| Metric | Frontier Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +4.4% | -3.7 pts |
| Deposit growth (YoY) | +3.6% | +4.0% | -0.3 pts |
| Loan growth (YoY) | +1.5% | +5.6% | -4.1 pts |
| ROA | 0.47% | 1.24% | -0.8 pts |
| ROE | 7.1% | 11.9% | -4.8 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $349.2M | $323.8M | $238.7M | $23.5M | $816K | 0.47% | 3.07% | 0.00% |
| Q1 2026 | $344.8M | $314.9M | $238.9M | $22.8M | $300K | 0.35% | 3.02% | 0.00% |
| Q4 2025 | $341.9M | $311.4M | $230.1M | $23.1M | $1.8M | 0.52% | 2.74% | 0.00% |
| Q3 2025 | $341.5M | $317.3M | $225.7M | $22.3M | $1.2M | 0.46% | 2.69% | 0.00% |
| Q2 2025 | $346.8M | $312.4M | $235.2M | $20.6M | $711K | 0.42% | 2.64% | 0.00% |
| Q1 2025 | $338.2M | $301.4M | $222.6M | $20.7M | $359K | 0.43% | 2.50% | 0.00% |
| Q4 2024 | $328.1M | $292.4M | $212.0M | $20.2M | $1.5M | 0.45% | 2.21% | 0.00% |
| Q3 2024 | $336.4M | $292.4M | $201.8M | $21.9M | $1.0M | 0.41% | 2.16% | 0.00% |
Loan mix (Q2 2026): real estate $181.1M · commercial $13.7M · consumer $3.0M · securities $91.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Frontier Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 1.24% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 11.9% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.07% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.8% | 62.9% | 84th |
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% |
The full ratio pack is part of CharterBench Pro.