BanksFRONTIER STATE BANK

FRONTIER STATE BANK

OKLAHOMA CITY, OKMediumEst. April 14, 1975, midnightFDIC #21978RSSD #632858FDIC
Latest · 2025-12-31

FRONTIER STATE BANK is an FDIC-insured commercial bank headquartered in OKLAHOMA CITY, OK, established in April 14, 1975, midnight. As of 2025-12-31, the bank reported total assets of $588M and total deposits of $466M. Profitability stands at 1.89% ROA and 16.31% ROE, with a net interest margin of 3.58%. CET1 capital ratio: 11.59%, well above regulatory minimums. NPL ratio: 0.09% · Texas Ratio: 0.55%. Operates 1 domestic branch.

Assets
$588M
Deposits
$466M
Loans
$464M
Equity
$68M

Profitability

Return on Assets (ROA)1.89%
Return on Equity (ROE)16.31%
Net Interest Margin3.58%
Yield on Assets6.75%
Cost of Funds3.48%

Asset Quality

NPL Ratio0.09%
Net Charge-Off Ratio0.00%
Texas Ratio0.55%
NPA Ratio0.07%
ACL / Loans1.32%

Capital & Liquidity

CET1 Ratio11.59%
Tier 1 Capital11.59%
Total Capital Ratio12.17%
Leverage Ratio11.96%
Loan-to-Deposit99.62%

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