Frontier State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 8.41 percentage points higher than in Q1 2026, at 105.40%. Among 169 Oklahoma banks, Frontier State Bank sits 6th from the top on loan-to-deposit ratio, 105.40% as of Q2 2026. Frontier State Bank reported 105.40% on loan-to-deposit ratio for Q2 2026, 24.56 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $482.2M |
| Net loans and leases | $475.8M |
| Loans held for sale | $0 |
| Loans to total assets | 79.23% |
| Loan-to-deposit ratio | 105.40% |
| Net loans to equity capital | 7.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.33% |
| Multifamily (5+ residential) | 10.39% |
| Commercial and industrial | 8.64% |
| Consumer | 0.35% |
| Credit cards | 0.00% |
| Farm | 0.20% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.21% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 380.36% |
| Construction concentration (Tier 1 capital + allowance) | 73.60% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.70% |
| Interest income on loans | $8.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $385.8M | $432.3M | 45.32% | 14.62% | 0.55% |
| Q4 2023 | $419.8M | $454.2M | 48.21% | 15.96% | 0.58% |
| Q1 2024 | $424.5M | $485.1M | 48.56% | 16.06% | 0.52% |
| Q2 2024 | $427.9M | $449.1M | 43.87% | 16.57% | 0.61% |
| Q3 2024 | $426.5M | $470.0M | 47.07% | 16.01% | 0.58% |
| Q4 2024 | $430.1M | $455.2M | 46.70% | 13.55% | 0.52% |
| Q1 2025 | $449.9M | $469.7M | 44.13% | 7.55% | 0.45% |
| Q2 2025 | $464.1M | $477.6M | 42.86% | 8.59% | 0.43% |
| Q3 2025 | $458.4M | $466.8M | 41.52% | 8.68% | 0.42% |
| Q4 2025 | $464.3M | $466.1M | 41.62% | 8.91% | 0.36% |
| Q1 2026 | $480.9M | $495.9M | 44.00% | 8.69% | 0.32% |
| Q2 2026 | $482.2M | $457.5M | 45.33% | 8.64% | 0.35% |
Frontier State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Frontier State Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Frontier State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21978) · FFIEC NIC profile (RSSD 632858)