Frontier Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.05 percentage points higher than in Q1 2026, at 53.87%. Within Colorado, Frontier Bank is 8th of 63 on return on assets, 2.11% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, Frontier Bank reported 2.11% on return on assets in Q2 2026, 0.86 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.00% |
| Tier 1 risk-based capital ratio | 18.00% |
| Total risk-based capital ratio | 19.26% |
| Tier 1 leverage ratio | 10.78% |
| Equity capital to assets | 10.01% |
| Tangible equity to tangible assets | 10.01% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.32% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.41% |
| Allowance for credit losses to loans | 2.00% |
| Reserve coverage of non-performing loans | 621.10% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.11% |
| Return on equity | 21.62% |
| Net interest margin | 4.06% |
| Efficiency ratio | 43.73% |
| Yield on earning assets | 5.49% |
| Cost of funds | 1.54% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 53.87% |
| Core deposits to total deposits | 86.07% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.13% |
| Securities to assets | 49.49% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.30% | 18.30% | 19.56% | 10.52% | 1.64% |
| Q4 2023 | 18.13% | 18.13% | 19.39% | 10.66% | 1.71% |
| Q1 2024 | 18.66% | 18.66% | 19.91% | 10.68% | 1.53% |
| Q2 2024 | 18.41% | 18.41% | 19.66% | 10.49% | 1.57% |
| Q3 2024 | 17.97% | 17.97% | 19.23% | 10.71% | 1.59% |
| Q4 2024 | 17.67% | 17.67% | 18.92% | 10.85% | 1.48% |
| Q1 2025 | 18.76% | 18.76% | 20.02% | 10.88% | 1.94% |
| Q2 2025 | 18.63% | 18.63% | 19.88% | 10.90% | 1.84% |
| Q3 2025 | 18.73% | 18.73% | 19.99% | 11.12% | 2.21% |
| Q4 2025 | 18.59% | 18.59% | 19.85% | 10.83% | 1.67% |
| Q1 2026 | 17.64% | 17.64% | 18.89% | 10.85% | 2.10% |
| Q2 2026 | 18.00% | 18.00% | 19.26% | 10.78% | 2.11% |
Frontier Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Frontier Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)