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Frontier Bank

$100M-$1B Specialty: Agricultural SD FDIC cert 33922

Sioux Falls, SD

5 branches across IA · SD

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 24 in SD.
  • Deposits +3.7% year over year ($323.8M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.47%.
  • Efficiency ratio 78.77% vs a 64.48% peer average.
  • Loan-to-deposit ratio 73.71% 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 24 in SD
View $100M-$1B leaderboard (SD) →

Frontier Bank has 2 strengths but faces 4 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

  • + Credit Quality Leader: Top 42.6% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 11.9% in tier
  • - ROA 0.85% below tier average
  • - Net Interest Margin 0.92% below tier average
  • - Efficiency Ratio 14.29% above tier average
Get updates when Frontier Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Total Assets ? $349.2M
+0.7% YoY +1.3% QoQ
-$37.4M $386.6M
+1.2% YoY
$70.4B
+8.4% YoY
$6.3B
+7.7% YoY
54%
Total Loans ? $238.7M
+1.5% YoY -0.1% QoQ
-$19.7M $258.3M
+1.7% YoY
$31.5B
+10.3% YoY
$3.2B
+9.4% YoY
56%
Total Deposits ? $323.8M
+3.7% YoY +2.8% QoQ
-$2.9M $326.7M
+0.7% YoY
$56.5B
+10.5% YoY
$4.9B
+7.3% YoY
59%
Return on Assets ? 0.47%
+12.3% YoY +35.2% QoQ
-0.85% 1.32%
+10.8% YoY
1.40%
+6.8% YoY
1.30%
+12.1% YoY
Bottom 11.5% in tier
Net Interest Margin ? 3.07%
+16.2% YoY +1.5% QoQ
-0.92% 3.99%
+5.0% YoY
4.26%
+1.1% YoY
3.95%
+4.9% YoY
Bottom 11.6% in tier
Efficiency Ratio ? 78.77%
-4.0% YoY -0.4% QoQ
+14.29% 64.48%
-3.2% YoY
60.99%
-4.4% YoY
70.05%
+2.5% YoY
15%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.78%
+47.6% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 73.71%
-2.1% YoY -2.9% QoQ
-4.24% 77.95%
+1.0% YoY
73.26%
-0.6% YoY
79.03%
+2.3% YoY
63%
Non-Interest-Bearing Deposit Share ? 10.03%
+0.8% YoY -1.2% QoQ
-12.00% 22.03%
-0.6% YoY
23.46%
+3.2% YoY
21.98%
-0.6% YoY
Bottom 10.6% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.54%
+39.8% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 11.28%
+4.3% YoY +1.2% QoQ
-4.63% 15.91%
+1.4% YoY
15.80%
+1.0% YoY
17.09%
+0.8% YoY
27%
Non-Interest Income / Assets ? 0.21%
+7.5% YoY +90.6% QoQ
-0.36% 0.57%
+7.6% YoY
0.54%
-0.1% YoY
0.66%
+5.2% YoY
52%

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 (SD) National Avg Tier Percentile
Noninterest-Bearing 10.0%
+0.1pp YoY
-0.1pp QoQ
 -12.1pp 22.1% 23.5% 22.2% 10%
Brokered Deposits 20.0%
+0.5pp YoY
-0.7pp QoQ
 +12.2pp 7.9% 8.7% 8.5% 90%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
C&I 5.8%
-1.0pp YoY
-0.2pp QoQ
 -5.8pp 11.6% 14.1% 12.5% 24%
CRE 42.5%
-0.6pp YoY
-1.9pp QoQ
 +3.0pp 39.5% 31.5% 41.4% 58%
1-4 Family 21.4%
-1.7pp YoY
+0.8pp QoQ
 -11.3pp 32.6% 14.9% 31.3% 33%
Consumer 1.3%
-0.1pp YoY
0.0pp QoQ
 -2.9pp 4.1% 8.5% 5.0% 35%

Capital

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
CET1 Ratio 11.3%
+0.5pp YoY
+0.1pp QoQ
 -7.5pp 18.8% 17.6% 19.7% 10%
Leverage Ratio 8.8%
0.0pp YoY
+0.1pp QoQ
 -3.4pp 12.2% 11.9% 12.6% 9%
Total Capital Ratio 12.3%
+0.6pp YoY
+0.2pp QoQ
 -7.6pp 19.9% 18.8% 20.8% 10%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Full-Time Employees 47
-2 (-4.1%) YoY
-1 (-2.1%) QoQ
 -12 58 6,279 482 49%
Assets per Employee ($) $7.4M
+5.0% YoY
+3.4% QoQ
 -$89K $7.5M $8.1M $8.8M 60%
Branch Count 5
0 YoY
0 QoQ
 0 4 92 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 96.54x 20.23x n/a
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.7% 0.2% 48%

Profitability

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
ROE 7.1%
+0.1pp YoY
+1.8pp QoQ
 -5.1pp 12.2% 12.4% 11.6% 21%
Cost of Funds (YTD) 2.4%
-0.2pp YoY
0.0pp QoQ
 +0.6pp 1.7% 1.7% 1.7% 86%
Net Income ($, YTD) $816,000
+14.8% YoY
— QoQ
 -$1.7M $2.6M $418.8M $40.4M 20%

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)

Credit Quality Leader

growth
#282 of 659 • Top 42.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Flatlined Growth

risk
#64 of 529 • Bottom 11.9% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.47%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

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

Top Strengths (2 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B

Top Weaknesses (4 metrics)

2363
Non-Interest-Bearing Deposit Share
funding
Value: 10.03%
Peer Median: 22.03%
#2363 of 2643 Bottom 10.6% in $100M-$1B
2339
Return on Assets
profitability
Value: 0.47%
Peer Median: 1.32%
#2339 of 2643 Bottom 11.5% in $100M-$1B
2337
Net Interest Margin
profitability
Value: 3.07%
Peer Median: 3.99%
#2337 of 2643 Bottom 11.6% in $100M-$1B
2246
Efficiency Ratio
profitability
Value: 78.77%
Peer Median: 64.48%
#2246 of 2643 Bottom 15.1% in $100M-$1B
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