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Frontier Bank

IDRSSD: 33857
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q3QoQ -1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q3

Bank #33857 2025-Q3 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

Liquidity:Watch
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 116.4% (threshold 100%).
  2. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.78% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ 0

The five pillars

Liquidity

WatchQoQ 0
49
Sub-score

Liquidity is deteriorating: brokered 16.9%, loans/deposits 116.4%, cash 0.8% of assets.

Cash / Assets
0.78%
Loans / Deposits
116.35%
Brokered %
16.95%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 116.4% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.78% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.15%
No watch items at this period.

Capitalization

WatchQoQ 0
54
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.95%, CET1 9.95%, leverage 9.26%.

Tier 1 RBC
9.95%
CET1
9.95%
Leverage
9.26%
No watch items at this period.

Asset Quality

StrongQoQ -3
97
Sub-score

Asset quality is strong: Adjusted NPL 0.25%, Texas Ratio 2.2%, NCO YTD 0.03%.

Adjusted NPL
0.25%
Govt-guarantees stripped
Texas Ratio
2.2%
NCO YTD
0.03%
30-89 PD
0.77%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
87
Sub-score

Reserves are strong: ALLL 1.12% of loans, coverage 446.9%, true coverage 446.9%.

ALLL / Loans
1.12%
Coverage
446.9%
True Loss Coverage
446.9%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-15 03:49:54 UTC