Bank Comparison
Frontier State Bank vs Guardian 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 | Frontier State Bank | Guardian Bank |
|---|---|---|
| CET1 Ratio | — | 17.30% |
| Tier 1 Capital Ratio | — | 17.30% |
| Total Capital Ratio | — | 18.55% |
| Tier 1 Leverage Ratio | 11.69% | 11.24% |
| Equity / Assets | 11.27% | 8.69% |
Profitability
| Metric | Frontier State Bank | Guardian Bank |
|---|---|---|
| Return on Assets (ROA) | 1.63% | 1.55% |
| Return on Equity (ROE) | 14.16% | 18.31% |
| Net Interest Margin (NIM) | 3.31% | 3.32% |
| Yield on Earning Assets | 6.34% | 5.10% |
| Cost of Funds | 3.32% | 1.95% |
Asset quality
| Metric | Frontier State Bank | Guardian Bank |
|---|---|---|
| Texas Ratio | 7.37% | 10.52% |
| Non-Performing Loan Ratio | 0.71% | 1.52% |
| Non-Performing Asset Ratio | 0.57% | 1.01% |
| Net Charge-Off Ratio | -0.01% | 0.05% |
| ACL / Loans | 1.29% | 1.60% |
Balance sheet
| Metric | Frontier State Bank | Guardian Bank |
|---|---|---|
| Total Assets | $600,666K | $601,137K |
| Total Deposits | $495,871K | $534,627K |
| Total Loans | $480,931K | $356,228K |
| Total Equity | $67,668K | $52,216K |
| Net Income (quarter) | $2,405K | $2,356K |
Liquidity & funding
| Metric | Frontier State Bank | Guardian Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 96.99% | 66.63% |
| Core Deposit Ratio | 67.49% | 88.88% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Frontier State Bank | Guardian Bank |
|---|---|---|
| Headquarters City | OKLAHOMA CITY | VALDOSTA |
| Headquarters State | OK | GA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 5 |
| Employees (FTE) | 40 | 48 |
| Established | April 14, 1975, midnight | May 1, 2001, 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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