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 Sioux Falls, SD against its peer group of 2672 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 | 0.60% | 1.34% | -0.74% | 16th bottom |
| ROAE | 8.92% | 13.32% | -4.40% | 30th below |
| Net Interest Margin | 3.14% | 3.93% | -0.79% | 14th bottom |
| Efficiency Ratio | 76.22% | 61.13% | +15.09% | 18th bottom |
| PPNR / Avg Assets | 0.74% | 1.68% | -0.94% | 13th bottom |
| Yield on Earning Assets | 5.42% | 5.67% | -0.25% | 41st below |
| Cost of Funds | 2.44% | 1.88% | +0.56% | 17th bottom |
| Net Interest Spread | 2.70% | 3.32% | -0.62% | 21st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.27% | 0.94% | -0.67% | 59th above |
| NPA / Total Assets | 0.19% | 0.70% | -0.51% | 61st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 31st below |
| ACL / Total Loans | 1.15% | 1.28% | -0.13% | 44th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 421.70% | 1539.09% | -1117.39% | 67th above |
| Texas Ratio | 2.51% | 7.33% | -4.82% | 58th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 937.50% | 1395.72% | -458.22% | 81st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.28% | 19.51% | -8.23% | 11th bottom |
| Tier 1 Ratio | 11.28% | 19.54% | -8.26% | 10th bottom |
| Total Capital Ratio | 12.32% | 20.63% | -8.31% | 10th bottom |
| Leverage Ratio | 8.76% | 12.14% | -3.38% | 9th bottom |
| Equity / Assets | 6.73% | 11.38% | -4.65% | 5th bottom |
| TCE / Tangible Assets | 6.73% | 11.09% | -4.36% | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.57% | 80.64% | -6.07% | 62nd above |
| Core Deposit Ratio | 69.78% | 86.87% | -17.09% | 5th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.69% | 6.85% | -6.16% | 23rd bottom |
| Loan Growth (Y/Y) | 1.57% | 7.90% | -6.33% | 29th below |
| Deposit Growth (Y/Y) | 3.65% | 6.29% | -2.64% | 47th below |
See Frontier Bank's peers by name
The 2672 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.