| Metric | Frontier Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +4.4% | +1.6 pts |
| Deposit growth (YoY) | +5.5% | +4.0% | +1.6 pts |
| Loan growth (YoY) | +8.2% | +5.6% | +2.6 pts |
| ROA | 2.12% | 1.24% | +0.9 pts |
| ROE | 21.3% | 11.9% | +9.4 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $436.4M | $388.9M | $205.3M | $43.7M | $4.6M | 2.12% | 3.78% | 0.15% |
| Q1 2026 | $432.0M | $384.9M | $195.4M | $42.2M | $2.3M | 2.11% | 3.69% | 0.09% |
| Q4 2025 | $424.9M | $380.2M | $194.5M | $43.0M | $8.1M | 1.94% | 3.50% | 0.00% |
| Q3 2025 | $418.4M | $374.7M | $193.4M | $41.9M | $6.3M | 2.03% | 3.43% | 0.01% |
| Q2 2025 | $411.9M | $368.5M | $189.8M | $38.8M | $4.0M | 1.94% | 3.33% | 0.01% |
| Q1 2025 | $418.8M | $379.5M | $186.5M | $37.5M | $2.0M | 1.97% | 3.21% | 0.10% |
| Q4 2024 | $410.6M | $373.4M | $196.0M | $35.3M | $6.5M | 1.58% | 3.00% | 0.11% |
| Q3 2024 | $409.9M | $349.0M | $194.6M | $38.6M | $5.0M | 1.61% | 2.96% | 0.01% |
Loan mix (Q2 2026): real estate $173.7M · commercial $7.0M · consumer $1.8M · securities $216.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Frontier Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.12% | 1.24% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 21.3% | 11.9% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.1% | 62.9% | 8th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Frontier Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Frontier Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Frontier Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Frontier Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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