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NEW FRONTIER BANK

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

Saint Charles, MO

3 branches across MO

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 140 in MO.
  • Deposits +6.7% year over year ($158.9M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.02%.
  • Efficiency ratio 68.67% vs a 64.48% peer average.
  • Loan-to-deposit ratio 83.96% 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 140 in MO
View $100M-$1B leaderboard (MO) →

NEW 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 45.5% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 42.5% in tier
  • - ROA 0.30% below tier average
  • - Net Interest Margin 0.33% below tier average
  • - Efficiency Ratio 4.19% above tier average
Get updates when NEW FRONTIER BANK releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $175.7M
+6.6% YoY -2.5% QoQ
-$210.9M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
20%
Total Loans ? $133.4M
+18.2% YoY +5.0% QoQ
-$125.0M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
29%
Total Deposits ? $158.9M
+6.7% YoY -3.0% QoQ
-$167.9M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
24%
Return on Assets ? 1.02%
+62.0% YoY -0.4% QoQ
-0.30% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
35%
Net Interest Margin ? 3.66%
+5.2% YoY +1.5% QoQ
-0.33% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
35%
Efficiency Ratio ? 68.67%
-14.1% YoY -0.8% QoQ
+4.19% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
33%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 83.96%
+10.8% YoY +8.3% QoQ
+6.01% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
41%
Non-Interest-Bearing Deposit Share ? 18.96%
-8.1% YoY +2.3% QoQ
-3.07% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
41%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 9.25%
-17.2% YoY -9.5% QoQ
-6.66% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
Bottom 2.8% in tier
Non-Interest Income / Assets ? 0.08%
+4.4% YoY +148.9% QoQ
-0.48% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
Bottom 14.1% in tier

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 (MO) National Avg Tier Percentile
Noninterest-Bearing 19.0%
-1.7pp YoY
+0.4pp QoQ
 -3.2pp 22.1% 20.9% 22.2% 40%
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 (MO) National Avg Tier Percentile
C&I 10.8%
+3.3pp YoY
+0.5pp QoQ
 -0.8pp 11.6% 12.3% 12.5% 57%
CRE 64.1%
-7.4pp YoY
-4.1pp QoQ
 +24.5pp 39.5% 36.8% 41.4% 88%
1-4 Family 20.6%
+2.7pp YoY
+5.0pp QoQ
 -12.0pp 32.6% 31.9% 31.3% 31%
Consumer 2.8%
-0.8pp YoY
-0.4pp QoQ
 -1.3pp 4.1% 4.1% 5.0% 58%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 18.5% 19.7% n/a
Leverage Ratio 9.3%
-0.1pp YoY
0.0pp QoQ
 -2.9pp 12.2% 11.6% 12.6% 16%
Total Capital Ratio n/a n/a 19.9% 19.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 28
+3 (+12.0%) YoY
0 QoQ
 -31 58 162 482 24%
Assets per Employee ($) $6.3M
-4.8% YoY
-2.5% QoQ
 -$1.2M $7.5M $8.0M $8.8M 38%
Branch Count 3
0 YoY
0 QoQ
 -2 4 10 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 10.47x 20.23x n/a
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.3% 0.2% 7%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 11.4%
+4.2pp YoY
-0.1pp QoQ
 -0.8pp 12.2% 14.3% 11.6% 46%
Cost of Funds (YTD) 2.2%
-0.2pp YoY
0.0pp QoQ
 +0.5pp 1.7% 1.8% 1.7% 82%
Net Income ($, YTD) $898,000
+69.1% YoY
— QoQ
 -$1.7M $2.6M $11.3M $40.4M 24%

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
#301 of 659 • Top 45.5% 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)

Capital Thin

risk
#282 of 661 • Bottom 42.5% 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: 9.25%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | 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)

2569
Tier 1 Capital Ratio
capital
Value: 9.25%
Peer Median: 15.91%
#2569 of 2643 Bottom 2.8% in $100M-$1B
2271
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.57%
#2271 of 2643 Bottom 14.1% in $100M-$1B
2105
Total Assets
size
Value: $175.71M
Peer Median: $386.57M
#2105 of 2643 Bottom 20.4% in $100M-$1B
2020
Total Deposits
size
Value: $158.86M
Peer Median: $326.73M
#2020 of 2643 Bottom 23.6% in $100M-$1B
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