New Frontier Bank
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Data as of · sourced from FFIEC call reports. How we update
New Frontier Bank is an FDIC-insured commercial bank headquartered in Saint Charles, MO, established in 2000 (FDIC certificate 35597), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $175.7M, up 6.6% from Q2 2025, the 132nd largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.25% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 35597
- Headquarters
- Saint Charles, MO
- Established
- 2000
- Total assets, Q2 2026
- $175.7M
- Assets vs Q2 2025
- +6.6%
- Tier 1 leverage ratio, Q2 2026
- 9.25%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 081018956
- Holding company
- LINCOLN COUNTY BANCORP, INC.
- Asset rank in state
- 132nd of 191 in Missouri
New Frontier Bank leans heavily on commercial real estate. Based in Saint Charles, Missouri, it had $176 million in assets at June 30, 2026, up 6.6% from a year earlier. It holds commercial real estate loans worth 2.9 times its capital, 2.5 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Earnings jumped: net income for the quarter was $447,000, 49% above the same quarter a year earlier. Over the same year, loans grew 18.2% and deposits grew 6.7%. Where it has less room is capital: it funds 9.25% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, New Frontier Bank reported a return on assets of 1.01%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, New Frontier Bank is the 132nd largest of the 191 banks headquartered in Missouri. From Q1 2026 to Q2 2026, its total assets fell 2.5% to $175.7M, loans rose 5.0% and deposits fell 3.0%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 28.4% of total loans, ahead of owner-occupied commercial real estate loans at 25.2%. The FDIC Summary of Deposits lists 3 offices for it, in Saint Charles, MO and Lake Saint Louis, MO; its Saint Charles 2 offices book 89% of its branch deposits. On its Q2 2026 call report, New Frontier Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1771 Zumbehl Rd, Saint Charles, MO 63303
- County
- St. Charles
- Metro Area
- St. Louis, MO-IL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 16, 2000
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 28
- Domestic deposits
- $158.9M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- -$20K
- Average total assets
- $176.4M
- Average total loans
- $118.4M
- Average interest-bearing deposits
- $122.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 16, 2000
- FDIC Cert
- 35597
- Fed RSSD
- 2917184
- SEC CIK
- 1862513 → filed by LINCOLN COUNTY BANCORP, INC.
- Website
- www.newfb.com →
- Parent Holding Company
- LINCOLN COUNTY BANCORP, INC. (RSSD 1097173)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, New Frontier Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, New Frontier Bank's total assets ran between $145.0M (Q3 2023) and $180.3M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$175.7M total assets against $164.8M; $159.8M total liabilities against $149.8M.
$133.4M net loans and leases against $112.8M; $158.9M total deposits against $148.9M.
$22.8M securities against $23.4M; $7.5M cash and balances due against $16.7M.
$2.4M total interest income against $2.3M; $897K total interest expense against $898K.
$1.5M net interest income against $1.4M.
$87K total noninterest income against $72K; $1.1M total noninterest expense against $1.1M.
$46K provision for credit losses against $0.
$447K net income against $299K.
1.01% return on assets against 0.71%; 3.92% net interest margin against 3.50%.
9.25% tier 1 leverage ratio against 9.40%.
Inside the full New Frontier Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
New Frontier Bank rankings
Its closest position to the top of a national ranking is 2,482 of 3,611, for ROA; its furthest is 3,552 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.42% (Q3 2024) to 1.03% (Q1 2026) and its net interest margin ran from 3.20% (Q4 2024) to 3.92% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.25% | 1.01% | 0.00% | 0.00% | 3.92% |
| Q1 2026 | 9.21% | 1.03% | 0.00% | 0.00% | 3.59% |
| Q4 2025 | 9.21% | 0.84% | 0.00% | 0.00% | 3.67% |
| Q3 2025 | 9.44% | 0.93% | 0.00% | 0.00% | 3.74% |
| Q2 2025 | 9.40% | 0.71% | 0.00% | 0.00% | 3.50% |
| Q1 2025 | 9.14% | 0.55% | 0.00% | 0.00% | 3.30% |
| Q4 2024 | 9.02% | 0.75% | 0.00% | 0.00% | 3.20% |
| Q3 2024 | 9.42% | 0.42% | 0.00% | 0.00% | 3.26% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| New Frontier Bank (main office) | Saint Charles , MO | 63303 | $108.5M |
| Elm Branch | Saint Charles , MO | 63301 | $32.6M |
| Lake St. Louis Branch | Lake Saint Louis , MO | 63367 | $17.8M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- June 14, 2010, Federal Reserve: Written Agreement: Lincoln County Bancorp, Troy, Missouri; Peoples Bank and Trust Company, Troy, Missouri
- Period: Most recent institution action June 14, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MO, rank 161 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $344K approved, $172K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about New Frontier Bank
What are New Frontier Bank's total assets?
As of the Q2 2026 filing, New Frontier Bank reported total assets of $175.7 million in its FFIEC call report.
Where is New Frontier Bank headquartered?
It is headquartered in Saint Charles, MO, United States.
When was New Frontier Bank founded?
It was established in 2000, per the FDIC institution directory.
Is New Frontier Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35597). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates New Frontier Bank?
New Frontier Bank's primary federal regulator is the Federal Reserve.
How many branches does New Frontier Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is New Frontier Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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