New 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.
Loan-to-deposit ratio climbed 6.50 percentage points in Q2 2026, from 78.24% to 84.74%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, New Frontier Bank is 151st of 192 on return on assets, 1.01% as of Q2 2026, below the middle of the field. New Frontier Bank reported 1.01% on return on assets for Q2 2026, 0.24 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.25% |
| Equity capital to assets | 9.08% |
| Tangible equity to tangible assets | 8.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.04% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.92% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.01% |
| Return on equity | 11.33% |
| Net interest margin | 3.92% |
| Efficiency ratio | 67.77% |
| Yield on earning assets | 6.24% |
| Cost of funds | 2.36% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.74% |
| Core deposits to total deposits | 85.10% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.41% |
| Securities to assets | 13.00% |
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 | 11.45% | 11.45% | 12.39% | 9.69% | 1.11% |
| Q4 2023 | 11.79% | 11.79% | 12.74% | 9.90% | 0.87% |
| Q1 2024 | 11.73% | 11.73% | 12.66% | 9.97% | 0.67% |
| Q2 2024 | 11.84% | 11.84% | 12.77% | 9.86% | 0.73% |
| Q3 2024 | 11.06% | 11.06% | 11.93% | 9.42% | 0.42% |
| Q4 2024 | 10.93% | 10.93% | 11.77% | 9.02% | 0.75% |
| Q1 2025 | 10.88% | 10.88% | 11.72% | 9.14% | 0.55% |
| Q2 2025 | 11.18% | 11.18% | 12.02% | 9.40% | 0.71% |
| Q3 2025 | 10.44% | 10.44% | 11.24% | 9.44% | 0.93% |
| Q4 2025 | 10.17% | 10.17% | 10.95% | 9.21% | 0.84% |
| Q1 2026 | 10.23% | 10.23% | 11.01% | 9.21% | 1.03% |
| Q2 2026 | — | — | — | 9.25% | 1.01% |
New Frontier Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock New 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 New Frontier Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35597) · FFIEC NIC profile (RSSD 2917184)