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New Frontier Bank

Saint Charles, MO · Cert 35597 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Lincoln County Bcorp Inc.

State charter, Fed member · FED · 3 affiliate banks · 3 branches (23 in holding)

Q2 2026

$175.7MAssets
$134.6MLoans
$158.9MDeposits
$16.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the St. Louis, MO-IL area (rank 2 of 38).
  • Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in the St. Louis, MO-IL area (rank 40 of 40).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.80%

Rank 27 of 40

Net Interest Margin

3.37%

Rank 16 of 40

Efficiency Ratio

69.64%

Rank 26 of 40

Equity / Assets

9.08%

Rank 26 of 40

Non-interest income vs. expense

$0.3M$4.3MINCOMEEXPENSE
Unfavorable gap of $4.0M · efficiency ratio beats 37% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 69.64%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.80%0.64%1.04%1.26%Beats 33%27 / 40
Return on Equity8.84%6.25%9.97%13.41%Beats 43%23 / 40
Net Interest Margin3.37%3.09%3.22%3.62%Beats 60%16 / 40
Efficiency Ratio69.64%57.08%64.37%75.86%Beats 37%26 / 40
Asset Quality
Nonperforming Loans / Loans0.00%0.14%0.62%1.92%Beats 100%2 / 38
Net Charge-Offs / Loans0.00%0.00%0.01%0.09%Beats 74%11 / 38
Capital
Tier 1 Capital Ratio9.25%10.29%12.88%15.77%Beats 0%40 / 40
Total Risk-Based Capital Ratio9.25%10.64%13.30%17.01%Beats 0%40 / 40
Equity / Assets9.08%8.59%9.46%12.46%Beats 35%26 / 40
Liquidity & Funding
Loans / Deposits84.74%66.12%79.48%94.60%60th pctl16 / 40
Loans / Assets76.61%54.69%68.52%77.46%73rd pctl11 / 40
Brokered Deposits / Depositsn/aNot reported for this institution