Bank Comparison
Frontier Bank vs Home Bank Sb
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 5
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Frontier Bank | Home Bank Sb |
|---|---|---|
| CET1 Ratio | 17.64% | — |
| Tier 1 Capital Ratio | 17.64% | — |
| Total Capital Ratio | 18.89% | — |
| Tier 1 Leverage Ratio | 10.85% | 12.21% |
| Equity / Assets | 9.78% | 8.84% |
Profitability
| Metric | Frontier Bank | Home Bank Sb |
|---|---|---|
| Return on Assets (ROA) | 2.10% | 0.58% |
| Return on Equity (ROE) | 21.18% | 6.91% |
| Net Interest Margin (NIM) | 3.92% | 3.41% |
| Yield on Earning Assets | 5.34% | 4.60% |
| Cost of Funds | 1.53% | 1.29% |
Asset quality
| Metric | Frontier Bank | Home Bank Sb |
|---|---|---|
| Texas Ratio | 0.84% | 5.13% |
| Non-Performing Loan Ratio | 0.20% | 0.79% |
| Non-Performing Asset Ratio | 0.09% | 0.48% |
| Net Charge-Off Ratio | -0.01% | 0.04% |
| ACL / Loans | 2.00% | 1.10% |
Balance sheet
| Metric | Frontier Bank | Home Bank Sb |
|---|---|---|
| Total Assets | $431,983K | $431,685K |
| Total Deposits | $384,914K | $368,899K |
| Total Loans | $199,435K | $259,999K |
| Total Equity | $42,234K | $38,151K |
| Net Income (quarter) | $2,255K | $659 |
Liquidity & funding
| Metric | Frontier Bank | Home Bank Sb |
|---|---|---|
| Loan-to-Deposit Ratio | 51.81% | 70.48% |
| Core Deposit Ratio | 86.24% | 93.17% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Frontier Bank | Home Bank Sb |
|---|---|---|
| Headquarters City | LAMAR | MARTINSVILLE |
| Headquarters State | CO | IN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 704255 |
| Regulator | FDIC | OCC |
| Domestic Branches | 8 | 6 |
| Employees (FTE) | 56 | 82 |
| Established | Aug. 25, 1934, midnight | Jan. 1, 1890, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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