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74175 El Paseo Drive
Palm Desert, CA 92260

Frontier Bank, FSB is headquartered in Palm Desert and is the 202nd largest bank in the state of California. It is also the 4,885th largest bank in the nation. It was established in 1998 and as of March of 2014, it had grown to 29 employees at 2 locations. Frontier Bank, FSB has a C- health rating.

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Frontier Bank, FSB has a relatively low asset base.

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, FSB had $4.54 million in non-current loans and owned real-estate with $6.58 million in equity and loan loss allowances on hand to cover it. This gives Frontier Bank, FSB a Texas Ratio of 69.07% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Frontier Bank, FSB decreased dramatically from 128.07% as of March 31, 2013 to 69.07% as of March 31, 2014, resulting in a positive change of 46.07%.This indicates that the balance sheet and financial strength for Frontier Bank, FSB has improved dramatically in recent periods.

Deposit Growth


In the past year, Frontier Bank, FSB has decreased its total deposits by -$90.12 million, resulting in -50.78% 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, FSB has shown is poor.



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, FSB has $93.57 million in assets with $6.58 million in equity, resulting in a capitalization level of 7.03%, which is below average.

Institution Statistics

FDIC Certificate #34738
Year Established1998
Primary RegulatorOCC
Assets and Liabilities
Assets$93.57 million
Loans$50.11 million
Deposits$87.36 million
Equity Capital$3.51 million
Loan Loss Allowance$3.07 million
Unbacked Noncurrent Loans$4.02 million
Real Estate Owned$523,000
Historic Data - March 2013
Assets$184.91 million
Equity Capital$4.45 million
Loan Loss Allowance$5.48 million
Unbacked Noncurrent Loans$4.02 million
Real Estate Owned$2.62 million
Profit Margin - Quarterly
Net Interest Margin3.52%
Return on Assets-3.34%
Return on Equity-81.02%
Interest Income$836,000

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Frontier Bank, FSB Locations
Washington Street Branch39580 Washington StPalm Desert, CA 92211
Monterey Avenue Branch40101 Monterey AvenueRancho Mirage, CA 92270
Frontier Bank, FSB74175 El Paseo DrivePalm Desert, CA 92260