# NEW FRONTIER BANK
SAINT CHARLES, MO · FDIC certificate 35597 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $175.7M | |
| Deposits | $158.9M | |
| Loans and leases | $134.6M | |
| Total equity | $16.0M | |
| Loans / deposits | 83.96% (p69 of band) | 73.59% |
| Liquid assets / assets | 17.25% (p16 of band) | |
| Uninsured deposits / deposits | 19.97% (p51 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.25% (p14 of band) | 11.76% |
| Unrealized securities loss / equity | -4.60% (p59 of band) | -6.57% |
| AOCI / equity | -0.31% (p53 of band) | |
| ROA (annualized) | 1.02% (p41 of band) | 1.17% |
| Net interest margin | 3.66% (p36 of band) | 3.93% |
| Efficiency ratio | 68.67% (p57 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | -0.02% (p7 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 86% | |
| Construction % of loans | 40.77% (p73 of band) | |
| Auto loans | $2.4M (1.77% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.7% | |
| Employees | 28 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | losing money |  |
| 2011-09 | 4 | capital falling, noncurrent p90 |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 6 | expense ratio p90, charge-offs p90 |  |
| 2012-06 | 7 | leverage <7% |  |
| 2012-09 | 8 | assets shrinking, uninsured deposits leaving | capital falling |
| 2012-12 | 9 | deposits shrinking |  |
| 2013-03 | 8 |  | charge-offs p90 |
| 2013-06 | 7 |  | losing money |
| 2013-09 | 8 | losing money |  |
| 2013-12 | 4 |  | reserve under noncurrent, noncurrent p90, leverage <7%, uninsured deposits leaving |
| 2014-03 | 2 |  | expense ratio p90, losing money |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 | uninsured deposits leaving | assets shrinking, deposits shrinking |
| 2015-03 | 1 | deposits shrinking | uninsured deposits leaving |
| 2015-06 | 3 | charge-offs p90, assets shrinking |  |
| 2015-09 | 1 | uninsured deposits leaving | deposits shrinking, charge-offs p90, assets shrinking |
| 2015-12 | 0 |  | uninsured deposits leaving |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | expense ratio p90 |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | losing money |  |
| 2017-03 | 3 | reserve under noncurrent, assets shrinking | losing money |
| 2017-06 | 5 | noncurrent p90, uninsured deposits leaving |  |
| 2017-09 | 4 | capital falling | assets shrinking, uninsured deposits leaving |
| 2017-12 | 4 | NIM <2.5% | expense ratio p90 |
| 2018-03 | 2 | deposits shrinking | noncurrent p90, capital falling, NIM <2.5% |
| 2018-06 | 4 | noncurrent p90, assets shrinking |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 2 | capital falling | deposits shrinking, noncurrent p90, assets shrinking |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 0 |  | reserve under noncurrent |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | construction >100% equity |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 0 |  | construction >100% equity |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | capital falling |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | capital falling |
| 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)

- 2011-08-05 [St. Charles County bank president reported missing - STLPR](https://news.google.com/rss/articles/CBMiigFBVV95cUxNaTUySURaMi05S2pJcXFrRkpTQndpUDFTVXR6SEFtWm9vdFQxVG5QNFJ3ZC1CazhtTTN6cE1LMzJBT3U0Q1E1TDZDelZsZzRjZjdfNnh3T2ZfLW1JeGVQbmJ1OUZ2bE9uVTFIU2oxR2xteXFscjkzemlaMldBMTRTTERCQTd4NGhidVE?oc=5) · STLPR
- 2023-10-03 ['No. 1 growth area': Bank seeks to capitalize on St. Louis' western boom with new branch - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNSTYzQTU2SkxUQi1MXzBjYmdxYklGNjFra1RtcVFUVHZ0RnBEeG8zQmw3dEYtWHBCek1XaUdBWUZ5Z3QwSlhQVk5LMnZUZ2xyNGtXV2FnWkc0YWJ0azFDTU4xNzM5TU9Uck5FY3VjRW1sNjlGaG9OcWR6cG4xbXZ1NFJBcFhGLThHMF9kY2ZfeldFLUFXbENOcVZPNk9NYVdEREhGWG9WREk?oc=5) · The Business Journals
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2022-05-24 [Joseph Crenshaw Obituary - Orange Park, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxNX0VyT0VxdlNCaTlicXdGeVNPZGFnemYybERfYkhJaThXWDJqc0ZqenkySmlmdjZSQ1ZXNDlpWG05YUxuN2VWV1hZUzRQbExvRmRzMFBLUlc4U3V4Z3dfU1ZOMXVsV3lKVURORzY2c0xDdGVyNlJyTHY4cFNjSTdiSE5TRGozODZKMmc?oc=5) · Dignity Memorial
- 2019-08-02 [Joan Miller Crenshaw Obituary Aug 2, 2019 - Baue Funeral Homes](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5KVUdWSEx5X2xUYmVHVzV2OVZESmJub2c0QUJyWV9vc2pucUFCaGdlWUhuQXhYTmVCSHloVF9kMmY4NVRCdUdvS1dRZEg1WlZCckJhTy1Ddi1yNXdCSEJ6UkNR?oc=5) · Baue Funeral Homes
- 2021-05-28 [Roy Westerfeld Obituary (2008) - St. Charles, MO - St. Louis Post-Dispatch - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPbXYyemhGRjBGMkdQWl9FSVEyX3FLZzBFSXVSUWktWkRtdFZmQlB1N3VLMkNuZEVXeGtSTExxS1R2Q2ZRSDVUcFpkLTFYeTNmS0xoUVNCWjBfQUx4dHA0Wmt0SkxfU3FFZUNiVlJCUlM2UnVhaVlDajJxZThlYVBzNFlrcmw1YXFGYzhHdE1R?oc=5) · legacy.com
- 2011-10-17 [Clayton Newell Obituary Oct 17, 2011 - Baue Funeral Homes](https://news.google.com/rss/articles/CBMiWkFVX3lxTE5kMHlGdk54dGdvbTl3OHlPUmlJMHROelJyVkFIYjVodU9MMl92ejBCMV8xcnZaRmstV25OY1JzLURIZ3N3QWg4T25PbW1aQ0dQMEZEXzNpeVRXZw?oc=5) · Baue Funeral Homes
- 2008-11-16 [Roy W. Westerfeld Obituary Nov 16, 2008 - Baue Funeral Homes](https://news.google.com/rss/articles/CBMiXEFVX3lxTE1RdmlpSWp2ZFkzSnM4SUtVUnItenQ5T2JNQ1BraGVQOHlMWENaQzRvZmcwcFhRVERLLWtwc0FNMlg5R1RhZnZ1el9jdkNrMDlpdE05OFlMUUFMQ3h2?oc=5) · Baue Funeral Homes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35597 (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/13.json (key "35597", 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