BlastPoint's Banking Scorecard

Frontier Bank

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

Lamar, CO

8 branches across CO

2664 banks in the $100M-$1B peer group nationally 49 in CO

Frontier Bank has 3 strengths but faces 1 concern

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

+ Efficiency Ratio 22.56% below tier average
+ ROA 0.84% above tier average
+ Delinquency Rate 0.69% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.24% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$432.0M +3.1% YoY +1.7% QoQ	+$45.9M	$386.1M +0.5% YoY	$1.3B +9.7% YoY	$6.2B +9.1% YoY	65%
Total Loans ?	$195.4M +4.8% YoY +0.5% QoQ	-$60.3M	$255.7M +1.1% YoY	$851.2M +6.5% YoY	$3.2B +10.8% YoY	47%
Total Deposits ?	$384.9M +1.4% YoY +1.2% QoQ	+$56.9M	$328.0M +0.1% YoY	$1.1B +5.2% YoY	$4.8B +8.2% YoY	68%
Return on Assets ?	2.11% +6.7% YoY +8.4% QoQ	+0.84%	1.27% +12.9% YoY	0.93% +11.9% YoY	1.23% +13.4% YoY	Top 10.1% in tier
Net Interest Margin ?	3.69% +14.9% YoY +5.5% QoQ	-0.24%	3.93% +6.0% YoY	3.99% +5.0% YoY	3.89% +5.7% YoY	40%
Efficiency Ratio ?	42.73% -6.1% YoY -12.0% QoQ	-22.56%	65.29% -4.5% YoY	74.00% -3.2% YoY	66.95% -4.1% YoY	Top 6.3% in tier
Delinquency Rate ?	0.20% -14.6% YoY	-0.69%	0.89% +18.8% YoY	0.67% -8.3% YoY	0.95% +18.8% YoY	65%
Loan-to-Deposit Ratio ?	50.78% +3.3% YoY -0.7% QoQ	-25.86%	76.64% +0.8% YoY	78.09% +0.7% YoY	76.70% +0.9% YoY	Top 10.1% in tier
Non-Interest-Bearing Deposit Share ?	21.38% +1.7% YoY -2.7% QoQ	-0.64%	22.02% -1.0% YoY	23.93% -3.2% YoY	22.01% -1.2% YoY	52%
Nonperforming Asset Ratio ?	0.09% -13.3% YoY	-0.55%	0.64% +19.7% YoY	0.50% -1.2% YoY	0.67% +19.3% YoY	71%
Tier 1 Capital Ratio ?	17.64% -6.0% YoY -5.1% QoQ	+1.81%	15.83% +1.5% YoY	21.66% +2.9% YoY	17.06% +0.8% YoY	80%
Non-Interest Income / Assets ?	0.12% -15.6% YoY -76.8% QoQ	-0.16%	0.28% +9.3% YoY	0.26% +10.8% YoY	0.32% +4.1% YoY	63%

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$250B+

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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

170

Efficiency Ratio

profitability

Value: 42.73%

Peer Median: 65.29%

#170 of 2664 Top 6.3% in $100M-$1B

271

Return on Assets

profitability

Value: 2.11%

Peer Median: 1.27%

#271 of 2664 Top 10.1% in $100M-$1B

271

Loan-to-Deposit Ratio

liquidity

Value: 50.78%

Peer Median: 76.64%

#271 of 2664 Top 10.1% in $100M-$1B

532

Tier 1 Capital Ratio

capital

Value: 17.64%

Peer Median: 15.83%

#532 of 2664 Top 19.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available