BlastPoint's Banking Scorecard
NEW FRONTIER BANK
Micro
Specialty: Commercial
MO
FDIC cert 35597
Designations: ✓ Community bank
Saint Charles, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
NEW FRONTIER BANK demonstrates 2 strengths
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
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$171.2M
+1.3% YoY
+1.9% QoQ
|
-$46.3M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? |
$127.2M
+12.2% YoY
+2.5% QoQ
|
-$12.0M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$154.9M
+0.5% YoY
+2.2% QoQ
|
-$28.8M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
0.76%
+16.8% YoY
+4.4% QoQ
|
-0.32% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
3.63%
+6.1% YoY
+1.4% QoQ
|
-0.22% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
41% |
| Efficiency Ratio ? |
76.52%
-3.0% YoY
-0.6% QoQ
|
+8.80% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
82.14%
+11.6% YoY
+0.4% QoQ
|
+7.61% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
19.51%
-8.5% YoY
-5.4% QoQ
|
-2.88% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
40% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
10.17%
-7.0% YoY
-2.6% QoQ
|
+1.31% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.15%
-3.2% YoY
+30.4% QoQ
|
-0.41% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
16% |
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 (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
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%
52
52th pctile
Total Loans
Current: $127.2M · Tier avg: $139.2M
52
52th pctile
Tier 1 Capital Ratio
Current: 10.17% · Tier avg: 8.85%
47
47th pctile
Total Deposits
Current: $154.9M · Tier avg: $183.7M
44
44th pctile
Total Assets
Current: $171.2M · Tier avg: $217.5M
41
41th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.85%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.51% · Tier avg: 22.39%
38
38th pctile
Loan-to-Deposit Ratio
Current: 82.14% · Tier avg: 74.53%
31
31th pctile
Return on Assets
Current: 0.76% · Tier avg: 1.08%
26
26th pctile
Efficiency Ratio
Current: 76.52% · Tier avg: 67.73%
16
16th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
Top Weaknesses
16
16th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
26
26th pctile
Efficiency Ratio
Current: 76.52% · Tier avg: 67.73%
31
31th pctile
Return on Assets
Current: 0.76% · Tier avg: 1.08%
38
38th pctile
Loan-to-Deposit Ratio
Current: 82.14% · Tier avg: 74.53%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.51% · Tier avg: 22.39%
41
41th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.85%
44
44th pctile
Total Assets
Current: $171.2M · Tier avg: $217.5M
47
47th pctile
Total Deposits
Current: $154.9M · Tier avg: $183.7M
52
52th pctile
Tier 1 Capital Ratio
Current: 10.17% · Tier avg: 8.85%
52
52th pctile
Total Loans
Current: $127.2M · Tier avg: $139.2M
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%