Frontier State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Frontier State Bank of Oklahoma City, OK against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.63% | 1.34% | +0.29% | 70th above |
| ROAE | 14.49% | 13.32% | +1.17% | 63rd above |
| Net Interest Margin | 3.33% | 3.93% | -0.60% | 21st bottom |
| Efficiency Ratio | 49.21% | 61.14% | -11.93% | 82nd top |
| PPNR / Avg Assets | 1.68% | 1.68% | +0.00% | 56th above |
| Yield on Earning Assets | 6.31% | 5.67% | +0.64% | 81st top |
| Cost of Funds | 3.31% | 1.88% | +1.43% | 2nd bottom |
| Net Interest Spread | 2.71% | 3.32% | -0.61% | 21st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.06% | 0.94% | +0.12% | 27th below |
| NPA / Total Assets | 0.84% | 0.70% | +0.14% | 25th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.33% | 1.28% | +0.05% | 66th above |
| ACL / NPLs (Coverage) | 125.52% | 1547.04% | -1421.52% | 35th below |
| Texas Ratio | 31.43% | 7.32% | +24.11% | 3rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.54% | 12.14% | -0.60% | 58th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.09% | 11.36% | -0.27% | 61st above |
| TCE / Tangible Assets | 11.09% | 11.08% | +0.01% | 65th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 105.40% | 80.65% | +24.75% | 6th bottom |
| Core Deposit Ratio | 71.72% | 86.86% | -15.14% | 6th bottom |
| Wholesale Funding Ratio | 13.47% | 5.03% | +8.44% | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.20% | 6.84% | -2.64% | 48th below |
| Loan Growth (Y/Y) | 3.91% | 7.92% | -4.01% | 42nd below |
| Deposit Growth (Y/Y) | -4.21% | 6.29% | -10.50% | 8th bottom |
See Frontier State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Frontier State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Frontier State Bank profile, how to read a UBPR, or how this data updates.