PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Frontier Community

Leavenworth, KS · Charter 63201

NCUA · 5 branches

Q2 2026

$210.3MAssets
$158.7MLoans
$189.6MShares
$19.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.31%, up 20 bps year over year; NIM at 4.70%.
  • Asset quality: problem loans at 1.15% of loans (+2 bps YoY).
  • Capital: net worth / assets of 9.15%, up 18 bps from a year ago.
  • Funding: loans stand at 83.72% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.31%+20 bps YoY

Net Interest Margin (quarter, annualized)

4.70%+35 bps YoY

Efficiency Ratio (quarter, annualized)

83.17%+12 bps YoY

Net Worth / Assets

9.15%+18 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.27%-0.33%-0.06%0.11%0.25%0.35%0.28%0.31%+20 bps
Return on Equity-2.88%-3.63%-0.71%1.19%2.74%3.75%3.01%3.37%+219 bps
Net Interest Margin3.80%3.96%4.34%4.34%4.45%4.52%4.62%4.70%+35 bps
Efficiency Ratio94.19%93.01%88.56%83.05%79.95%79.45%86.53%83.17%+12 bps
Growth
Asset Growth (YoY)4.56%-3.96%-4.94%-3.16%1.05%1.84%1.90%1.50%+466 bps
Loan Growth (YoY)5.32%0.67%-0.04%-3.34%-0.47%0.89%0.85%5.26%+861 bps
Share Growth (YoY)8.26%-0.25%-1.66%-0.18%1.24%1.10%1.29%0.94%+112 bps
Asset Quality
Delinquent Loans / Loans1.46%1.60%1.30%1.13%1.12%1.12%1.02%1.15%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.28%9.19%9.04%8.97%9.11%9.25%9.17%9.15%+18 bps
Net Worth / Assets9.28%9.19%9.04%8.97%9.11%9.25%9.17%9.15%+18 bps
Liquidity & Funding
Loans / Shares83.78%83.99%82.04%80.29%82.37%83.81%81.69%83.72%+343 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps