Total Assets
$425M
Total balance-sheet footings
FDIC Cert #14730 · Lamar, Colorado · Est. 1934
Frontier Bank - FDIC Bank Health Profile
A community-scale look at Frontier Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $425M
- Total assets
- A
- Health grade · Excellent
- 1.94%
- Return on assets
- 18.6%
- Tier 1 capital
Data updated July 2026
The verdict
Frontier Bank earns a PlainBankData health grade of A (100/100), with well-capitalized at 18.59% Tier 1, profitable at 1.94% ROA, efficient (49% cost ratio).
- #2,008
- largest of 4,313 FDIC banks by assets
- 53rd
- percentile by asset size, nationally
- 18.59%
- Tier 1 ratio - above the 10% well-capitalized line
- 89th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Frontier Bank's 100/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Frontier Bank's composite health score
Tier 1 Capital Ratio (18.59%) 40/40
Return on Assets (ROA) (1.94%) 25/25
Texas Ratio (0.04%) 20/20
Efficiency Ratio (48.53%) 15/15
100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$380M
Customer-funded liabilities
Net Loans
$194M
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Frontier Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Frontier Bank's score of 100/100 falls in the highlighted band.
Frontier Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Frontier Bank's $425M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
18.59% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
18.59%
Texas Ratio
0.04%
Equity Capital
$43M
Profitability metrics
Return on Assets (ROA)
89th percentile nationally
1.94%
Return on Equity (ROE)
20.60%
Efficiency Ratio
48.53%
What the numbers say about Frontier Bank
Frontier Bank is an FDIC-insured institution (Certificate #14730) headquartered in Lamar, Colorado, established in 1934. It holds $425M in total assets - 2,008th of 4,313 FDIC-insured banks, $380M in customer deposits, and $194M in net loans. Looking at capital strength, Tier 1 stands at 18.59%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.04%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (100/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Colorado, Frontier Bank ranks 25th of 65 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$21M
Interest Income
$2M
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Frontier Bank reports a Texas Ratio of 0.04% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.04% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Colorado by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Frontier Bank (FDIC Cert #14730) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Colorado
All Colorado banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| FirstBankLakewood | $26.5B | A | 1.20% |
| NBH BankGreenwood Village | $9.8B | A | 1.18% |
| Bank of ColoradoFort Collins | $7.7B | A | 1.07% |
| Alpine BankGlenwood Springs | $6.9B | A | 1.16% |
| First Western Trust BankDenver | $3.2B | C | 0.51% |
| ANB BankDenver | $3.0B | B | 0.81% |
| Colorado Federal Savings BankGreenwood Village | $2.7B | A | 0.57% |
| Solera National BankLakewood | $1.6B | B | 1.86% |
Frequently asked questions
What is Frontier Bank's health grade?▼
Frontier Bank receives a health grade of A (100/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Frontier Bank?▼
Frontier Bank holds $425M in total assets and $380M in deposits, ranking 2,008th of 4,313 FDIC-insured banks by asset size. It is headquartered in Lamar, Colorado.
Is my money safe at Frontier Bank?▼
Yes, deposits at Frontier Bank (Certificate #14730) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Frontier Bank's Tier 1 Capital Ratio?▼
Frontier Bank has a Tier 1 Capital Ratio of 18.59%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Frontier Bank?▼
Frontier Bank has a Texas Ratio of 0.04%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Frontier Bank?▼
Frontier Bank has an Efficiency Ratio of 48.53%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Frontier Bank's profile as a depositor or analyst.
- Frontier Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Frontier Bank against other Colorado banks before moving funds. Colorado banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.