NEW FRONTIER BANK: how it compares with its peers
Against 93 MO banks with half to twice its assets, NEW FRONTIER BANK's strongest measure in Q2 2026 is assets per employee ($6.3M vs. a $6.1M peer median). Its weakest relative measure is return on assets (1.02% vs. 1.32%).
| Measure | NEW FRONTIER BANK | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.02% | 1.32% | Bottom third Ahead of 28% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.66% | 4.03% | Bottom third Ahead of 31% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.67% | 59.95% | Bottom third Ahead of 29% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $6.1M | Middle third Ahead of 52% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.96% | 79.07% | Context |
What it means for lending operations
Its efficiency ratio of 68.67% is above the 59.95% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- F&M Bank and Trust Company Hannibal, MO · $182M
- State Bank of Southwest Missouri Springfield, MO · $184M
- Citizens' Bank of Charleston Charleston, MO · $185M
- Northeast Missouri State Bank Kirksville, MO · $164M
- Commercial Trust Company of Fayette Fayette, MO · $164M
- Citizens Bank Butler, MO · $188M
Questions about NEW FRONTIER BANK
How big is NEW FRONTIER BANK?
NEW FRONTIER BANK, established in 2000, is headquartered in Saint Charles, MO. It reported $176M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is NEW FRONTIER BANK's return on assets?
1.02% annualized in Q2 2026, against a 1.32% median for 93 MO banks with half to twice its assets, ahead of 28% of them.
What is NEW FRONTIER BANK's efficiency ratio?
68.67% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 59.95%, and lower is better.
Is NEW FRONTIER BANK growing its loans?
Net loans grew 18.2% over the year to Q2 2026, while deposits grew 6.7%.
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 MO 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 Missouri bank ranked.