Frontier Bank (Lamar, CO)
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Data as of · sourced from FFIEC call reports. How we update
Frontier Bank is an FDIC-insured commercial bank headquartered in Lamar, CO, established in 1934 (FDIC certificate 14730), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $436.4M, up 6.0% from Q2 2025, the 23rd largest of 63 banks headquartered in Colorado. Its CET1 capital ratio was 18.00% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14730
- Headquarters
- Lamar, CO
- Established
- 1934
- Total assets, Q2 2026
- $436.4M
- Assets vs Q2 2025
- +6.0%
- CET1 ratio, Q2 2026
- 18.00%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 102100879
- Latest call report
- Q2 2026, FFIEC 041 · Frontier Bank call report
- Holding company
- WHITCORP FINANCIAL COMPANY
- Asset rank in state
- 23rd of 63 in Colorado
Problem loans are rising at Frontier Bank. It reported $436 million in assets at June 30, 2026, up 6.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.32% of loans from 0.01% a year earlier. It returns 21.6% a year on shareholders' equity, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also spends about 44 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter rose 19% from a year earlier, to $2.3 million. Paper losses on its bond portfolio are shrinking: unrealized losses of $3.7 million equal 8% of Tier 1 capital, down from 16% a year earlier.
As of June 30, 2026, Frontier Bank reported a CET1 capital ratio of 18.00%, a return on assets of 2.11%, a nonperforming-loan ratio of 0.32% and a Texas ratio of 1.41%. The figures come from its call report filed with the FFIEC.
Frontier Bank ranks as the 23rd largest of the 63 banks based in Colorado, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.0% to $436.4M, loans rose 5.0% and deposits rose 1.0%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 38.9% of total loans, ahead of 1-4 family residential loans at 19.0%. Its 8 offices in the FDIC Summary of Deposits are in 7 cities in CO; its Lamar 2 offices book 50% of its branch deposits. By the capital ratios in its Q2 2026 call report, Frontier Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 200 S Main St, Lamar, CO 81052
- County
- Prowers
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- August 25, 1934
- Former names
- First National Bank in Lamar (1936-2011)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 56
- Domestic deposits
- $388.9M
- Allowance for credit losses
- $4.2M
- Net charge-offs (YTD)
- -$5K
- Average total assets
- $439.2M
- Average total loans
- $203.1M
- Average interest-bearing deposits
- $310.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 25, 1934
- FDIC Cert
- 14730
- Fed RSSD
- 191355
- Website
- http://www.frontierbankco.com →
- Parent Holding Company
- WHITCORP FINANCIAL COMPANY (RSSD 1051979)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Frontier Bank's total assets ranged from $404.4M (Q3 2023) to $436.4M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$436.4M total assets against $411.9M; $392.7M total liabilities against $373.0M.
$205.3M net loans and leases against $189.8M; $388.9M total deposits against $368.5M.
$216.0M securities against $205.1M; $7.4M cash and balances due against $9.8M.
$5.6M total interest income against $5.1M; $1.5M total interest expense against $1.7M.
$4.1M net interest income against $3.5M.
$515K total noninterest income against $512K; $2.1M total noninterest expense against $2.0M.
$185K provision for credit losses against $0.
$2.3M net income against $2.0M.
2.11% return on assets against 1.84%; 4.06% net interest margin against 3.62%.
18.00% CET1 capital ratio against 18.63%; 10.78% tier 1 leverage ratio against 10.90%.
Inside the full Frontier Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFrontier Bank rankings
Its closest position to the top of a national ranking is 365 of 3,606, for efficiency ratio; its furthest is 2,508 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.48% (Q4 2024) to 2.21% (Q3 2025) and its net interest margin ran from 3.00% (Q3 2024) to 4.06% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.00% | 2.11% | 0.32% | 1.41% | 4.06% |
| Q1 2026 | 17.64% | 2.10% | 0.20% | 0.84% | 3.92% |
| Q4 2025 | 18.59% | 1.67% | 0.01% | 0.04% | 3.89% |
| Q3 2025 | 18.73% | 2.21% | 0.01% | 0.05% | 3.91% |
| Q2 2025 | 18.63% | 1.84% | 0.01% | 0.06% | 3.62% |
| Q1 2025 | 18.76% | 1.94% | 0.23% | 1.05% | 3.25% |
| Q4 2024 | 17.67% | 1.48% | 0.22% | 1.11% | 3.14% |
| Q3 2024 | 17.97% | 1.59% | 0.02% | 0.07% | 3.00% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Frontier Bank (main office) | Lamar , CO | 81052 | $194.7M |
| Burlington Branch | Burlington , CO | 80807 | $85.7M |
| Walsh Branch | Walsh , CO | 81090 | $38.1M |
| Springfield Branch | Springfield , CO | 81073 | $22.9M |
| Pueblo Branch | Pueblo , CO | 81008 | $19.2M |
| Pueblo West Branch | Pueblo West , CO | 81007 | $17.1M |
| Alamosa Branch | Alamosa , CO | 81101 | $11.3M |
| Motor Bank Branch | Lamar , CO | 81052 | $0 |
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 |
|---|---|---|---|
| October 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2013 | Structure Change | Acquired The Colorado State Bank of Walsh Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 24, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 24, 1991 | Structure Change | Acquired Lamar Industrial Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 24, 1991 | Structure Change | Acquired Heritage Federal Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 23, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in CO, rank 41 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $160K approved, $160K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 $436.4 million in its FFIEC call report.
Where is Frontier Bank headquartered?
It is headquartered in Lamar, CO, United States.
When was Frontier Bank founded?
It was established in 1934, per the FDIC institution directory.
Is Frontier Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14730). 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 FDIC.
What is Frontier Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.00% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Frontier Bank operate?
It operates 8 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?
Its Texas Ratio is 1.41% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Frontier Bank previously called?
The charter now named Frontier Bank has also operated as First National Bank in Lamar (1936-2011), per FDIC structure-change records.
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