Frontier Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Frontier Bank of Lamar, CO against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.11% | 1.25% | +0.86% | 88th top |
| ROAE | 21.62% | 12.22% | +9.40% | 91st top |
| Net Interest Margin | 4.06% | 3.95% | +0.11% | 56th above |
| Efficiency Ratio | 43.73% | 63.71% | -19.98% | 91st top |
| PPNR / Avg Assets | 2.29% | — | — | 83rd top |
| Yield on Earning Assets | 5.49% | 5.67% | -0.18% | 45th below |
| Cost of Funds | 1.54% | 1.87% | -0.33% | 67th above |
| Net Interest Spread | 3.54% | — | — | 61st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.32% | 0.88% | -0.56% | 56th above |
| NPA / Total Assets | 0.15% | — | — | 65th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 81st top |
| ACL / Total Loans | 2.00% | — | — | 94th top |
| ACL / NPLs (Coverage) | 621.10% | — | — | 74th above |
| Texas Ratio | 1.41% | 5.96% | -4.55% | 64th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 18.00% | 17.18% | +0.82% | 69th above |
| Tier 1 Ratio | 18.00% | 17.21% | +0.79% | 69th above |
| Total Capital Ratio | 19.26% | — | — | 70th above |
| Leverage Ratio | 10.78% | 11.75% | -0.97% | 46th below |
| Equity / Assets | 10.01% | 10.98% | -0.97% | 44th below |
| TCE / Tangible Assets | 10.01% | — | — | 49th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 53.87% | 80.44% | -26.57% | 89th top |
| Core Deposit Ratio | 86.07% | 86.95% | -0.88% | 35th below |
| Wholesale Funding Ratio | 0.46% | — | — | 90th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.95% | — | — | 61st above |
| Loan Growth (Y/Y) | 8.12% | — | — | 65th above |
| Deposit Growth (Y/Y) | 5.53% | — | — | 60th above |
See Frontier Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Frontier Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Frontier Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Frontier Bank peer analysis.