BlastPoint's Banking Scorecard

Frontier Bank

$100M-$1B Specialty: Agricultural CO FDIC cert 14730

Lamar, CO

8 branches across CO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in CO.
Deposits +5.5% year over year ($388.9M on the books).
Delinquency rate 0.33%.
Return on assets 2.12%.
Efficiency ratio 44.14% vs a 64.48% peer average.
Loan-to-deposit ratio 52.79% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 49 in CO

View $100M-$1B leaderboard (CO) →

Frontier Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 43.6% in tier
+ Efficiency Ratio 20.34% below tier average
+ Delinquency Rate 0.59% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 41.6% in tier
- Credit Risk Growth: Bottom 48.2% in tier
- Net Interest Margin 0.20% below tier average

Get updates when Frontier Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$436.4M +6.0% YoY +1.0% QoQ	+$49.8M	$386.6M +1.2% YoY	$898.3M +8.6% YoY	$6.3B +7.7% YoY	66%
Total Loans ?	$205.3M +8.2% YoY +5.0% QoQ	-$53.0M	$258.3M +1.7% YoY	$631.7M +11.0% YoY	$3.2B +9.4% YoY	49%
Total Deposits ?	$388.9M +5.5% YoY +1.0% QoQ	+$62.2M	$326.7M +0.7% YoY	$762.3M +8.8% YoY	$4.9B +7.3% YoY	69%
Return on Assets ?	2.12% +9.7% YoY +0.9% QoQ	+0.80%	1.32% +10.8% YoY	0.96% +10.1% YoY	1.30% +12.1% YoY	Top 10.6% in tier
Net Interest Margin ?	3.78% +13.7% YoY +2.5% QoQ	-0.20%	3.99% +5.0% YoY	4.06% +4.0% YoY	3.95% +4.9% YoY	41%
Efficiency Ratio ?	44.14% -8.5% YoY +3.3% QoQ	-20.34%	64.48% -3.2% YoY	73.51% -1.0% YoY	70.05% +2.5% YoY	Top 7.9% in tier
Delinquency Rate ?	0.33% +64.3% QoQ	-0.59%	0.92% +15.7% YoY	0.85% +17.5% YoY	0.98% +16.3% YoY	56%
Loan-to-Deposit Ratio ?	52.79% +2.5% YoY +4.0% QoQ	-25.16%	77.95% +1.0% YoY	78.96% +0.3% YoY	79.03% +2.3% YoY	Top 10.6% in tier
Non-Interest-Bearing Deposit Share ?	19.74% -0.7% YoY -7.7% QoQ	-2.29%	22.03% -0.6% YoY	23.50% -1.8% YoY	21.98% -0.6% YoY	45%
Nonperforming Asset Ratio ?	0.15% +70.8% QoQ	-0.51%	0.67% +16.4% YoY	0.49% -10.9% YoY	0.69% +15.8% YoY	65%
Tier 1 Capital Ratio ?	18.00% -3.3% YoY +2.1% QoQ	+2.10%	15.91% +1.4% YoY	19.30% -20.6% YoY	17.09% +0.8% YoY	81%
Non-Interest Income / Assets ?	0.24% -12.0% YoY +96.1% QoQ	-0.33%	0.57% +7.6% YoY	0.55% +12.7% YoY	0.66% +5.2% YoY	61%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Noninterest-Bearing	19.7% -0.1pp YoY -1.6pp QoQ	-2.4pp	22.1%	23.5%	22.2%	44%
Brokered Deposits	n/a	n/a	7.9%	7.4%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
C&I	3.4% -0.3pp YoY +0.2pp QoQ	-8.1pp	11.6%	8.4%	12.5%	11%
CRE	25.5% +5.2pp YoY +1.9pp QoQ	-14.1pp	39.5%	42.8%	41.4%	27%
1-4 Family	19.4% -1.1pp YoY -0.3pp QoQ	-13.2pp	32.6%	33.0%	31.3%	28%
Consumer	0.9% 0.0pp YoY 0.0pp QoQ	-3.2pp	4.1%	3.9%	5.0%	26%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
CET1 Ratio	18.0% -0.6pp YoY +0.4pp QoQ	-0.8pp	18.8%	24.9%	19.7%	69%
Leverage Ratio	10.8% -0.1pp YoY -0.1pp QoQ	-1.4pp	12.2%	12.5%	12.6%	46%
Total Capital Ratio	19.3% -0.6pp YoY +0.4pp QoQ	-0.7pp	19.9%	26.1%	20.8%	70%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Full-Time Employees	56 +1 (+1.8%) YoY 0 QoQ	-3	58	107	482	60%
Assets per Employee ($)	$7.8M +4.1% YoY +1.0% QoQ	+$274K	$7.5M	$7.8M	$8.8M	65%
Branch Count	8 0 YoY 0 QoQ	+3	4	7	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.7%	0.4%	n/a
Nonaccrual	0.3% +0.3pp YoY +0.1pp QoQ	-0.6pp	0.9%	0.8%	1.0%	41%
Allowance Coverage	6.21x -96.1% YoY -39.3% QoQ	-17.94x	24.15x	12.16x	20.23x	74%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	18%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
ROE	21.3% -0.2pp YoY +0.1pp QoQ	+9.1pp	12.2%	9.7%	11.6%	91%
Cost of Funds (YTD)	1.4% -0.2pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.7%	1.7%	30%
Net Income ($, YTD)	$4.6M +14.3% YoY — QoQ	+$2.0M	$2.6M	$5.4M	$40.4M	85%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#289 of 661 • Top 43.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.12%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk

#523 of 1256 • Bottom 41.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.33%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Credit Risk Growth

risk

#452 of 936 • Bottom 48.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

209

Efficiency Ratio

profitability

Value: 44.14%

Peer Median: 64.48%

#209 of 2643 Top 7.9% in $100M-$1B

280

Return on Assets

profitability

Value: 2.12%

Peer Median: 1.32%

#280 of 2643 Top 10.6% in $100M-$1B

282

Loan-to-Deposit Ratio

liquidity

Value: 52.79%

Peer Median: 77.95%

#282 of 2643 Top 10.6% in $100M-$1B

506

Tier 1 Capital Ratio

capital

Value: 18.00%

Peer Median: 15.91%

#506 of 2643 Top 19.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available