BlastPoint's Banking Scorecard
Frontier Bank
Micro
Specialty: Agricultural
SD
FDIC cert 33922
Designations: ✓ Community bank
Sioux Falls, SD
2498
banks in Micro tier nationally
34 in SD
View Micro leaderboard (SD) →
Frontier Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.11% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$341.9M
+4.2% YoY
+0.1% QoQ
|
+$124.4M |
$217.5M
+2.3% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$230.1M
+8.5% YoY
+1.9% QoQ
|
+$90.9M |
$139.2M
+2.8% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
81% |
| Total Deposits ? |
$311.4M
+6.5% YoY
-1.9% QoQ
|
+$127.7M |
$183.7M
+1.8% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
83% |
| Return on Assets ? |
0.52%
+14.2% YoY
+12.0% QoQ
|
-0.57% |
1.08%
+14.7% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
2.74%
+24.1% YoY
+2.1% QoQ
|
-1.11% |
3.85%
+6.6% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
80.11%
-6.0% YoY
-1.6% QoQ
|
+12.38% |
67.73%
-4.8% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
21% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
73.88%
+1.9% YoY
+3.9% QoQ
|
-0.64% |
74.53%
+0.5% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
10.89%
-5.2% YoY
+1.3% QoQ
|
-11.51% |
22.39%
-1.3% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
11.31%
-1.8% YoY
+0.2% QoQ
|
+2.46% |
8.85%
-3.4% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.41%
-9.5% YoY
+36.6% QoQ
|
-0.15% |
0.56%
+0.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
57% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Net Interest Margin
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.74%
(Tier avg: 3.85%, National avg: 3.75%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
83
83th pctile
Total Deposits
Current: $311.4M · Tier avg: $183.7M
81
81th pctile
Total Loans
Current: $230.1M · Tier avg: $139.2M
79
79th pctile
Total Assets
Current: $341.9M · Tier avg: $217.5M
57
57th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.31% · Tier avg: 8.85%
55
55th pctile
Loan-to-Deposit Ratio
Current: 73.88% · Tier avg: 74.53%
21
21th pctile
Efficiency Ratio
Current: 80.11% · Tier avg: 67.73%
19
19th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.08%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.89% · Tier avg: 22.39%
9
9th pctile
Net Interest Margin
Current: 2.74% · Tier avg: 3.85%
Top Weaknesses
9
9th pctile
Net Interest Margin
Current: 2.74% · Tier avg: 3.85%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.89% · Tier avg: 22.39%
19
19th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.08%
21
21th pctile
Efficiency Ratio
Current: 80.11% · Tier avg: 67.73%
55
55th pctile
Loan-to-Deposit Ratio
Current: 73.88% · Tier avg: 74.53%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.31% · Tier avg: 8.85%
57
57th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
79
79th pctile
Total Assets
Current: $341.9M · Tier avg: $217.5M
81
81th pctile
Total Loans
Current: $230.1M · Tier avg: $139.2M
83
83th pctile
Total Deposits
Current: $311.4M · Tier avg: $183.7M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%