# FRONTIER BANK
LAMAR, CO · FDIC certificate 14730 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $436.4M | |
| Deposits | $388.9M | |
| Loans and leases | $209.5M | |
| Total equity | $43.7M | |
| Loans / deposits | 52.79% (p8 of band) | 82.04% |
| Liquid assets / assets | 51.19% (p93 of band) | |
| Uninsured deposits / deposits | 34.10% (p77 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.46% (p29 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.78% (p50 of band) | 10.81% |
| Unrealized securities loss / equity | -8.41% (p49 of band) | -8.10% |
| AOCI / equity | -1.02% (p22 of band) | |
| ROA (annualized) | 2.12% (p89 of band) | 1.28% |
| Net interest margin | 3.78% (p42 of band) | 3.91% |
| Efficiency ratio | 44.14% (p9 of band) | |
| Noncurrent loans | 0.32% (p43 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p16 of band) | |
| Reserve coverage of noncurrent | 621.10% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 0.71% (p4 of band) | |
| Auto loans | $644,000 (0.31% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.5% | |
| Employees | 56 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | charge-offs p90 |  |
| 2015-09 | 0 |  | charge-offs p90 |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | uninsured deposits leaving |  |
| 2024-03 | 1 |  | uninsured deposits leaving |
| 2024-06 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2024-09 | 1 |  | securities losses >30% of equity, uninsured deposits leaving |
| 2024-12 | 0 |  | deposits shrinking |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-11-28 [Norton Rose Fulbright advises Equity Bancshares in US$122.8 million acquisition of Frontier Holdings - Norton Rose Fulbright](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPU2ZKR2Z2ZUxRN2d6LXdIbTR1bl9SaHprMGFaNW1KTldzU2xBZGdUNlgxbHZNdmxwNXV6VExqS1p0LTdFVi0yNUdrY1pEbVlOQ3ZXSGlLaFFNTWx5MU1Ma2xWRnM2b2I5YU55YWtCeUJSaUJSVm1laVpvRkpWN3BFcXAzTWZIS2d5Zks4OE5SbGN3ekxWZnFudHdURnZ4a3BVVGg5eUhQQ3pZVC1FaFdYTGVENUp6d3RseUlBd2UyNnpiWHRaaUt0Y3pWT254bzlrbUE?oc=5) · Norton Rose Fulbright
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-01-03 [Equity Bancshares completes merger with Frontier Holdings LLC - hayspost.com](https://news.google.com/rss/articles/CBMicEFVX3lxTFAtVU9VQUt4YXJjUFJmdlZNdno4VmhzclhzaTZZWTRDM1pwMlozcklJYzJCVERGZDVYQW1aZDhoUEI4cEV4XzdSS2FCRXhWRllSekd5Tl9nZnE3cmRzdkVFZkJ0THFnYk5jbHBhWkdQaVE?oc=5) · hayspost.com
- 2015-04-25 [FDIC levies fines against New Frontier Bank directors - The Coloradoan](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOUDg2VnlsdDJFcnlXa0U0aXlyWVhvdWJ0emJUR0pka05JTWY1eE11NGNJcDBCeEZxMHJEaVJ6QXA2LUpmbjJGeXBwTjFOQmFMeGxwb1NlOEpyS050SlppZnVvQ0VyQzNVdi13dkt3bGxTVEI0OUg2VDh1dWNjUDVSOTN0cjdtTTltOEFaX3c2cS02N1prZHBXVDExVmNGU1ZNdHBDOHhoWmJIN09TNnY2NWtqMS1MUG1USXpz?oc=5) · The Coloradoan
- 2024-12-02 [Frontier Bank heads to former Art Institute of Austin building in Bastrop - Community Impact](https://news.google.com/rss/articles/CBMiywFBVV95cUxNWWtiaEFwMHZ5NGFPS1FtTmprdGNfVE9qaWJ5Yk1JR0Q2bUtraXBnMzRGM0c0Q2JVcUp6X1FudktCX0Q2VDVnSVVmeU9GWjJuaTZ1Q2FFZmJubkRKZTNzZ0lxWkttN0ZobnliQ0t2Wm5Id1ZieC1vNWlpTWh5aW1FaEZjUVc4cG9xRlhHc1ZFaGEyWFBSZHdpS0d2QVJqVm8teDVCWXN3cWhES3FUYkVyZC02T3h4N25QZXNCd1JyVWNpc01lWE9GTkRhMA?oc=5) · Community Impact
- 2025-09-05 [Kansas bank strikes 4th M&A deal in 2 years - American Banker](https://news.google.com/rss/articles/CBMinwFBVV95cUxOS2lMLTYzU1hsRUo5ZTBmNkNDcE5LT1VsdGtSSHowcTg0bDFLTnFzOW5xYXp4cm1IaHVXN3NEOGhmc1Y2eW1OY3BXamw3Zmd4emZmRnhhblhtOTVwNDhWcWxkSjBIZVNOVV9jMlYtUm1RdkFVRHZXdjFjcGtlTV90bGdrdFRLcThBa2JNa2lZenpDam13aEM0QWw0ZUxmRmM?oc=5) · American Banker
- 2026-07-17 [Equity Bank will focus on organic growth after integrating Frontier Bank and its $1.4 billion in assets - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxQd2U3NkQ2aWE0Z1ZZM3EySDZEdHVuNmtCcHF1cEsxQmN5WlJ5STA0MXRQOFdGb2VZYTJzXy1EYldCUk1OMjlNSnM5cnVXd1hsN19HN3ZESXVvR252S3JqVWlhVVlZT0piRFJhWGR1VTFHWXhXenp5ZnhDanV2TGR2WEVNNE1hSGxyZjk2N0tVQmZ0bFVJSUotZVc3TDBaS2hPRGROSVM3ekJDeGtDdTFJ?oc=5) · The Business Journals
- 2011-08-05 [St. Charles County bank president reported missing - STLPR](https://news.google.com/rss/articles/CBMiigFBVV95cUxNaTUySURaMi05S2pJcXFrRkpTQndpUDFTVXR6SEFtWm9vdFQxVG5QNFJ3ZC1CazhtTTN6cE1LMzJBT3U0Q1E1TDZDelZsZzRjZjdfNnh3T2ZfLW1JeGVQbmJ1OUZ2bE9uVTFIU2oxR2xteXFscjkzemlaMldBMTRTTERCQTd4NGhidVE?oc=5) · STLPR

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14730 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/10.json (key "14730", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide