Frontier Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Total equity capital rose 3.5% in Q2 2026 to $43.7M, the biggest move on this page. Within Colorado, Frontier Bank is 12th of 34 on CET1 ratio, 18.00% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Frontier Bank sits 2.92 points higher, at 18.00% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.00% |
| Tier 1 risk-based capital ratio | 18.00% |
| Total risk-based capital ratio | 19.26% |
| Tier 1 leverage ratio | 10.78% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $47.4M |
| Tier 1 capital | $47.4M |
| Total risk-based capital | $50.7M |
| Total equity capital | $43.7M |
| Risk-weighted assets | $263.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.01% |
| Tangible equity to tangible assets | 10.01% |
| Equity capital to average assets | 9.95% |
| Internal capital growth rate | 6.95% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $900K |
| Common stock surplus | $7.5M |
| Retained earnings | $39.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.7M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 18.30% | 18.30% | 19.56% | 10.52% | $244.4M |
| Q4 2023 | 18.13% | 18.13% | 19.39% | 10.66% | $248.4M |
| Q1 2024 | 18.66% | 18.66% | 19.91% | 10.68% | $242.1M |
| Q2 2024 | 18.41% | 18.41% | 19.66% | 10.49% | $246.4M |
| Q3 2024 | 17.97% | 17.97% | 19.23% | 10.71% | $252.3M |
| Q4 2024 | 17.67% | 17.67% | 18.92% | 10.85% | $256.4M |
| Q1 2025 | 18.76% | 18.76% | 20.02% | 10.88% | $244.3M |
| Q2 2025 | 18.63% | 18.63% | 19.88% | 10.90% | $248.8M |
| Q3 2025 | 18.73% | 18.73% | 19.99% | 11.12% | $249.3M |
| Q4 2025 | 18.59% | 18.59% | 19.85% | 10.83% | $248.4M |
| Q1 2026 | 17.64% | 17.64% | 18.89% | 10.85% | $264.4M |
| Q2 2026 | 18.00% | 18.00% | 19.26% | 10.78% | $263.1M |
Frontier Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Frontier Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Frontier Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14730) · FFIEC NIC profile (RSSD 191355)