Frontier Bank (FDIC #14730): Bank Stress & Real-Estate Credit Exposure

Frontier Bank (FDIC Cert #14730): bank stress 48/100, moderate, STABLE over 7 days; parent WHITCORP FINANCIAL CO.

Frontier Bank (#14730) lends in 5 counties across 1 state; Frontier Bank (#14730) reaches 38 ZIP codes: Colorado 5 counties, 38 ZIPs.

Frontier Bank (#14730) largest markets: Pueblo County, CO (30 branches, 15 ZIPs) (#14730), Baca County, CO (16 branches, 8 ZIPs) (#14730), Kit Carson County, CO (6 branches, 6 ZIPs) (#14730), Prowers County, CO (12 branches, 6 ZIPs) (#14730), Alamosa County, CO (5 branches, 5 ZIPs) (#14730).

Frontier Bank (#14730) reports $436.4 million in total assets; Frontier Bank (#14730) equity $43.7 million (10.0% of Frontier Bank (#14730) assets); Frontier Bank (#14730) domestic deposits $388.9 million; Frontier Bank (#14730) net income $4.6 million; Frontier Bank (#14730) return on assets 2.12%; Frontier Bank (#14730) return on equity 21.31%; Frontier Bank (#14730) net interest income $8.0 million; Frontier Bank (#14730) call report June 30, 2026.

Frontier Bank (#14730) noncurrent real-estate loans: none reported; Frontier Bank (#14730) net charge-offs on real estate 0.15%.

Frontier Bank (#14730) net interest margin 3.78% against an eight-quarter Frontier Bank (#14730) average of 3.36% (Frontier Bank (#14730) compression -0.42 points); Frontier Bank (#14730) rate-exposure score 40/100, Frontier Bank (#14730) fixed-rate trap 40/100; Frontier Bank (#14730) risk type credit driven; Frontier Bank (#14730) rate regime rates elevated, Frontier Bank (#14730) snapshot October 19, 2026.

Frontier Bank (#14730) stress score held at 48.1 across 117 daily snapshots, June 22, 2026 to October 20, 2026.

Frontier Bank (#14730) alerts: 5 counties; top Frontier Bank (#14730) alert scores: Pueblo County, CO 33 (low); Alamosa County, CO 26 (low); Burlington County, CO 19 (low); Lamar County, CO 19 (low); Walsh County, CO 19 (low).