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Frontier State Bank
Oklahoma City, OK · FDIC Certificate #21978 · Chartered 04/1
Total assets
$608.63M
Total deposits
$457.50M
Total equity
$67.50M
Net loans
$475.80M
Branches (offices)
1
Net income (YTD)
$4.85M
Rank: #1,544 of 4,213 U.S. banks by assets · #44 of 168 in Oklahoma. Assets changed 4.2% and deposits -4.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.62% |
| Return on equity | 14.32% |
| Net interest margin (YTD) | 3.35% |
| Equity to assets | 11.09% |
| Tier 1 leverage ratio | 11.54% |
| Uninsured deposits (share of deposits) | 26.2% |
| Noncurrent loans (share of loans) | 4.81% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 104.0% |
| Real estate loans (share of loans) | 80.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $382.13M | 80.3% | |
| Commercial & industrial | $41.75M | 8.8% | |
| Consumer / individual | $1.69M | 0.4% | |
| Construction & development | $55.82M | 11.7% | |
| Agricultural | $1.67M | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $468.62M | $399.36M | $11.06M | $68.37M |
| Jun 2023 | $507.81M | $412.96M | $4.71M | $61.30M |
| Jun 2024 | $530.53M | $449.05M | $3.68M | $61.92M |
| Jun 2025 | $584.12M | $477.61M | $4.78M | $65.57M |
| Jun 2026 | $608.63M | $457.50M | $4.85M | $67.50M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $457.50M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $457.50M.
Similar-sized banks
Hearthside Bank Corporation ($608.94M) · Golden Valley Bank ($604.75M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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