| Metric | Frontier State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +4.9% | -0.7 pts |
| Deposit growth (YoY) | -4.2% | +4.3% | -8.5 pts |
| Loan growth (YoY) | +3.9% | +5.3% | -1.5 pts |
| ROA | 1.62% | 1.28% | +0.3 pts |
| ROE | 14.3% | 12.4% | +1.9 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $608.6M | $457.5M | $475.8M | $67.5M | $4.9M | 1.62% | 3.35% | 3.81% |
| Q1 2026 | $600.7M | $495.9M | $474.7M | $67.7M | $2.4M | 1.62% | 3.33% | 0.90% |
| Q4 2025 | $588.4M | $466.1M | $458.2M | $68.2M | $10.4M | 1.83% | 3.55% | 0.15% |
| Q3 2025 | $580.1M | $466.8M | $452.3M | $67.3M | $7.7M | 1.81% | 3.54% | 0.31% |
| Q2 2025 | $584.1M | $477.6M | $458.1M | $65.6M | $4.8M | 1.71% | 3.44% | 0.18% |
| Q1 2025 | $561.6M | $469.7M | $444.0M | $65.0M | $2.3M | 1.68% | 3.40% | 0.10% |
| Q4 2024 | $535.5M | $455.2M | $424.3M | $64.3M | $8.0M | 1.50% | 3.21% | 0.00% |
| Q3 2024 | $535.5M | $470.0M | $420.7M | $63.4M | $5.8M | 1.45% | 3.16% | 0.09% |
Loan mix (Q2 2026): real estate $382.1M · commercial $41.7M · consumer $1.7M · securities $70.3M
| Ratio | Frontier State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 1.28% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 14.3% | 12.4% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.9% | 61.2% | 16th |
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 State 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 State 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 State 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 State 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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