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Overview / Commentary
200 South Main
Lamar, CO 81052

Frontier Bank (CO) is headquartered in Lamar and is the 26th largest bank in the state of Colorado. It is also the 2,361st largest bank in the nation. It was established in 1934 and as of March of 2014, it had grown to 61 employees at 8 locations. Frontier Bank (CO) has a A+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Frontier Bank (CO) had $623,000 in non-current loans and owned real-estate with $36.29 million in equity and loan loss allowances on hand to cover it. This gives Frontier Bank (CO) a Texas Ratio of 1.72% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Frontier Bank (CO) decreased dramatically from 5.85% as of March 31, 2013 to 1.72% as of March 31, 2014, resulting in a positive change of 70.63%.This indicates that the balance sheet and financial strength for Frontier Bank (CO) has improved dramatically in recent periods.

Deposit Growth


In the past year, Frontier Bank (CO) has increased its total deposits by $40.46 million, resulting in 20.27% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Frontier Bank (CO) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Frontier Bank (CO) has $273.92 million in assets with $36.29 million in equity, resulting in a capitalization level of 13.25%, which is excellent.

Institution Statistics

FDIC Certificate #14730
Year Established1934
Primary RegulatorFDIC
Assets and Liabilities
Assets$273.92 million
Loans$133.14 million
Deposits$239.99 million
Equity Capital$33.40 million
Loan Loss Allowance$2.89 million
Unbacked Noncurrent Loans$623,000
Real Estate Owned$0
Historic Data - March 2013
Assets$227.94 million
Equity Capital$28.20 million
Loan Loss Allowance$2.51 million
Unbacked Noncurrent Loans$623,000
Real Estate Owned$929,000
Profit Margin - Quarterly
Net Interest Margin3.61%
Return on Assets2.18%
Return on Equity18.25%
Interest Income$2.49 million

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Frontier Bank (CO) Locations
Burlington Branch107 South 14th StreetBurlington, CO 80807
Alamosa Branch1307 Main Street, Unit DAlamosa, CO 81101
Pueblo West Branch18 East Spaulding AvenuePueblo West, CO 81007
Frontier Bank200 South MainLamar, CO 81052
Motor Bank Branch400 South Main StreetLamar, CO 81052
Pueblo Branch4115 Outlook BlvdPueblo, CO 81008
Springfield Branch808 Main StreetSpringfield, CO 81073