# FRONTIER BANK
SIOUX FALLS, SD · FDIC certificate 33922 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (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 | $349.2M | |
| Deposits | $323.8M | |
| Loans and leases | $241.5M | |
| Total equity | $23.5M | |
| Loans / deposits | 73.71% (p32 of band) | 82.04% |
| Liquid assets / assets | 28.76% (p61 of band) | |
| Uninsured deposits / deposits | 14.41% (p12 of band) | 25.97% |
| Brokered deposits | 18.58% | |
| Wholesale funding | 18.58% (p92 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.76% (p9 of band) | 10.81% |
| Unrealized securities loss / equity | -35.94% (p9 of band) | -8.10% |
| AOCI / equity | 0.97% (p95 of band) | |
| ROA (annualized) | 0.47% (p11 of band) | 1.28% |
| Net interest margin | 3.07% (p11 of band) | 3.91% |
| Efficiency ratio | 78.77% (p88 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p54 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 75% | |
| Construction % of loans | 33.17% (p40 of band) | |
| Auto loans | $2.3M (0.96% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.6% | |
| Employees | 47 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | charge-offs p90 |  |
| 2012-06 | 2 |  | charge-offs p90 |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | reserve under noncurrent |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 3 | brokered >10%, capital falling |  |
| 2015-03 | 2 |  | capital falling |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 | reserve under noncurrent | brokered >10% |
| 2016-03 | 3 | brokered >10% |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 | uninsured deposits leaving | reserve under noncurrent |
| 2016-12 | 3 | reserve under noncurrent | uninsured deposits leaving |
| 2017-03 | 2 |  | reserve under noncurrent |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | capital falling |  |
| 2017-12 | 2 |  | capital falling |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | uninsured deposits leaving |  |
| 2019-03 | 2 |  | uninsured deposits leaving |
| 2019-06 | 2 | charge-offs p90 | wholesale funding >15% |
| 2019-09 | 2 | wholesale funding >15% | charge-offs p90 |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | brokered >10% |
| 2020-06 | 1 | brokered >10% | wholesale funding >15% |
| 2020-09 | 0 |  | brokered >10% |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 2 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 5 | brokered >10%, wholesale funding >15%, uninsured deposits leaving |  |
| 2023-12 | 5 | NIM <2.5% | uninsured deposits leaving |
| 2024-03 | 5 |  |  |
| 2024-06 | 4 |  | capital falling |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 5 | uninsured deposits leaving |  |
| 2025-06 | 4 | capital falling | NIM <2.5%, uninsured deposits leaving |
| 2025-09 | 3 |  | capital falling |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | capital falling |  |
| 2026-06 | 3 |  | capital falling |

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

- 2025-11-18 [Frontier Bank names new market president - SiouxFalls.Business](https://news.google.com/rss/articles/CBMieEFVX3lxTFAtTGpIQUV2NjRyX2xOdjRvN19pS09mV2wtWDY0Z2FXY0pPOVAzUUU3VDFvOU5vZC1IWUZVc2RLYWxlc0xJUVMxTVVIaUZHNThZSzNPQWk5NDJBcGpQbmo0MFAxT2tzM1lNWGhYUDJFNlBicm5BWTVHUQ?oc=5) · SiouxFalls.Business
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2019-06-06 [Movers & Shakers: Reliabank, Frontier Bank, AE2S, SDNA, Caliber Creative, Myers Billion, Security National Bank - Argus Leader](https://news.google.com/rss/articles/CBMisgFBVV95cUxOWWhqb2JyblVaUFNHMnl6RjF6SUlSR21xanFzVGdfb0tMcl9xQmpjQUU2bkJhMWkzaGt6UFZPRXNKTFRTNWRzbnB0MkJtTklsRXJsaUNCOHFlOGlnekdaZGVqdV9XcXpYT3BueE9la1NPeFJtbWNCZTBLeDUyQml0ZGpXelUwR3Jzc1NYbmhDY19QZ2t2T2l3UWdqQnFPUFNMcG0xanM2WWN4UWI5a0xoZ1RR?oc=5) · Argus Leader
- 2018-07-19 [Frontier Bank names new Sioux Falls president - SiouxFalls.Business](https://news.google.com/rss/articles/CBMif0FVX3lxTE1iNjZraldUZGdmVy1ySGxfWGtIZ1dWRkF5Z3lodHBBLVBZVjFTeFZiYThab09LclZSdEVvNUJKVDZNUzJRV0FxZFNZVzd0TUp3aDE4cGc1dFg4WjM2cllRbHJkUzdTZDRxRXZmX3llYkRsclNyU3NwZURIclRyd3M?oc=5) · SiouxFalls.Business
- 2019-05-30 [Movers & Shakers: Frontier Bank, L&S, Sioux Falls CVB, Helpline Center, Epicosity, Holmes Murphy - Argus Leader](https://news.google.com/rss/articles/CBMisgFBVV95cUxQeFZSS3RPVTBlR2FmVk5kWTc4VEVtcko0eFN0ZnBLQXZ4dURMSTBmSnRfQVFoUjNyVElVdTZobi15NklXX2RzNDNfQ1p1eldjdVpwS1d1eWtpbnlPaDliWXAzcDNQbGFoaFFtWEFZVEF1MlBfT29fXzd0MjR3ZEVjcFk3blQ3UzAxTktLRnJNV0dpUHRMWWE0cDF4LXBVWmVDYXpRa1pKTU9iVWhTUGdPZUVB?oc=5) · Argus Leader
- 2018-02-03 [Despite what everyone thinks, bank heists were almost nonexistent in the Wild West - The Vintage News](https://news.google.com/rss/articles/CBMicEFVX3lxTE1tY1Y4SjFfYjNHRTJKZjBlbUVscm9VaHB5NDNVbnA4aTJZSXpHOHVuek5TZHh2b3pfRmdHVWZqNzdyemF5Uk9HcnJmeDBnX1VrRU9TNDBWZWpGSWRtMG1tZ3hESjZtTzR3eG5McHZFdk0?oc=5) · The Vintage News
- 2025-02-25 [Movers & Shakers - SiouxFalls.Business](https://news.google.com/rss/articles/CBMiWkFVX3lxTE5sdy1fR2VXXzZGbzJZdUtQV3dkdTVkd2JQSzZHWXBXQi1lakhSbGtjMGNPTXZJLVM1Vjd0ZEo4MkN2bHlGX0tiT0FyR1BhUzVZdmlUVWw1OEs0Zw?oc=5) · SiouxFalls.Business
- 2026-06-18 [Are Sioux Falls banks, post offices open on Juneteenth? - Argus Leader](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQbzBrOTdUQlZhTExBVEcyS1NUeER6MUZwVndRZDJFX1V0OXU5eG1fSUtIYkpsRWNoWHM2X1lPRG9IQllubDlvOXluOF9YN3ZpQXZRRUduM014WFNaS2YyRzlheDAzaDRodmhuUjYzM0lYNlp2UUMzcUdUTkdZeHpKU3BraU10aTUyZFVUWWxwSC10bm9QdXZtOHgxS1ZrTHdodDZlNzJnNkRFZzBQSEpOYlZPbmtERktRMWxodHdNY2t3dzY3TVlzRVJTZDdyck82SzJIWTNmM1pqaERsRXdz?oc=5) · Argus Leader

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33922 (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/2.json (key "33922", 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