BlastPoint's Banking Scorecard
Frontier State Bank
Oklahoma City, OK
Frontier State Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.35% above tier average
- + Efficiency Ratio 16.77% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 43.9% in tier
- - NIB Deposit Bleed: Bottom 59.6% in tier
- - Non-Interest Income / Assets 0.27% below tier average
- - Net Interest Margin 0.60% below tier average
- - Delinquency Rate 0.25% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$600.7M
+7.0% YoY
+2.1% QoQ
|
+$214.6M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
81% |
| Total Loans ? |
$474.7M
+6.9% YoY
+3.6% QoQ
|
+$219.0M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
Top 13.3% in tier |
| Total Deposits ? |
$495.9M
+5.6% YoY
+6.4% QoQ
|
+$167.9M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
79% |
| Return on Assets ? |
1.62%
-3.4% YoY
-11.6% QoQ
|
+0.35% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
73% |
| Net Interest Margin ? |
3.33%
-2.0% YoY
-6.2% QoQ
|
-0.60% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
23% |
| Efficiency Ratio ? |
48.51%
-0.5% YoY
+4.8% QoQ
|
-16.77% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
Top 13.3% in tier |
| Delinquency Rate ? |
1.14%
+835.8% YoY
+486.8% QoQ
|
+0.25% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
95.73%
+1.3% YoY
-2.6% QoQ
|
+19.10% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 14.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.60%
-18.0% YoY
-14.4% QoQ
|
-12.42% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 9.9% in tier |
| Nonperforming Asset Ratio ? |
0.90%
+835.5% YoY
+495.6% QoQ
|
+0.26% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
22% |
| Tier 1 Capital Ratio ? |
11.69%
-5.3% YoY
-2.2% QoQ
|
-4.14% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.01%
-4.2% YoY
-80.6% QoQ
|
-0.27% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 2.4% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.