Frontier State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 56.63 percentage points lower than in Q1 2026, at 125.52%. Frontier State Bank ranks 67th of 169 Oklahoma banks on return on assets, in the upper half at 1.63% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Frontier State Bank sits 0.37 points higher, at 1.63% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.54% |
| Equity capital to assets | 11.09% |
| Tangible equity to tangible assets | 11.09% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.06% |
| Non-performing assets ratio | 0.84% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 31.43% |
| Allowance for credit losses to loans | 1.33% |
| Reserve coverage of non-performing loans | 125.52% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.63% |
| Return on equity | 14.49% |
| Net interest margin | 3.33% |
| Efficiency ratio | 49.21% |
| Yield on earning assets | 6.31% |
| Cost of funds | 3.31% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.40% |
| Core deposits to total deposits | 71.72% |
| Brokered deposits to total deposits | 4.37% |
| Deposits to assets | 75.17% |
| Securities to assets | 11.55% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.10% | 14.10% | 15.33% | 12.98% | 1.70% |
| Q4 2023 | 13.12% | 13.12% | 14.28% | 12.79% | 1.58% |
| Q1 2024 | 13.40% | 13.40% | 14.59% | 12.28% | 1.32% |
| Q2 2024 | 13.30% | 13.30% | 14.50% | 12.24% | 1.38% |
| Q3 2024 | 13.55% | 13.55% | 14.79% | 12.54% | 1.62% |
| Q4 2024 | — | — | — | 12.51% | 1.64% |
| Q1 2025 | — | — | — | 12.34% | 1.68% |
| Q2 2025 | — | — | — | 11.77% | 1.72% |
| Q3 2025 | — | — | — | 11.99% | 2.02% |
| Q4 2025 | — | — | — | 11.96% | 1.90% |
| Q1 2026 | — | — | — | 11.69% | 1.63% |
| Q2 2026 | — | — | — | 11.54% | 1.63% |
Frontier State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Frontier State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)