BlastPoint's Banking Scorecard

NEW FRONTIER BANK

$100M-$1B Specialty: Commercial MO FDIC cert 35597

Saint Charles, MO

3 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

NEW FRONTIER BANK has 2 strengths but faces 6 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 48.2% in tier
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 41.4% in tier
- Capital Thin: Bottom 45.0% in tier
- Non-Interest Income / Assets 0.25% below tier average
- ROA 0.24% below tier average
- Net Interest Margin 0.32% below tier average
- Efficiency Ratio 3.95% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$180.3M +5.3% YoY +5.3% QoQ	-$205.8M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	22%
Total Loans ?	$127.0M +9.4% YoY -0.1% QoQ	-$128.7M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	28%
Total Deposits ?	$163.8M +5.2% YoY +5.8% QoQ	-$164.2M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	25%
Return on Assets ?	1.03% +88.1% YoY +34.6% QoQ	-0.24%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	40%
Net Interest Margin ?	3.61% +6.7% YoY -0.8% QoQ	-0.32%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	36%
Efficiency Ratio ?	69.24% -15.4% YoY -9.5% QoQ	+3.95%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	34%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	77.55% +4.1% YoY -5.6% QoQ	+0.91%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	52%
Non-Interest-Bearing Deposit Share ?	18.54% -17.4% YoY -5.0% QoQ	-3.48%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	38%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	10.23% -6.0% YoY +0.6% QoQ	-5.60%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	Bottom 12.4% in tier
Non-Interest Income / Assets ?	0.03% -5.1% YoY -78.0% QoQ	-0.25%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	Bottom 10.0% in tier

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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

#321 of 664 • Top 48.2% 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)

NIB Deposit Bleed

decline

#83 of 198 • Bottom 41.4% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 18.54%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ

Capital Thin

risk

#301 of 666 • Bottom 45.0% 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: 10.23%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

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 (4 metrics)

2399

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2399 of 2664 Bottom 10.0% in $100M-$1B

2334

Tier 1 Capital Ratio

capital

Value: 10.23%

Peer Median: 15.83%

#2334 of 2664 Bottom 12.4% in $100M-$1B

2089

Total Assets

size

Value: $180.26M

Peer Median: $386.08M

#2089 of 2664 Bottom 21.6% in $100M-$1B

2007

Total Deposits

size

Value: $163.81M

Peer Median: $327.97M

#2007 of 2664 Bottom 24.7% in $100M-$1B