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Frontier Bank

Sioux Falls, SD · Cert 33922 · Rock Rivers Bcorp

State savings bank · OCC · 5 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 regionally3

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 regionally (n=94). 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

31

Q2 2024Q2 2026peer median (50)

Asset Quality

83

Q2 2024Q2 2026peer median (50)

Profitability

13

Q2 2024Q2 2026peer median (50)

Liquidity

57

Q2 2024Q2 2026peer median

Efficiency

18

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

Sioux Falls, SD · Cert 33922 · Rock Rivers Bcorp

State savings bank · OCC · 5 branches

Q2 2026

$349.2MAssets
$241.5MLoans
$323.8MDeposits
$23.5MEquity
Loan mix
91%RE $183.8M7%C&I $14.3M2%Consumer $3.1MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $291.4M10%Noninterest $32.5MQ2 2025Q2 2026

NIM

4.82%Q2 ’245.04%Q2 ’255.23%Q2 ’26+23%+16%

Non-interest income vs. expense

2.20%Q2 ’242.41%Q2 ’252.66%Q2 ’26+16%+11%

Market Position · Sioux Falls, SD-MN · 2026 SOD (annual) · 0.0% share · #29 of 42 inst. · $0.1B of $1127.8B

33.6% Lyon
0.0% Minnehaha

Executive Summary

  • Earnings: ROA of 0.39%, up 4 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.76%, up 4 bps from a year ago.
  • Funding: loans stand at 74.57% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.39%+4 bps YoY

Net Interest Margin (YTD, annualized)

2.96%+42 bps YoY

Efficiency Ratio (YTD, annualized)

78.77%-332 bps YoY

Tier 1 Leverage Ratio

8.76%+4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.38%0.43%0.29%0.39%+4 bps
Return on Equity5.77%6.15%6.76%4.40%5.83%+6 bps
Net Interest Margin2.54%2.59%2.61%2.90%2.96%+42 bps
Efficiency Ratio82.08%81.41%80.11%79.08%78.77%-332 bps
Non-Interest Burden2.02%2.03%2.01%2.20%2.24%+23 bps
Growth
Asset Growth (YoY)6.40%1.51%4.18%1.94%0.69%-571 bps
Loan Growth (YoY)15.76%11.79%8.54%7.32%1.57%-1,419 bps
Deposit Growth (YoY)10.18%8.53%6.51%4.45%3.65%-653 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.01%0.02%0.00%0.01%+1 bps
Allowance / Loans1.09%1.15%1.14%1.12%1.15%+6 bps
Allowance Coverage of NPLsn/a654.0xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.72%8.76%8.73%8.71%8.76%+4 bps
Total Risk-Based Capital11.76%12.27%12.30%12.15%12.32%+56 bps
Equity / Assets5.95%6.52%6.75%6.61%6.73%+78 bps
Liquidity & Funding
Loans / Deposits76.10%71.97%74.73%76.73%74.57%-153 bps
Liquid Assets / Assets11.94%12.92%11.87%11.45%12.76%+82 bps
CRE / Total Capitaln/a311%346%353%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

Sioux Falls, SD · Cert 33922 · Peer group: banks under $1B in assets operating regionally (n=94) · Rock Rivers Bcorp

State savings bank · OCC · 5 branches

Q2 2026

$349.2MAssets
$241.5MLoans
$323.8MDeposits
$23.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating regionally (rank 6 of 94).
  • Widest gap: equity / assets trails 94% of banks under $1B in assets operating regionally (rank 88 of 94).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.39%

Rank 80 of 94

Net Interest Margin

2.96%

Rank 87 of 94

Efficiency Ratio

78.77%

Rank 78 of 94

Equity / Assets

6.73%

Rank 88 of 94

Non-interest income vs. expense

$1.4M$9.2MINCOMEEXPENSE
Unfavorable gap of $7.8M · efficiency ratio beats 18% of banks under $1B in assets operating regionally
Bank 78.77%Peer median 62.4%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.39%0.82%1.19%1.46%Beats 15%80 / 94
Return on Equity5.74%7.85%11.84%14.03%Beats 16%79 / 94
Net Interest Margin2.96%3.42%3.81%4.18%Beats 7%87 / 94
Efficiency Ratio78.77%55.99%62.41%73.02%Beats 18%78 / 94
Asset Quality
Nonperforming Loans / Loans0.00%0.19%0.47%1.14%Beats 100%6 / 94
Net Charge-Offs / Loans0.01%0.00%0.02%0.05%Beats 65%34 / 94
Capital
Tier 1 Capital Ratio11.28%10.28%11.95%15.07%Beats 39%57 / 94
Total Risk-Based Capital Ratio12.32%10.31%12.59%15.88%Beats 48%49 / 94
Equity / Assets6.73%8.98%10.21%11.41%Beats 6%88 / 94
Liquidity & Funding
Loans / Deposits74.57%72.62%84.44%94.55%27th pctl69 / 94
Loans / Assets69.16%62.50%72.84%78.99%39th pctl57 / 94
Brokered Deposits / Depositsn/aNot reported for this institution