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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

4.74%Q2 ’244.84%Q2 ’255.11%Q2 ’26+14%+14%

Non-interest income vs. expense

1.74%Q2 ’241.91%Q2 ’251.91%Q2 ’26+10%+1%

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 1.68%, up 20 bps year over year; NIM at 3.74%.
  • 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 (quarter, annualized)

1.68%+20 bps YoY

Net Interest Margin (quarter, annualized)

3.74%+47 bps YoY

Efficiency Ratio (quarter, annualized)

45.48%-540 bps YoY

Tier 1 Leverage Ratio

10.78%-12 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.48%1.75%1.33%1.65%1.68%+20 bps
Return on Equity16.12%18.03%13.24%16.64%16.97%+85 bps
Net Interest Margin3.27%3.54%3.57%3.59%3.74%+47 bps
Efficiency Ratio50.88%45.40%52.12%42.73%45.48%-540 bps
Non-Interest Burden1.43%1.32%1.61%1.26%1.44%+2 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%0.00%-0.01%-0.01%0.00%-1 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