New Frontier Bank

1771 Zumbehl Road
Saint Charles, MO 63303
(636) 940-8740
www.newfb.com

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New Frontier Bank is headquartered in Saint Charles and is the 156^th largest bank in the state of Missouri. It is also the 4,068^th largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 37 employees at 3 locations. New Frontier Bank has a 2-star health rating.

4.26% 12-Month CD at New Frontier Bank in Colorado - 11/20/2008

Update 4/10/09: The bank has been closed by regulators. Please refer to this post for more details.New Frontier Bank is offering a 12-month speical CD with a yield of 4.26% APY. The minimum deposit is $1,000, and the maximum deposit is $95,000. This rate...

4.85% 24-Month CD at New Frontier Bank in Colorado - 9/22/2008

Update 4/10/09: The bank has been closed by regulators. Please refer to this post for more details.New Frontier Bank is listing a very competitive special 2-year CD. The yield is 4.85% APY with a minimum deposit of $1,000, and a maximum deposit of...

4.00% 9-Month CD at a Colorado Bank (New Frontier). - 6/26/2008

Update 4/10/09: The bank has been closed by regulators. Please refer to this post for more details.Update 7/12/08: The CD special has ended. Please check the bank's website for the latest rates and specials.New Frontier Bank has a new CD special with a...

4.30% 18-Month CD at a Colorado Bank (New Frontier). - 5/19/2008

Update 4/10/09: The bank has been closed by regulators. Please refer to this post for more details.Update 6/14/08: The CD special has changed. Please see the bank's website for the latest rates and specials.New Frontier Bank has a new CD special with a...

2008

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New Frontier Bank Money Market Rates

Apy	Min	Max	Product
0.40%	$100k	-	Team Money Market Account
0.40%	$100k	-	Business Plus Money Market Account

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

NEW FRONTIER BANK
FDIC Certificate #	35597
BankRate Report	View
Year Established	2000
Employees	37
Primary Regulator	FDIC
Assets and Liabilities
Assets	$138.65 million
Loans	$90.07 million
Deposits	$125.20 million
Equity Capital	$12.60 million
Loan Loss Allowance	$5.25 million
Unbacked Noncurrent Loans	$12.34 million
Real Estate Owned	$6.96 million
Historic Data - March 2011
Assets	$136.78 million
Equity Capital	$14.88 million
Loan Loss Allowance	$2.82 million
Unbacked Noncurrent Loans	$5.18 million
Real Estate Owned	$7.44 million
Profit Margin - Quarterly
Net Interest Margin	3.81%
Return on Assets	-4%
Return on Equity	-41.2%
Interest Income	$1.36 million

Institution Health

Overall Score:

2 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 New Frontier Bank had $19.3 million in non-current loans and owned real-estate with $17.85 million in equity and loan loss allowances on hand to cover it. This gives New Frontier Bank a Texas Ratio of 108.10% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for New Frontier Bank increased slightly from 71.40% as of March 31, 2011 to 108.10% as of March 31, 2012, resulting in a negative change of 51.41%. This indicates that the balance sheet and financial strength for New Frontier Bank has declined slightly in recent periods.
Deposit Growth
In the past year, New Frontier Bank has increased its total deposits by $5.11 million, resulting in 4.26% 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 New Frontier Bank has shown is above average.
Capitalization
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. New Frontier Bank has $138.65 million in assets with $17.85 million in equity, resulting in a capitalization level of 12.88%, which is excellent.