Frontier State Bank
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Data as of · sourced from FFIEC call reports. How we update
Frontier State Bank is an FDIC-insured commercial bank headquartered in Oklahoma City, OK, established in 1975 (FDIC certificate 21978), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $608.6M, up 4.2% from Q2 2025, the 44th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.54% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 21978
- Headquarters
- Oklahoma City, OK
- Established
- 1975
- Total assets, Q2 2026
- $608.6M
- Assets vs Q2 2025
- +4.2%
- Tier 1 leverage ratio, Q2 2026
- 11.54%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 103001977
- Latest call report
- Q2 2026, FFIEC 051 · Frontier State Bank call report
- Asset rank in state
- 44th of 169 in Oklahoma
Problem loans are rising at Frontier State Bank. It reported $609 million in assets at June 30, 2026, up 4.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 4.81% of loans from 0.22% a year earlier. It pays an average of 3.31% on its deposits and borrowings, about double the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans worth 3.8 times its capital, about triple the median of 1.2 times for banks its size.
Delinquency has appeared in its $182 million non-owner-occupied commercial real estate book: 16.57% of those loans are past due or on nonaccrual, against almost none a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 3.9% and deposits fell 4.2%. Credit is the area to watch: it carries problem assets equal to 31.4% of the capital and reserves that would absorb them, 11.9 times the median of 2.6% for banks its size.
As of June 30, 2026, Frontier State Bank reported a return on assets of 1.63%, a nonperforming-loan ratio of 4.81% and a Texas ratio of 31.39%. The figures come from its call report filed with the FFIEC.
Frontier State Bank ranks as the 44th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.3% to $608.6M, loans rose 0.3% and deposits fell 7.7%. Non-owner-occupied commercial real estate loans made up 37.8% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 11.7%. Its one office in the FDIC Summary of Deposits is in Oklahoma City, OK. By the capital ratios in its Q2 2026 call report, Frontier State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 5100 S I 35 Service Rd, Oklahoma City, OK 73129
- County
- Oklahoma
- Metro Area
- Oklahoma City, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 14, 1975
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 43
- Domestic deposits
- $457.5M
- Allowance for credit losses
- $6.4M
- Net charge-offs (YTD)
- -$7K
- Average total assets
- $601.4M
- Average total loans
- $482.3M
- Average interest-bearing deposits
- $430.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 14, 1975
- FDIC Cert
- 21978
- Fed RSSD
- 632858
- Website
- www.frontier-ok.com →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Frontier State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Frontier State Bank's total assets moved between a low of $492.9M (Q3 2023) and a high of $608.6M (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
$608.6M total assets against $584.1M; $541.1M total liabilities against $518.6M.
$475.8M net loans and leases against $458.1M; $457.5M total deposits against $477.6M.
$70.3M securities against $68.3M; $39.9M cash and balances due against $37.2M.
$9.3M total interest income against $9.4M; $4.4M total interest expense against $4.7M.
$4.9M net interest income against $4.8M.
$84K total noninterest income against $86K; $2.4M total noninterest expense against $2.3M.
$75K provision for credit losses against $75K.
$2.4M net income against $2.5M.
1.63% return on assets against 1.72%; 3.33% net interest margin against 3.40%.
11.54% tier 1 leverage ratio against 11.77%.
Inside the full Frontier State 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Frontier State Bank rankings
Its closest position to the top of a national ranking is 53 of 3,640, for Texas Ratio; its furthest is 1,536 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.62% (Q3 2024) to 2.02% (Q3 2025) and its net interest margin ran from 3.26% (Q3 2024) to 3.67% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.54% | 1.63% | 4.81% | 31.39% | 3.33% |
| Q1 2026 | 11.69% | 1.63% | 1.12% | 7.30% | 3.31% |
| Q4 2025 | 11.96% | 1.90% | 0.19% | 1.19% | 3.55% |
| Q3 2025 | 11.99% | 2.02% | 0.39% | 2.42% | 3.67% |
| Q2 2025 | 11.77% | 1.72% | 0.22% | 1.44% | 3.40% |
| Q1 2025 | 12.34% | 1.68% | 0.12% | 0.76% | 3.37% |
| Q4 2024 | 12.51% | 1.64% | 0.00% | 0.00% | 3.32% |
| Q3 2024 | 12.54% | 1.62% | 0.12% | 0.73% | 3.26% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Frontier State Bank (main office) | Oklahoma City , OK | 73129 | $457.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in OK, rank 52 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 State Bank
What are Frontier State Bank's total assets?
As of the Q2 2026 filing, Frontier State Bank reported total assets of $608.6 million in its FFIEC call report.
Where is Frontier State Bank headquartered?
It is headquartered in Oklahoma City, OK, United States.
When was Frontier State Bank founded?
It was established in 1975, per the FDIC institution directory.
Is Frontier State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #21978). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Frontier State Bank?
Frontier State Bank's primary federal regulator is the FDIC.
How many branches does Frontier State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Frontier State Bank's Texas Ratio?
Its Texas Ratio is 31.39% 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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