Frontier Bank (Sioux Falls, SD): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Frontier Bank operates with a thinner capital cushion than most banks of its size. Based in Sioux Falls, South Dakota, it had $349 million in assets at June 30, 2026. It funds 8.76% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Earnings jumped: net income for the quarter was $516,000, 47% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $8.4 million equal 28% of Tier 1 capital, down from 42% a year earlier. Its margin is thin by comparison: it keeps 3.14 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Frontier Bank reported a CET1 capital ratio of 11.28%, a return on assets of 0.60%, a nonperforming-loan ratio of 0.27% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 101 S Phillips Ave, Sioux Falls, SD 57104
- County
- Minnehaha
- Metro Area
- Sioux Falls, SD-MN
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- —
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 24, 1994
- Offices
- 5 domestic
- Employees (FTE)
- 47
- Domestic deposits
- $323.8M
- Allowance for credit losses
- $2.8M
- Net charge-offs (YTD)
- $16K
- Average total assets
- $346.2M
- Average total loans
- $245.0M
- Average interest-bearing deposits
- $287.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 24, 1994
- FDIC Cert
- 33922
- Fed RSSD
- 2218443
- Website
- www.frontierbank.com →
- Parent Holding Company
- ROCK RIVERS BANCORP (RSSD 1827914)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Frontier Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Frontier Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Frontier Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.28% | 0.60% | 0.27% | 0.00% | 3.14% |
| Q1 2026 | 11.15% | 0.35% | 0.28% | 0.00% | 3.01% |
| Q4 2025 | 11.31% | 0.67% | 0.29% | 0.00% | 2.90% |
| Q3 2025 | 11.28% | 0.54% | 0.31% | 0.02% | 2.78% |
| Q2 2025 | 10.82% | 0.41% | 0.30% | 0.00% | 2.81% |
| Q1 2025 | 11.24% | 0.43% | 0.32% | 0.00% | 2.53% |
| Q4 2024 | 11.51% | 0.60% | 0.34% | 0.00% | 2.44% |
| Q3 2024 | 11.82% | 0.25% | 0.37% | 0.00% | 2.23% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 5 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Rock Rapids Branch | Rock Rapids , IA | 51246 | $214.2M |
| Sioux Falls Branch | Sioux Falls , SD | 57108 | $46.7M |
| Little Rock Branch | Little Rock , IA | 51243 | $22.0M |
| Frontier Bank (main office) | Sioux Falls , SD | 57104 | $22.0M |
| George Branch | George , IA | 51237 | $19.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1999 | Structure Change | Acquired First Bank and Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 25, 1994 | Structure Change | Acquired United Federal Savings Association of Iowa Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
What the public regulatory sources show for Frontier Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 4 against the institution (OCC, OCC (former OTS)); 1 against individuals associated with it
- July 18, 2011, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Frontier Bank
- July 18, 2011, OCC (former OTS): Amended Orders to Cease and Desist: Frontier Bank
- March 22, 2010, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Frontier Bank
- March 22, 2010, OCC (former OTS): Cease and Desist: Frontier Bank
- Period: Most recent institution action July 18, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in SD, rank 57 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 89 applications, 78 loans originated, $20.2M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $118K approved, $118K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Frontier Bank
What are Frontier Bank's total assets?
As of the Q2 2026 filing, Frontier Bank reported total assets of $349.2 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Frontier Bank headquartered?
Frontier Bank is headquartered in Sioux Falls, SD, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings institution must.
When was Frontier Bank founded?
Frontier Bank was established in 1994, per the FDIC institution directory.
Is Frontier Bank FDIC-insured?
Yes. Frontier Bank is an FDIC-insured savings institution (FDIC Certificate #33922). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Frontier Bank?
Frontier Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Frontier Bank's CET1 capital ratio?
Frontier Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.28% in its Q2 2026 call report, above regulatory requirements.
How many branches does Frontier Bank operate?
Frontier Bank operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Frontier Bank's Texas Ratio?
Frontier Bank's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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