YTD, annualized)

44.14%-410 bps YoY

Tier 1 Leverage Ratio

10.78%-12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.52%1.60%1.53%1.65%1.67%+15 bps
Return on Equity16.91%17.25%16.26%16.64%16.73%-18 bps
Net Interest Margin3.17%3.32%3.34%3.59%3.63%+46 bps
Efficiency Ratio48.24%47.24%48.53%42.73%44.14%-410 bps
Non-Interest Burden1.26%1.29%1.35%1.26%1.34%+8 bps
Growth
Asset Growth (YoY)-1.02%2.07%3.49%3.14%5.95%+697 bps
Loan Growth (YoY)1.48%-0.62%-0.75%4.68%8.12%+664 bps
Deposit Growth (YoY)3.97%7.36%1.83%1.43%5.53%+156 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.01%0.20%0.32%+31 bps
Net Charge-Offs / Loans0.01%0.01%0.00%-0.01%0.00%-2 bps
Allowance / Loans2.06%2.02%2.01%2.00%2.00%-6 bps
Allowance Coverage of NPLs159.4x173.2x190.0x10.2x6.2x-153.2x
Capital
Tier 1 Leverage Ratio10.90%11.12%10.83%10.85%10.78%-12 bps
Total Risk-Based Capital19.88%19.99%19.85%18.89%19.26%-62 bps
Equity / Assets9.43%10.01%10.11%9.78%10.01%+58 bps
Liquidity & Funding
Loans / Deposits52.57%52.67%52.20%51.81%53.87%+129 bps
Liquid Assets / Assets1.93%2.48%3.30%1.85%1.24%-69 bps
CRE / Total Capitaln/a82.37%90.41%98.85%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Frontier Bank

Lamar, CO · Cert 14730 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Whitcorp Financial Co.

State charter, non-member · FDIC · 1 affiliate bank · 8 branches (17 in holding)

Q2 2026

$436.4MAssets
$209.5MLoans
$388.9MDeposits
$43.7MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 94% of banks under $1B in assets operating in a single state (rank 43 of 746).
  • Widest gap: equity / assets trails 57% of banks under $1B in assets operating in a single state (rank 427 of 746).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.65%

Rank 124 of 746

Net Interest Margin

3.63%

Rank 390 of 746

Efficiency Ratio

44.14%

Rank 43 of 746

Equity / Assets

10.01%

Rank 427 of 746

Non-interest income vs. expense

$2.1M$8.0MINCOMEEXPENSE
Unfavorable gap of $5.9M · efficiency ratio beats 94% of banks under $1B in assets operating in a single state
Bank 44.14%Peer median 64.6%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.65%0.72%1.06%1.45%Beats 83%124 / 746
Return on Equity16.45%6.74%10.51%13.63%Beats 89%79 / 746
Net Interest Margin3.63%3.17%3.68%4.16%Beats 48%390 / 746
Efficiency Ratio44.14%55.74%64.58%75.47%Beats 94%43 / 746
Asset Quality
Nonperforming Loans / Loans0.32%0.09%0.42%1.07%Beats 58%313 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 74%195 / 743
Capital
Tier 1 Capital Ratio18.00%11.55%13.75%17.60%Beats 77%174 / 746
Total Risk-Based Capital Ratio19.26%11.71%14.33%18.43%Beats 79%160 / 746
Equity / Assets10.01%8.90%10.51%13.06%Beats 43%427 / 746
Liquidity & Funding
Loans / Deposits53.87%61.31%78.27%90.78%16th pctl627 / 746
Loans / Assets48.01%53.60%66.97%76.08%18th pctl611 / 746
Brokered Deposits / Depositsn/aNot reported for this institution