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
Unfavorable gap of $7.8M · efficiency ratio beats 18% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.39% | 0.82% | 1.19% | 1.46% | Beats 15% | 80 / 94 | |
| Return on Equity | 5.74% | 7.85% | 11.84% | 14.03% | Beats 16% | 79 / 94 | |
| Net Interest Margin | 2.96% | 3.42% | 3.81% | 4.18% | Beats 7% | 87 / 94 | |
| Efficiency Ratio | 78.77% | 55.99% | 62.41% | 73.02% | Beats 18% | 78 / 94 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.19% | 0.47% | 1.14% | Beats 100% | 6 / 94 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.05% | Beats 65% | 34 / 94 | |
| Capital |
| Tier 1 Capital Ratio | 11.28% | 10.28% | 11.95% | 15.07% | Beats 39% | 57 / 94 | |
| Total Risk-Based Capital Ratio | 12.32% | 10.31% | 12.59% | 15.88% | Beats 48% | 49 / 94 | |
| Equity / Assets | 6.73% | 8.98% | 10.21% | 11.41% | Beats 6% | 88 / 94 | |
| Liquidity & Funding |
| Loans / Deposits | 74.57% | 72.62% | 84.44% | 94.55% | 27th pctl | 69 / 94 | |
| Loans / Assets | 69.16% | 62.50% | 72.84% | 78.99% | 39th pctl | 57 / 94 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |