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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 14730 · CO A · 100/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (100/100)
  • TOP-DECILE #75/4307
  • PHOTO-FINISH First National Bank · SD
  • TIER1-WELL 18.6% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 1.94% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Colorado: First National Bank, SD (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Frontier Bank

Lowest and highest poles plus nearest scored peers outside Colorado, not a full FDIC corpus board reprint.

Durden Banking Compa… · GA ·…100/100Farmers State Bank · IN · ne…100/100Farmers Trust & Savi… · IA ·…100/100First National Bank · SD · n…100/100Frontier Bank · CO · this ba…100/100Morgan Stanley Bank,… · UT ·…100/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Frontier Bank · July 2026

Call Report read for Frontier Bank in a high-failure state

Frontier Bank (FDIC Cert #14730) carries a PlainBankData health grade of A at 100/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #75 of 4,307. Tier 1 capital prints at 18.59%, clearing the 10% well-capitalized line. The Texas Ratio is 0.04%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.94%. Balance-sheet scale is $425M, 2,008th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First National Bank (SD), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Frontier Bank

10 FAILURE resolutions in Colorado since 2000, heavy vs the state corpus

Frontier Bank sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2015). The list below is state history from the Failed Bank List, not a claim about Frontier Bank's current Call Report.

  • PREMIER BANK DENVER, CO 2015 → UNITED FIDELITY BANK, FSB
  • COLORADO CAPITAL BANK CASTLE ROCK, CO 2011 → FIRST-CITIZENS BANK & TRUST COMPANY
  • SIGNATURE BANK WINDSOR, CO 2011 → POINTS WEST COMMUNITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Colorado banks.

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.

0/100100/100National avg77/100100/100
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 Assets

$425M

Total balance-sheet footings

Total Deposits

$380M

Customer-funded liabilities

Net Loans

$194M

Outstanding loan book

Net Income

$8M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 17.19% 18.59% 19.99%
Basel III capital ratios - Frontier Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

100 Top 2% higher than 98% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Frontier Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at Frontier Bank

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

What these ratios mean →

Earnings posture at Frontier Bank

Return on Assets (ROA)
89th percentile nationally
1.94%
Return on Equity (ROE)
20.60%
Efficiency Ratio
48.53%

What these mean →

Income & expense at Frontier Bank

$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.

FDIC Failed Bank List → View Frontier Bank on FDIC BankFind →

Top banks in Colorado by total assets

Largest banks headquartered in Colorado
  1. 1
    FirstBank $26.5B

    Lakewood, CO · Grade A

  2. 2
    NBH Bank $9.8B

    Greenwood Village, CO · Grade A

  3. 3
    Bank of Colorado $7.7B

    Fort Collins, CO · Grade A

  4. 4
    Alpine Bank $6.9B

    Glenwood Springs, CO · Grade A

  5. 5
    First Western Trust Bank $3.2B

    Denver, CO · Grade C

Top 5 banks in Colorado ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($425M here), outside Colorado so the neighborhood is not state containment.

Exchange Bank $425M · GA Dakota Heritage Bank $425M · ND First Vision Bank of Tennessee $426M · TN First National Bank $426M · IN

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.

Frontier Bank Call Report profile · FDIC Failed Bank List · Colorado FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Colorado

All Colorado banks →
BankAssetsGradeROA
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%