Frontier Bank (FDIC certificate #14730) is based in Lamar, Colorado. Its Q2 2026 call report shows $436.4M in total assets and $388.9M in deposits and 8 offices.
Frontier Bank has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 2,650 banks with $100 million – $1 billion. Among 63 banks headquartered in Colorado, it ranks 15th. Earnings contributes the most (100/100, 2.12%); capital cushion contributes the least (58/100, 10.78%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 3 points (84 → 81), mostly because the loan quality component weakened by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 81 |
| Q4 2024 | 80 |
| Q1 2025 | 83 |
| Q2 2025 | 84 |
| Q3 2025 | 86 |
| Q4 2025 | 84 |
| Q1 2026 | 83 |
| Q2 2026 | 81 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.49% |
| Q3 2024 | 10.71% |
| Q4 2024 | 10.85% |
| Q1 2025 | 10.88% |
| Q2 2025 | 10.90% |
| Q3 2025 | 11.12% |
| Q4 2025 | 10.83% |
| Q1 2026 | 10.85% |
| Q2 2026 | 10.78% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.02% |
| Q3 2024 | 0.02% |
| Q4 2024 | 0.22% |
| Q1 2025 | 0.23% |
| Q2 2025 | 0.01% |
| Q3 2025 | 0.01% |
| Q4 2025 | 0.01% |
| Q1 2026 | 0.20% |
| Q2 2026 | 0.32% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.59% |
| Q3 2024 | 1.61% |
| Q4 2024 | 1.58% |
| Q1 2025 | 1.97% |
| Q2 2025 | 1.94% |
| Q3 2025 | 2.03% |
| Q4 2025 | 1.94% |
| Q1 2026 | 2.11% |
| Q2 2026 | 2.12% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 81 | $436.4M | 10.78% | 0.32% | 2.12% | 52.8% |
| Q1 2026 | 83 | $432.0M | 10.85% | 0.20% | 2.11% | 50.8% |
| Q4 2025 | 84 | $424.9M | 10.83% | 0.01% | 1.94% | 51.2% |
| Q3 2025 | 86 | $418.4M | 11.12% | 0.01% | 2.03% | 51.6% |
| Q2 2025 | 84 | $411.9M | 10.90% | 0.01% | 1.94% | 51.5% |
| Q1 2025 | 83 | $418.8M | 10.88% | 0.23% | 1.97% | 49.2% |
| Q4 2024 | 80 | $410.6M | 10.85% | 0.22% | 1.58% | 52.5% |
| Q3 2024 | 81 | $409.9M | 10.71% | 0.02% | 1.61% | 55.8% |
| Q2 2024 | 81 | $416.1M | 10.49% | 0.02% | 1.59% | 52.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Colorado
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bankers' Bank of the WestBank Denver, CO | 66 out of 100, Moderate | $433.6M | 14.4% | 1.03% | vs |
| The Dolores State BankBank Dolores, CO | 84 out of 100, Strong | $456.3M | 15.6% | 1.02% | vs |
| Farmers State Bank of CalhanBank Calhan, CO | 68 out of 100, Moderate | $416.4M | 9.2% | 0.41% | vs |
| Integrity Bank & TrustBank Monument, CO | 62 out of 100, Moderate | $459.6M | 9.1% | 0.54% | vs |
| San Luis Valley Federal BankBank Alamosa, CO | 87 out of 100, Very strong | $390.2M | 18.0% | 0.15% | vs |
| First FarmBankBank Greeley, CO | 72 out of 100, Strong | $384.4M | 12.3% | 0.88% | vs |
Deposit insurance
Is my money safe at Frontier Bank?
Yes. Frontier Bank is an FDIC-insured institution (FDIC certificate #14730). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 34.1% of deposits ($132.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.78%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.26% (benchmark: 10%).
8 locations
Branches
Frontier Bank lists 7 offices in 7 cities. Most locations:
- Alamosa, CO (1)
- Burlington, CO (1)
- Lamar, CO (1)
- Pueblo, CO (1)
- Pueblo West, CO (1)
- Springfield, CO (1)
- Walsh, CO (1)
Identity & history
Profile
- Legal name
- Frontier Bank
- Former names
- First National Bank in Lamar; Lamar National Bank
- Type
- State-chartered bank
- FDIC certificate #
- 14730
- RSSD ID
- 191355
- Primary regulator
- FDIC
- Holding company
- Whitcorp Financial Co
- Established
- August 25, 1934
- Headquarters
- 200 S Main St, Lamar, CO 81052
- Website
- www.frontierbankco.com
- Employees
- 56
Quick answers
Frontier Bank: common questions
Is Frontier Bank FDIC insured?
Yes. Frontier Bank is an FDIC-insured institution (FDIC certificate #14730). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Frontier Bank's TellerScore?
81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Frontier Bank ever failed?
There is no failure record for FDIC certificate #14730 in the FDIC failed bank list.
How many branches does Frontier Bank have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lamar
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| McClave State BankBank Mcclave, CO | 89 out of 100, Very strong | $78.9M | 14.0% | 0.00% | vs |
| Peoples Credit UnionCredit union Springfield, CO | 89 out of 100, Very strong | $75.0M | 19.4% | 0.16% | vs |
| GNBank, National AssociationBank Girard, KS | 80 out of 100, Strong | $1.1B | 11.6% | 0.13% | vs |
| Community State BankBank Lamar, CO | 78 out of 100, Strong | $208.1M | 12.5% | 0.90% | vs |
| The Colorado Bank and Trust Company of La JuntaBank La Junta, CO | 69 out of 100, Moderate | $330.3M | 10.3% | 0.30% | vs |
| Fellowship Credit UnionCredit union Lamar, CO | 66 out of 100, Moderate | $64.6M | 11.1% | 0.86% | vs |