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%.
Accumulated other comprehensive income rose 6.9% from Q1 2026 to Q2 2026, ending at -$6.8M against -$7.3M. It was the largest change among the key lines on this page. Within South Dakota, Frontier Bank is 32nd of 36 on CET1 ratio, 11.28% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Frontier Bank sits 3.79 points lower, at 11.28% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.28% |
| Tier 1 risk-based capital ratio | 11.28% |
| Total risk-based capital ratio | 12.32% |
| Tier 1 leverage ratio | 8.76% |
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 | $30.3M |
| Tier 1 capital | $30.3M |
| Total risk-based capital | $33.1M |
| Total equity capital | $23.5M |
| Risk-weighted assets | $268.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.73% |
| Tangible equity to tangible assets | 6.73% |
| Equity capital to average assets | 6.79% |
| Internal capital growth rate | 3.79% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.0M |
| Common stock surplus | $13.6M |
| Retained earnings | $12.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.8M |
| 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 | 12.07% | 12.07% | 13.08% | 9.04% | $241.0M |
| Q4 2023 | 11.71% | 11.71% | 12.69% | 8.90% | $249.7M |
| Q1 2024 | 11.84% | 11.84% | 12.82% | 8.75% | $247.4M |
| Q2 2024 | 11.89% | 11.89% | 12.87% | 8.77% | $247.8M |
| Q3 2024 | 11.82% | 11.82% | 12.80% | 8.93% | $248.6M |
| Q4 2024 | 11.51% | 11.51% | 12.46% | 9.07% | $256.7M |
| Q1 2025 | 11.24% | 11.24% | 12.19% | 8.94% | $263.4M |
| Q2 2025 | 10.82% | 10.82% | 11.76% | 8.72% | $274.3M |
| Q3 2025 | 11.28% | 11.28% | 12.27% | 8.76% | $264.4M |
| Q4 2025 | 11.31% | 11.31% | 12.30% | 8.73% | $266.3M |
| Q1 2026 | 11.15% | 11.15% | 12.15% | 8.71% | $270.1M |
| Q2 2026 | 11.28% | 11.28% | 12.32% | 8.76% | $268.8M |
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 33922) · FFIEC NIC profile (RSSD 2218443)