Frontier Bank: how it compares with its peers
Against 33 CO banks with half to twice its assets, Frontier Bank's strongest measure in Q2 2026 is efficiency ratio (44.14% vs. a 65.59% peer median). Its weakest relative measure is net interest margin (3.78% vs. 4.27%).
| Measure | Frontier Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.12% | 1.23% | Top third Ahead of 82% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.78% | 4.27% | Bottom third Ahead of 27% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.14% | 65.59% | Top third Ahead of 97% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $7.6M | Middle third Ahead of 52% of peers |
| Loans to deposits Net loans and leases over total deposits. | 52.79% | 84.08% | Context |
What it means for lending operations
Its efficiency ratio of 44.14% is better than the 65.59% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bankers' Bank of the West Denver, CO · $434M
- The Dolores State Bank Dolores, CO · $456M
- Farmers State Bank of Calhan Calhan, CO · $416M
- Integrity Bank & Trust Monument, CO · $460M
- San Luis Valley Federal Bank Alamosa, CO · $390M
- First FarmBank Greeley, CO · $384M
Questions about Frontier Bank
How big is Frontier Bank?
Frontier Bank, established in 1934, is headquartered in Lamar, CO. It reported $436M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Frontier Bank's return on assets?
2.12% annualized in Q2 2026, against a 1.23% median for 33 CO banks with half to twice its assets, ahead of 82% of them.
What is Frontier Bank's efficiency ratio?
44.14% in Q2 2026: it spent about 44 cents in noninterest expense for each dollar of revenue. The peer median is 65.59%, and lower is better.
Is Frontier Bank growing its loans?
Net loans grew 8.2% over the year to Q2 2026, while deposits grew 5.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Colorado bank ranked.