# FRONTIER BANK
LAGRANGE, GA · FDIC certificate 16431 · asset band <$300M · latest filing 2012-12 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 14 (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 | $258.8M | |
| Deposits | $224.1M | |
| Loans and leases | $110.6M | |
| Total equity | $1.2M | |
| Loans / deposits | 47.35% (p17 of band) | 68.02% |
| Liquid assets / assets | 32.20% (p42 of band) | |
| Uninsured deposits / deposits | 5.75% (p32 of band) | 8.86% |
| Brokered deposits | 0.08% | |
| Wholesale funding | 12.47% (p90 of band) | |
| FHLB advances / assets | 12.39% | |
| Tier 1 leverage | 0.41% (p0 of band) | 10.05% |
| Unrealized securities loss / equity | 9.31% (p84 of band) | 3.01% |
| AOCI / equity | -15.27% (p0 of band) | |
| ROA (annualized) | -1.88% (p3 of band) | 0.76% |
| Net interest margin | 2.06% (p3 of band) | 3.75% |
| Efficiency ratio | 109.54% (p94 of band) | |
| Noncurrent loans | 20.39% (p100 of band) | 1.21% |
| Net charge-offs (annualized) | 2.42% (p99 of band) | |
| Reserve coverage of noncurrent | 19.94% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 1470.12% (p100 of band) | |
| Auto loans | $855,000 (0.77% of loans; DQ 3.39%, NCO 0.06%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -11.6% | |
| Employees | 98 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | leverage <7%, losing money, expense ratio p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 7 | noncurrent p90 |  |
| 2011-09 | 10 | leverage <5%, capital falling |  |
| 2011-12 | 10 |  |  |
| 2012-03 | 8 | NIM <2.5% | losing money, expense ratio p90, capital falling |
| 2012-06 | 10 | assets shrinking, uninsured deposits leaving |  |
| 2012-09 | 13 | capital falling, losing money, deposits shrinking |  |
| 2012-12 | 14 | expense ratio p90 |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-04-08 [Best Banks and Credit Unions in Texas 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPaHVBQTVTZmk3enlkTEFtTmNFVlFWMlpoMmJXcXZocEVHeXp1dmNJS1daUkpqVDROaXhqbnRhQXFSRmJfNXNmSkJhYW9UZDctTUl5bzVKQkpuWUpfNDg3TGRSajRaTFFYa2hpX1BUSFh6OGdibzFUX050UktoUmQtdTlqanY2NGM2cWNj?oc=5) · Newsweek Rankings
- 2019-11-18 [Longtime Frontier Bank employee receives Ahrenholtz award - The Norfolk Daily News](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOYmZDdmZUN01PclE1MjZMRG1nYXZySTJZbEwyaDN1Z2FYcnFXUjlkVTRUOW1KODdqQXZOdl85X2xsQ25adi1La3cxQllWOUdQaGxaYkhvemtMVkE5cVRHM1A4ajNhQ1hKRXBGNmYyQ2dqY050a2F1aTNoOUJMVG5ZRDA4aGtZMldNS3BXRHpLam9qU1pMMDNyTGdjNFVvckRZcEhITFRhWnpSY3RaUE1wVjVnbF9uTldvRlp1VEV5SWEzWXBWWFhtMXBzRXdVSmV3dDZhSGM5UHA?oc=5) · The Norfolk Daily News
- 2013-06-24 [Too Big to Jail? Not These Bankers - American Banker](https://news.google.com/rss/articles/CBMihwFBVV95cUxNbWpXaU5SM1JQYmppUFJZRnYtLXZCWTVxSmVZMmdONlI3akFZX0xiWkJlNzd5bWREeVJmTjc0VDlsZVdrblJKLWpwel9JNUJIMlpBaVpEU05qR2dpWE5ldTdXYUlubFUxNXFXUkhuS3VsLW9iRUxyMlVoSjdzUzRiNlJJdDhlcEE?oc=5) · American Banker
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2025-04-09 [America's Best Regional Banks and Credit Unions 2025 - Texas - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNcjBZanBlODQ3dWF6andRNFV2bi1qUU5UV3lGVXpKNU5iVFQ1S0dvbzRLQlJIQzJ4S3Rsa0pNMjJsbTBkNG1ZR1Y1S2JOOVVlckdsaTlCY1dsR0I3WDQyalF0VllMTm5WdFNxTGlmbkFyNHA3WlduNUl5elFrR2l0Z2JPb1ZuQmJnSkNR?oc=5) · Newsweek Rankings
- 2009-05-22 [34 US banks fail in 2009; BankUnited collapses - Rediff](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRFhZNVNTMDZPY0hWVnhHVmV5TFRCYzRMcVZnUnFKZkdiTkZ6R216c0I3QUU2WnFpSU5LMVlORktLN0lBWXZUc1NlSm1WMFppSzNUY1NicG41UlRlXzlURTRTYlBueVlzb2toNUhwbWc4S1NqdEJqV1FURkpVN1J5QmZWa0hvc0lTbF85TtIBjwFBVV95cUxQckFDWWtkbURPQ2UzZ3dBN3ZtUTBTdUtWdXpveEZJU0ZLWDFJeGxzbkxFMDRKbGItMTBkaTBMQVM5a2NJdjJ1MWxFa0JQUjlIY2g3MDAwYnpvQ2NVRklTejZMWGFCYkFLNnFmN1BnWXE0SFU1OG9MYmpWb2VraG00VGM2Z3U2cl9EV2VPNTZTWQ?oc=5) · Rediff
- 2024-09-27 [Kim Stuart Obituary (1961 - 2024) - Wahoo, NE - Wahoo Newspaper - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPQXk0MzJqM1k1LVo4YlZxUTdjR3hadlRpa3Y3TndlZVpPQ2d5Wk5JSzRkaFM2SkJTcEMxRC04QTN0RXZYVjloeG5DdjEySUpvTElMajN5QjV1WGlaamdrM2V5Uno3UEdZcmpKUTV1MEVTVjg1ckhnSXZuR254QnpjQ29vX2ZRN1I4OXZOelU3encyQQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16431 (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/47.json (key "16431", 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