BlastPoint's Banking Scorecard

Frontier Bank

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

Sioux Falls, SD

5 branches across IA · SD

2664 banks in the $100M-$1B peer group nationally 24 in SD

Frontier Bank has 2 strengths but faces 5 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 45.8% in tier
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 18.0% in tier
- Capital Thin: Bottom 43.1% in tier
- Return on Assets 0.92% below tier average
- Net Interest Margin 0.91% below tier average
- Efficiency Ratio 13.79% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Total Assets ?	$344.8M +1.9% YoY +0.9% QoQ	-$41.3M	$386.1M +0.5% YoY	$68.7B +9.0% YoY	$6.2B +9.1% YoY	53%
Total Loans ?	$238.9M +7.3% YoY +3.8% QoQ	-$16.8M	$255.7M +1.1% YoY	$30.8B +10.3% YoY	$3.2B +10.8% YoY	57%
Total Deposits ?	$314.9M +4.5% YoY +1.1% QoQ	-$13.1M	$328.0M +0.1% YoY	$54.8B +8.5% YoY	$4.8B +8.2% YoY	57%
Return on Assets ?	0.35% -18.9% YoY -32.5% QoQ	-0.92%	1.27% +12.9% YoY	1.41% +1.8% YoY	1.23% +13.4% YoY	Bottom 9.2% in tier
Net Interest Margin ?	3.02% +21.1% YoY +10.2% QoQ	-0.91%	3.93% +6.0% YoY	4.19% +0.4% YoY	3.89% +5.7% YoY	Bottom 12.3% in tier
Efficiency Ratio ?	79.08% -5.7% YoY -1.3% QoQ	+13.79%	65.29% -4.5% YoY	64.00% -0.6% YoY	66.95% -4.1% YoY	16%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.59% +45.1% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	75.88% +2.7% YoY +2.7% QoQ	-0.76%	76.64% +0.8% YoY	71.70% +0.3% YoY	76.70% +0.9% YoY	55%
Non-Interest-Bearing Deposit Share ?	10.15% -7.1% YoY -6.8% QoQ	-11.87%	22.02% -1.0% YoY	23.74% -0.7% YoY	22.01% -1.2% YoY	Bottom 11.2% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.41% +39.3% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.15% -0.8% YoY -1.4% QoQ	-4.68%	15.83% +1.5% YoY	15.79% +0.8% YoY	17.06% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.11% +4.2% YoY -73.8% QoQ	-0.17%	0.28% +9.3% YoY	0.27% +0.0% YoY	0.32% +4.1% YoY	57%

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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 (1)

Credit Quality Leader

growth

#305 of 664 • Top 45.8% 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: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Flatlined Growth

risk

#93 of 512 • Bottom 18.0% 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: 0.35%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Capital Thin

risk

#288 of 666 • Bottom 43.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.15%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Top Weaknesses (5 metrics)

2420

Return on Assets

profitability

Value: 0.35%

Peer Median: 1.27%

#2420 of 2664 Bottom 9.2% in $100M-$1B

2367

Non-Interest-Bearing Deposit Share

funding

Value: 10.15%

Peer Median: 22.02%

#2367 of 2664 Bottom 11.2% in $100M-$1B

2338

Net Interest Margin

profitability

Value: 3.02%

Peer Median: 3.93%

#2338 of 2664 Bottom 12.3% in $100M-$1B

2227

Efficiency Ratio

profitability

Value: 79.08%

Peer Median: 65.29%

#2227 of 2664 Bottom 16.4% in $100M-$1B

2002

Tier 1 Capital Ratio

capital

Value: 11.15%

Peer Median: 15.83%

#2002 of 2664 Bottom 24.9% in $100M-$1B