Bank Comparison
Cattlemens Bank vs Frontier State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Cattlemens Bank | Frontier State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.00% | 11.69% |
| Equity / Assets | 10.02% | 11.27% |
Profitability
| Metric | Cattlemens Bank | Frontier State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.16% | 1.63% |
| Return on Equity (ROE) | 12.22% | 14.16% |
| Net Interest Margin (NIM) | 4.05% | 3.31% |
| Yield on Earning Assets | 6.82% | 6.34% |
| Cost of Funds | 3.02% | 3.32% |
Asset quality
| Metric | Cattlemens Bank | Frontier State Bank |
|---|---|---|
| Texas Ratio | 4.04% | 7.37% |
| Non-Performing Loan Ratio | 0.07% | 0.71% |
| Non-Performing Asset Ratio | 0.08% | 0.57% |
| Net Charge-Off Ratio | -0.01% | -0.01% |
| ACL / Loans | 0.93% | 1.29% |
Balance sheet
| Metric | Cattlemens Bank | Frontier State Bank |
|---|---|---|
| Total Assets | $587,967K | $600,666K |
| Total Deposits | $455,615K | $495,871K |
| Total Loans | $513,213K | $480,931K |
| Total Equity | $58,916K | $67,668K |
| Net Income (quarter) | $1,713K | $2,405K |
Liquidity & funding
| Metric | Cattlemens Bank | Frontier State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 112.64% | 96.99% |
| Core Deposit Ratio | 88.23% | 67.49% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Cattlemens Bank | Frontier State Bank |
|---|---|---|
| Headquarters City | ALTUS | OKLAHOMA CITY |
| Headquarters State | OK | OK |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 7 | 1 |
| Employees (FTE) | 72 | 40 |
| Established | Jan. 1, 1910, midnight | April 14, 1975, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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