Frontier State Bank
Asset quality shifted last quarter — NPLs rose to 0.71% from 0.09% in the prior period. Frontier State Bank is a locally rooted FDIC-insured community bank based in Oklahoma City, OK. On its most recent Q1 2026 call report, Frontier State reported $601M in total assets against $496M in deposits. The bank posts a strong 1.63% ROA and 14.16% ROE. Under the simplified Community Bank Leverage Ratio framework, leverage of 11.69% exceeds the 9% CBLR threshold. Credit metrics are in line with industry norms — 0.71% NPL ratio. The bank operates from a single office.
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
- Fed District
- 13
- Established
- April 14, 1975
- Branches
- 1 domestic
- Employees (FTE)
- 40
- FDIC Cert
- 21978
- Fed RSSD
- 632858
- Website
- www.frontier-ok.com →
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Frontier State Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Frontier State Bank
What are Frontier State Bank's total assets?
As of the Q1 2026 filing, Frontier State Bank reported total assets of $600.7 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Frontier State Bank headquartered?
Frontier State Bank is headquartered in OKLAHOMA CITY, OK, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Frontier State Bank founded?
Frontier State Bank was established in 1975, per the FDIC institution directory.
Is Frontier State Bank FDIC-insured?
Yes. Frontier State Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Frontier State Bank operate?
Frontier State Bank operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Frontier State Bank's Texas Ratio?
Frontier State Bank's Texas Ratio is 7.37% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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