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 Reserve coverage of non-performing loans: 20.51 percentage points higher than in Q1 2026, at 421.70%. Frontier Bank ranks 50th of 56 South Dakota banks on return on assets, in the lower half at 0.60% (Q2 2026). Frontier Bank's return on assets of 0.60% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.66 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.28% |
| Tier 1 risk-based capital ratio | 11.28% |
| Total risk-based capital ratio | 12.32% |
| Tier 1 leverage ratio | 8.76% |
| Equity capital to assets | 6.73% |
| Tangible equity to tangible assets | 6.73% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.27% |
| Non-performing assets ratio | 0.19% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 2.51% |
| Allowance for credit losses to loans | 1.15% |
| Reserve coverage of non-performing loans | 421.70% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.60% |
| Return on equity | 8.92% |
| Net interest margin | 3.14% |
| Efficiency ratio | 76.22% |
| Yield on earning assets | 5.42% |
| Cost of funds | 2.44% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.57% |
| Core deposits to total deposits | 69.78% |
| Brokered deposits to total deposits | 20.03% |
| Deposits to assets | 92.75% |
| Securities to assets | 26.27% |
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 | 12.07% | 12.07% | 13.08% | 9.04% | 0.53% |
| Q4 2023 | 11.71% | 11.71% | 12.69% | 8.90% | 0.57% |
| Q1 2024 | 11.84% | 11.84% | 12.82% | 8.75% | 0.40% |
| Q2 2024 | 11.89% | 11.89% | 12.87% | 8.77% | 0.57% |
| Q3 2024 | 11.82% | 11.82% | 12.80% | 8.93% | 0.25% |
| Q4 2024 | 11.51% | 11.51% | 12.46% | 9.07% | 0.60% |
| Q1 2025 | 11.24% | 11.24% | 12.19% | 8.94% | 0.43% |
| Q2 2025 | 10.82% | 10.82% | 11.76% | 8.72% | 0.41% |
| Q3 2025 | 11.28% | 11.28% | 12.27% | 8.76% | 0.54% |
| Q4 2025 | 11.31% | 11.31% | 12.30% | 8.73% | 0.67% |
| Q1 2026 | 11.15% | 11.15% | 12.15% | 8.71% | 0.35% |
| Q2 2026 | 11.28% | 11.28% | 12.32% | 8.76% | 0.60% |
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 33922) · FFIEC NIC profile (RSSD 2218443)