| Metric | NEW FRONTIER BANK | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +4.4% | +2.2 pts |
| Deposit growth (YoY) | +6.7% | +4.0% | +2.7 pts |
| Loan growth (YoY) | +18.2% | +5.6% | +12.6 pts |
| ROA | 1.02% | 1.24% | -0.2 pts |
| ROE | 11.4% | 11.9% | -0.5 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $175.7M | $158.9M | $133.4M | $16.0M | $898K | 1.02% | 3.66% | 0.00% |
| Q1 2026 | $180.3M | $163.8M | $127.0M | $15.6M | $451K | 1.03% | 3.61% | 0.00% |
| Q4 2025 | $171.2M | $154.9M | $127.2M | $15.7M | $1.3M | 0.76% | 3.63% | 0.00% |
| Q3 2025 | $168.1M | $151.6M | $124.0M | $15.4M | $922K | 0.73% | 3.58% | 0.00% |
| Q2 2025 | $164.8M | $148.9M | $112.8M | $15.0M | $531K | 0.63% | 3.48% | 0.00% |
| Q1 2025 | $171.1M | $155.8M | $116.1M | $14.7M | $232K | 0.55% | 3.38% | 0.00% |
| Q4 2024 | $169.0M | $154.0M | $113.4M | $14.3M | $1.0M | 0.65% | 3.43% | 0.00% |
| Q3 2024 | $163.1M | $147.6M | $111.2M | $14.5M | $693K | 0.61% | 3.46% | 0.00% |
Loan mix (Q2 2026): real estate $116.4M · commercial $14.4M · consumer $3.8M · securities $22.8M
| Ratio | NEW FRONTIER BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 1.24% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 11.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.7% | 62.9% | 66th |
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 | NEW 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 | NEW 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 | NEW 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 | NEW 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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