BlastPoint's Banking Scorecard
Frontier Bank
Micro
Specialty: Agricultural
CO
FDIC cert 14730
Designations: ✓ Community bank
Lamar, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
Frontier Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.19% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$424.9M
+3.5% YoY
+1.6% QoQ
|
+$207.4M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
Top 9% in tier |
| Total Loans ? |
$194.5M
-0.8% YoY
+0.6% QoQ
|
+$55.3M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
72% |
| Total Deposits ? |
$380.2M
+1.8% YoY
+1.5% QoQ
|
+$196.5M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
Top 5% in tier |
| Return on Assets ? |
1.94%
+23.0% YoY
-4.3% QoQ
|
+0.86% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
3.50%
+16.7% YoY
+1.9% QoQ
|
-0.36% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
48.53%
-8.9% YoY
+2.7% QoQ
|
-19.19% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
0.01%
-95.2% YoY
-9.2% QoQ
|
-0.63% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
51.15%
-2.6% YoY
-0.9% QoQ
|
-23.37% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.96%
+3.5% YoY
+13.1% QoQ
|
-0.43% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.00%
-95.4% YoY
-10.1% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
82% |
| Tier 1 Capital Ratio ? |
18.59%
+5.2% YoY
-0.8% QoQ
|
+9.74% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.52%
+6.4% YoY
+32.0% QoQ
|
-0.04% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
71% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
48.53%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Total Deposits
Current: $380.2M · Tier avg: $183.7M
92
92th pctile
Efficiency Ratio
Current: 48.53% · Tier avg: 67.73%
91
91th pctile
Total Assets
Current: $424.9M · Tier avg: $217.5M
89
89th pctile
Return on Assets
Current: 1.94% · Tier avg: 1.08%
83
83th pctile
Tier 1 Capital Ratio
Current: 18.59% · Tier avg: 8.85%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
81
81th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
72
72th pctile
Total Loans
Current: $194.5M · Tier avg: $139.2M
71
71th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.56%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 21.96% · Tier avg: 22.39%
34
34th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.85%
14
14th pctile
Loan-to-Deposit Ratio
Current: 51.15% · Tier avg: 74.53%
Top Weaknesses
14
14th pctile
Loan-to-Deposit Ratio
Current: 51.15% · Tier avg: 74.53%
34
34th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.85%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 21.96% · Tier avg: 22.39%
71
71th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.56%
72
72th pctile
Total Loans
Current: $194.5M · Tier avg: $139.2M
81
81th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
83
83th pctile
Tier 1 Capital Ratio
Current: 18.59% · Tier avg: 8.85%
89
89th pctile
Return on Assets
Current: 1.94% · Tier avg: 1.08%
91
91th pctile
Total Assets
Current: $424.9M · Tier avg: $217.5M
92
92th pctile
Efficiency Ratio
Current: 48.53% · Tier avg: 67.73%
95
95th pctile
Total Deposits
Current: $380.2M · Tier avg: $183.7M