# FRONTENAC BANK
EARTH CITY, MO · FDIC certificate 34986 · asset band <$300M · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $268.4M | |
| Deposits | $223.7M | |
| Loans and leases | $192.0M | |
| Total equity | $32.7M | |
| Loans / deposits | 84.51% (p68 of band) | 74.58% |
| Liquid assets / assets | 19.70% (p23 of band) | |
| Uninsured deposits / deposits | 10.80% (p35 of band) | 14.02% |
| Brokered deposits | 1.43% | |
| Wholesale funding | 5.49% (p68 of band) | |
| FHLB advances / assets | 4.02% | |
| Tier 1 leverage | 10.44% (p44 of band) | 10.79% |
| Unrealized securities loss / equity | 1.13% (p37 of band) | 2.02% |
| AOCI / equity | 1.31% (p57 of band) | |
| ROA (annualized) | -0.15% (p5 of band) | 0.86% |
| Net interest margin | 2.92% (p15 of band) | 3.65% |
| Efficiency ratio | 122.51% (p98 of band) | |
| Noncurrent loans | 1.79% (p78 of band) | 0.67% |
| Net charge-offs (annualized) | 0.70% (p97 of band) | |
| Reserve coverage of noncurrent | 85.28% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 25.84% (p63 of band) | |
| Auto loans | $42,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.1% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  | expense ratio p90 |
| 2011-09 | 6 | leverage <7%, expense ratio p90, noncurrent p90 |  |
| 2011-12 | 4 |  | leverage <7%, noncurrent p90 |
| 2012-03 | 5 | deposits shrinking, assets shrinking | losing money |
| 2012-06 | 4 | charge-offs p90 | construction >100% equity, expense ratio p90 |
| 2012-09 | 5 | noncurrent p90 |  |
| 2012-12 | 3 | expense ratio p90 | reserve under noncurrent, deposits shrinking, noncurrent p90 |
| 2013-03 | 1 |  | charge-offs p90, expense ratio p90 |
| 2013-06 | 3 | reserve under noncurrent, deposits shrinking |  |
| 2013-09 | 4 | noncurrent p90 |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 4 | losing money, expense ratio p90 | assets shrinking, deposits shrinking |
| 2014-06 | 4 |  |  |
| 2014-09 | 1 | charge-offs p90 | reserve under noncurrent, noncurrent p90, losing money, expense ratio p90 |
| 2014-12 | 0 |  | charge-offs p90 |
| 2015-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2015-06 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | charge-offs p90 |  |
| 2016-03 | 2 | reserve under noncurrent |  |
| 2016-06 | 5 | losing money, expense ratio p90, deposits shrinking |  |

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

- 2021-03-11 [Royal Banks of Missouri buys Saints Avenue Bank, extending its rural reach - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPRDFwdHplTFZMemFmVjBJVnNrUE1UYWtYbGRPWk5zUGkycVhzcUZ2LW9HWWlBVC1BZXJiUUI0dzBrVFpjb0doOFhzX1N3VDhaVmI5dHk5QUpiRi1seENSOFhUT21oTTByc2hXLTRXQjdxWlFTUlJDNGpnYy00Tk5Sa3AzUDZ2b05jNG5CemRheFlqOXV1a041T0pwR2hiVlpzU3A1OFRxZFlMdw?oc=5) · The Business Journals
- 2015-11-13 [Royal Banks merges with Frontenac Bank - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxPVldvZlNKTXdENHgyMmJ4WkpuQTBReUpoUmFkakhNcHlYODhHY1hxOHhMNFh6Q1BSSGwzRXNvU2xEcWhFX2RXTnExd2ZaY19IQktqVklMSmpaY0ZCV24wRGpTNkNueVQzT2pWekM4YURXX2Q1YzZYNUZjckgtUFZuTV9ud25pRzlKZm9NY0NLbkhGVGFyTHlFOHBiNA?oc=5) · The Business Journals
- 2019-02-14 [Business in Focus - Ladue News](https://news.google.com/rss/articles/CBMirwFBVV95cUxPdUtPWWZRc2p4ZExCSEJPY0psVUczUmstU0tSd2FiTi1QZG9hdXhiTTRBeDlmRWU1T0dwdEtiaVZGM3loMERST2NkZk1TTmpDQ293MzloRThRQ3NUREdUbG9Zb1p2enpCMXNNM1lzREhZNjN0R1NuLV85STU4bXVSM1llUUhQTDhINUZWMGtRZ1ltY2ZiLVk4SFA0VFVKYUo4dzdudHZxdkRRTnlzbTBV?oc=5) · Ladue News
- 2011-03-12 [Starting from square one - Columbia Daily Tribune](https://news.google.com/rss/articles/CBMimwFBVV95cUxQY0RHSmd6SDk5d2N0SXdxVW1pSDVmdFVzcHJTRUJ6dFE1anluZW1IdThNZER2WFVHOXJQWTVpN0loRHNQUTFyUncwb21BU3lIbkhlMDdnYk9rdG1rUmxUY29iMTg4NG5zdktkVkNHVWRocmx1bkxpcWNHV211NHFoV08xdlkybUoxMVoyNG9MTmI3WmJxWDZnOW1mYw?oc=5) · Columbia Daily Tribune
- 2012-06-01 [Event to Celebrate Life of Cameron Vennard - Patch](https://news.google.com/rss/articles/CBMihAFBVV95cUxNR1phdXR2NG5Ed0tycXlGMkVxR0Q5ci01ZU1wTGJlempoRjg1eHFwemRMNDZwR2lSdnBsQ25zbzc2bEd0R1ZyMmd6Q3gtVlcxYk9Ob3I0UjJ4alJuYU1OMzE5Mmwxc0lhazk2czMxTkpBYXFLTGJHbnNJR0VlQk5wTFhtMy0?oc=5) · Patch
- 2021-03-15 [How a change in strategy led to Royal Banks' purchase of Saints Avenue Bank, and what it means going forward - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNUVRta3BzZXBpSm5yTFZXR0dQekVQa1BNcUJrRTBhYW43c2Nzc3B5bWRKSDZlYU5mVXVCSlVMelpFNWFtODdJNnEzQnBILWZZQXdCY1llWnVnTTdzVVAxRjJSZk1tZmVZck1QWFlicjZIZGlqRDJpZUlxejdQakh4a3d4YV8wS29OemtnYV9lN2JNMFpRRDd4WFhsLXI0Q0R1RnNmQTBQbUl1QQ?oc=5) · The Business Journals
- 2019-02-13 [Business in Focus - Ladue News](https://news.google.com/rss/articles/CBMirwFBVV95cUxPZkwyNHh2SG90R081Q0d3a3lTXzBVU3Q3dXI1RHFKLTlhelhwTUQwdVR1b2cwMlBLRmZVc2ZaNVVScjVqNnRtTUNUWHR5QUlkbExLSWF4el9CZTYxdU9pdEItbFJWRTNkSjVzXzFCTFJhYmFkc0dNdmtDRm42b3lwVHZKXzJBdVRZRjR4Q1lhamNhNmk0Y1RQSngwc2t2YkdhdlQ1dVhpazN0RU43dXI4?oc=5) · Ladue News
- 2020-01-28 [Another St. Louis bank president retires - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxQbTE0cDRNel96ZjVoNFN6MG1Pazh5ZDk4aHg0Q2gtZ0kxNWpWUWRlb2V4NUthdkZqeElxR0VvbFlfcE5mT0R4eXJGR2hfcWFoZU16ZXFjLTZTTzFyN1lwdWVOb1pHTkVWMlFNYzJVbXFwTHlsam9sYW4zNW15OUpEUDhsbXRIM203VllrRk03X283UjhLNkFESnhtRkQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34986 (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/42.json (key "34986", 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