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
Unfavorable gap of $5.9M · efficiency ratio beats 94% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.65% | 0.72% | 1.06% | 1.45% | Beats 83% | 124 / 746 | |
| Return on Equity | 16.45% | 6.74% | 10.51% | 13.63% | Beats 89% | 79 / 746 | |
| Net Interest Margin | 3.63% | 3.17% | 3.68% | 4.16% | Beats 48% | 390 / 746 | |
| Efficiency Ratio | 44.14% | 55.74% | 64.58% | 75.47% | Beats 94% | 43 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.09% | 0.42% | 1.07% | Beats 58% | 313 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 74% | 195 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 18.00% | 11.55% | 13.75% | 17.60% | Beats 77% | 174 / 746 | |
| Total Risk-Based Capital Ratio | 19.26% | 11.71% | 14.33% | 18.43% | Beats 79% | 160 / 746 | |
| Equity / Assets | 10.01% | 8.90% | 10.51% | 13.06% | Beats 43% | 427 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 53.87% | 61.31% | 78.27% | 90.78% | 16th pctl | 627 / 746 | |
| Loans / Assets | 48.01% | 53.60% | 66.97% | 76.08% | 18th pctl | 611 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |