Frontier Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 17.24 percentage points in Q2 2026, from 248.83% to 231.59%. It was the largest change from Q1 2026 among the key lines here. Frontier Bank ranks 28th of 56 South Dakota banks on loan-to-deposit ratio, in the upper half at 74.57% (Q2 2026). Frontier Bank reported 74.57% on loan-to-deposit ratio for Q2 2026, 6.27 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $241.5M |
| Net loans and leases | $238.7M |
| Loans held for sale | $0 |
| Loans to total assets | 69.16% |
| Loan-to-deposit ratio | 74.57% |
| Net loans to equity capital | 10.15% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.91% |
| Multifamily (5+ residential) | 6.87% |
| Commercial and industrial | 5.69% |
| Consumer | 1.24% |
| Credit cards | 0.00% |
| Farm | 11.88% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 231.59% |
| Construction concentration (Tier 1 capital + allowance) | 23.55% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $3.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $197.2M | $278.2M | 24.93% | 6.99% | 1.44% |
| Q4 2023 | $207.6M | $281.2M | 23.29% | 7.00% | 1.37% |
| Q1 2024 | $211.3M | $293.2M | 24.02% | 5.97% | 1.37% |
| Q2 2024 | $205.4M | $283.6M | 24.45% | 5.80% | 1.46% |
| Q3 2024 | $204.3M | $292.4M | 24.33% | 5.81% | 1.50% |
| Q4 2024 | $214.4M | $292.4M | 24.21% | 5.53% | 1.39% |
| Q1 2025 | $225.1M | $301.4M | 24.64% | 6.62% | 1.34% |
| Q2 2025 | $237.8M | $312.4M | 24.97% | 6.72% | 1.32% |
| Q3 2025 | $228.4M | $317.3M | 26.26% | 6.76% | 1.43% |
| Q4 2025 | $232.7M | $311.4M | 32.80% | 6.36% | 1.48% |
| Q1 2026 | $241.6M | $314.9M | 32.52% | 5.92% | 1.28% |
| Q2 2026 | $241.5M | $323.8M | 31.91% | 5.69% | 1.24% |
Frontier Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Frontier Bank, freeSource: Call Report Schedule RC-C, 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)