Frontier Bank (Sioux Falls, SD)
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Data as of · sourced from FFIEC call reports. How we update
Frontier Bank is an FDIC-insured savings institution headquartered in Sioux Falls, SD, established in 1994 (FDIC certificate 33922), and it is supervised by the OCC. At Q2 2026 it reported total assets of $349.2M, up 0.7% from Q2 2025, the 27th largest of 56 banks headquartered in South Dakota. Its CET1 capital ratio was 11.28% at Q2 2026, above regulatory requirements.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 33922
- Headquarters
- Sioux Falls, SD
- Established
- 1994
- Total assets, Q2 2026
- $349.2M
- Assets vs Q2 2025
- +0.7%
- CET1 ratio, Q2 2026
- 11.28%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 091471651
- Latest call report
- Q2 2026, FFIEC 051 · Frontier Bank call report
- Holding company
- ROCK RIVERS BANCORP
- Asset rank in state
- 27th of 56 in South Dakota
Frontier Bank operates with a thinner capital cushion than most banks of its size. Based in Sioux Falls, South Dakota, it had $349 million in assets at June 30, 2026. It funds 8.76% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Earnings jumped: net income for the quarter was $516,000, 47% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $8.4 million equal 28% of Tier 1 capital, down from 42% a year earlier. Its margin is thin by comparison: it keeps 3.14 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Frontier Bank reported a CET1 capital ratio of 11.28%, a return on assets of 0.60%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 56 banks headquartered in South Dakota, Frontier Bank is the 27th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.3% to $349.2M, loans fell 0.1% and deposits rose 2.8%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 21.7% of total loans, followed by 1-4 family residential loans at 21.1%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities across 2 states; its Rock Rapids office books 66% of its branch deposits. By the capital ratios in its Q2 2026 call report, Frontier Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 S Phillips Ave, Sioux Falls, SD 57104
- County
- Minnehaha
- Metro Area
- Sioux Falls, SD-MN
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- —
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 24, 1994
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 47
- Domestic deposits
- $323.8M
- Allowance for credit losses
- $2.8M
- Net charge-offs (YTD)
- $16K
- Average total assets
- $346.2M
- Average total loans
- $245.0M
- Average interest-bearing deposits
- $287.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 24, 1994
- FDIC Cert
- 33922
- Fed RSSD
- 2218443
- Website
- www.frontierbank.com →
- Parent Holding Company
- ROCK RIVERS BANCORP (RSSD 1827914)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Frontier Bank's total assets moved between a low of $320.6M (Q3 2023) and a high of $349.2M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$349.2M total assets against $346.8M; $325.6M total liabilities against $326.1M.
$238.7M net loans and leases against $235.2M; $323.8M total deposits against $312.4M.
$91.7M securities against $97.3M; $8.7M cash and balances due against $5.0M.
$4.6M total interest income against $4.5M; $2.0M total interest expense against $2.2M.
$2.6M net interest income against $2.3M.
$347K total noninterest income against $314K; $2.3M total noninterest expense against $2.1M.
$100K provision for credit losses against $100K.
$516K net income against $352K.
0.60% return on assets against 0.41%; 3.14% net interest margin against 2.81%.
11.28% CET1 capital ratio against 10.82%; 8.76% tier 1 leverage ratio against 8.72%.
Inside the full Frontier Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Frontier Bank rankings
Its closest position to the top of a national ranking is 2,249 of 4,196, for total assets; its furthest is 3,448 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.25% (Q3 2024) to 0.67% (Q4 2025) and its net interest margin ran from 2.23% (Q3 2024) to 3.14% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.28% | 0.60% | 0.00% | 0.00% | 3.14% |
| Q1 2026 | 11.15% | 0.35% | 0.00% | 0.00% | 3.01% |
| Q4 2025 | 11.31% | 0.67% | 0.00% | 0.00% | 2.90% |
| Q3 2025 | 11.28% | 0.54% | 0.00% | 0.02% | 2.78% |
| Q2 2025 | 10.82% | 0.41% | 0.00% | 0.00% | 2.81% |
| Q1 2025 | 11.24% | 0.43% | 0.00% | 0.00% | 2.53% |
| Q4 2024 | 11.51% | 0.60% | 0.00% | 0.00% | 2.44% |
| Q3 2024 | 11.82% | 0.25% | 0.00% | 0.00% | 2.23% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Rock Rapids Branch | Rock Rapids , IA | 51246 | $214.2M |
| Sioux Falls Branch | Sioux Falls , SD | 57108 | $46.7M |
| Little Rock Branch | Little Rock , IA | 51243 | $22.0M |
| Frontier Bank (main office) | Sioux Falls , SD | 57104 | $22.0M |
| George Branch | George , IA | 51237 | $19.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1999 | Structure Change | Acquired First Bank and Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 25, 1994 | Structure Change | Acquired United Federal Savings Association of Iowa Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 4 against the institution (OCC, OCC (former OTS)); 1 against individuals associated with it
- July 18, 2011, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Frontier Bank
- July 18, 2011, OCC (former OTS): Amended Orders to Cease and Desist: Frontier Bank
- March 22, 2010, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Frontier Bank
- March 22, 2010, OCC (former OTS): Cease and Desist: Frontier Bank
- Period: Most recent institution action July 18, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in SD, rank 57 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 89 applications, 78 loans originated, $20.2M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $118K approved, $118K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Frontier Bank
What are Frontier Bank's total assets?
As of the Q2 2026 filing, Frontier Bank reported total assets of $349.2 million in its FFIEC call report.
Where is Frontier Bank headquartered?
It is headquartered in Sioux Falls, SD, United States.
When was Frontier Bank founded?
It was established in 1994, per the FDIC institution directory.
Is Frontier Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #33922). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Frontier Bank?
Frontier Bank's primary federal regulator is the OCC.
What is Frontier Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.28% in its Q2 2026 call report, above regulatory requirements.
How many branches does Frontier Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Frontier Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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