# FRONTIER BANK
OMAHA, NE · FDIC certificate 15545 · asset band $1-10B · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (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 | $1.43B | |
| Deposits | $1.13B | |
| Loans and leases | $1.30B | |
| Total equity | $140.3M | |
| Loans / deposits | 113.62% (p96 of band) | 86.41% |
| Liquid assets / assets | 6.78% (p2 of band) | |
| Uninsured deposits / deposits | 21.88% (p23 of band) | 31.00% |
| Brokered deposits | 12.97% | |
| Wholesale funding | 22.83% (p91 of band) | |
| FHLB advances / assets | 9.86% | |
| Tier 1 leverage | 9.50% (p26 of band) | 10.37% |
| Unrealized securities loss / equity | -5.90% (p57 of band) | -7.29% |
| AOCI / equity | 2.32% (p41 of band) | |
| ROA (annualized) | 1.23% (p59 of band) | 1.12% |
| Net interest margin | 3.19% (p28 of band) | 3.59% |
| Efficiency ratio | 59.14% (p45 of band) | |
| Noncurrent loans | 0.54% (p54 of band) | 0.50% |
| Net charge-offs (annualized) | 0.01% (p33 of band) | |
| Reserve coverage of noncurrent | 204.63% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 122.03% (p94 of band) | |
| Auto loans | $2.0M (0.16% of loans; DQ 0.54%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p36 of band) | |
| Deposits YoY | 5.4% | |
| Employees | 101 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2011-09 | 3 | capital falling | brokered >10%, wholesale funding >15% |
| 2011-12 | 4 | wholesale funding >15%, reserve under noncurrent | capital falling |
| 2012-03 | 3 |  | wholesale funding >15% |
| 2012-06 | 6 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2012-09 | 5 |  | reserve under noncurrent |
| 2012-12 | 4 | construction >100% equity | brokered >10%, capital falling |
| 2013-03 | 4 |  |  |
| 2013-06 | 3 |  | wholesale funding >15% |
| 2013-09 | 4 | wholesale funding >15% |  |
| 2013-12 | 5 | brokered >10% |  |
| 2014-03 | 4 | capital falling | loans exceed deposits, liquid assets <10% |
| 2014-06 | 6 | loans exceed deposits, uninsured deposits leaving |  |
| 2014-09 | 4 |  | capital falling, loans exceed deposits |
| 2014-12 | 5 | loans exceed deposits |  |
| 2015-03 | 4 |  | loans exceed deposits |
| 2015-06 | 5 | loans exceed deposits, capital falling | uninsured deposits leaving |
| 2015-09 | 3 |  | loans exceed deposits, capital falling |
| 2015-12 | 2 |  | construction >100% equity |
| 2016-03 | 5 | capital falling, charge-offs p90, reserve under noncurrent |  |
| 2016-06 | 4 |  | charge-offs p90 |
| 2016-09 | 3 |  | reserve under noncurrent |
| 2016-12 | 3 | charge-offs p90 | capital falling |
| 2017-03 | 3 |  |  |
| 2017-06 | 5 | reserve under noncurrent, uninsured deposits leaving |  |
| 2017-09 | 6 | loans exceed deposits, noncurrent p90 | uninsured deposits leaving |
| 2017-12 | 4 |  | reserve under noncurrent, noncurrent p90 |
| 2018-03 | 4 | reserve under noncurrent | loans exceed deposits |
| 2018-06 | 5 | loans exceed deposits, noncurrent p90 | charge-offs p90 |
| 2018-09 | 6 | charge-offs p90 |  |
| 2018-12 | 3 |  | brokered >10%, noncurrent p90, charge-offs p90 |
| 2019-03 | 4 | charge-offs p90 |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 5 | capital falling |  |
| 2019-12 | 5 |  |  |
| 2020-03 | 3 | liquid assets <10% | wholesale funding >15%, charge-offs p90, capital falling |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 |  | reserve under noncurrent |
| 2020-12 | 1 |  | liquid assets <10% |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 2 | capital falling | loans exceed deposits |
| 2021-09 | 2 | loans exceed deposits | charge-offs p90 |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | construction >100% equity | capital falling |
| 2022-06 | 3 | wholesale funding >15% |  |
| 2022-09 | 4 | liquid assets <10% |  |
| 2022-12 | 4 | deposits shrinking | liquid assets <10% |
| 2023-03 | 4 | liquid assets <10% | deposits shrinking |
| 2023-06 | 4 |  |  |
| 2023-09 | 6 | brokered >10%, capital falling |  |
| 2023-12 | 5 |  | capital falling |
| 2024-03 | 5 |  |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 6 | capital falling |  |
| 2025-06 | 6 |  |  |
| 2025-09 | 6 |  |  |
| 2025-12 | 5 |  | capital falling |

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

- 2026-07-17 [Frontier Bank to open Buda location this fall | San Marcos - Buda - Kyle - Community Impact](https://news.google.com/rss/articles/CBMipwFBVV95cUxPZUZ3eHBlS3NQRG5KelFsM2JnR3QyNzRWVVI4UmRrT0FNSEVGbENYUFJrU1RXbzNyTkpXT2tzaGs2MDA2OHV5WURGbFljTXNuanhJVmt6RnNudlBUbXRjLS1kVmN2SGhiLXVGS1oySlcwTWR3dFUyeXQ2dlFRdEtzNWFWZm9QYmZFNFRJY0JTQVRmQXRTZG1UU2ZxUU5PSkx0cnNGVDZRcw?oc=5) · Community Impact
- 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
- 2026-01-03 [Equity Bancshares completes merger with Frontier Holdings LLC - hayspost.com](https://news.google.com/rss/articles/CBMicEFVX3lxTFAtVU9VQUt4YXJjUFJmdlZNdno4VmhzclhzaTZZWTRDM1pwMlozcklJYzJCVERGZDVYQW1aZDhoUEI4cEV4XzdSS2FCRXhWRllSekd5Tl9nZnE3cmRzdkVFZkJ0THFnYk5jbHBhWkdQaVE?oc=5) · hayspost.com
- 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
- 2026-01-05 [Equity Bank completes merger with Omaha-based Frontier Bank as assets near $8B - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxQUC1kSXFiQmpCRDVCWUs0WUFfd2ExQ3lBS1hhbGdWNGNyN0N5R244cm41NjVFZnNISWpBeVVhVEJRTElxazAwUlNrZU5IOE1LTlZmblNYeFc3RnpFOEtWVk1ScUMweWcyank4OWhiOVVYYmN6ZDg0elpHeDZzNm5kU2t1dmZ6emhnNmduaFdBdUxxOThXa2FfNjRZWW5JdjZsa1RR?oc=5) · The Business Journals
- 2026-01-08 [New Frontier Bank offices in Bastrop to serve Central Texas community - Community Impact](https://news.google.com/rss/articles/CBMixgFBVV95cUxQRVVCZ2w5MWZlZGRwSjVkZzF1Yjh2Qi0wLTdzOXhfTlA1M1dMYlVTeS1qLXc5ZXNJVlBwc0hKUzNldGFPQmJsTktSbmJzZERqTno2NlQ2QkVib29mNm1oazR2cjNnY2N4U0d5WThqSG82eWNZOTdYdHpyejhTSGltWTlNdGVxYjlwSU43RUV5eHVINzI5aE1YMmEtUGg2eGh3MkpvSGFxZk5WczJpUXlsU2FzSFIxZVR2RUNHWjI1Q2dDZDdWbVE?oc=5) · Community Impact
- 2025-09-02 [Equity Bancshares, Inc. Enters Nebraska, Acquires Frontier Holdings, LLC - Business Wire](https://news.google.com/rss/articles/CBMixAFBVV95cUxPekpXamU3S2ZVcmwtakNMVzNOYm02TWx3TUZyWW1Yei10Sjc0TW4tZkV0dEdQVGIxWlYzR3dtekNtWnFUdjFjeUdDaV9mb1FOc3RxRHV6VU5JRnRHZzE0VzVRckVsaHgxNGVPakZ3NlRLdEhocXo0V1RaYVRlZjN1RWlHQUptRXNkMWRPRWkwVTBaZ3JKM3ZvNTc4YktxUV9BUUtzRXZlRU91TlIxa29SN21FUUE5ZHlNdF9majU4N2d2MFpn?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15545 (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/57.json (key "15545", 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