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Frontier State Bank

$100M-$1B Specialty: Commercial OK FDIC cert 21978

Oklahoma City, OK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
  • Deposits -4.2% year over year ($457.5M on the books).
  • Delinquency rate 4.88%.
  • Return on assets 1.62%.
  • Efficiency ratio 48.87% vs a 64.48% peer average.
  • Loan-to-deposit ratio 104.00% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK
View $100M-$1B leaderboard (OK) →

Frontier State Bank has 2 strengths but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.30% above tier average
  • + Efficiency Ratio 15.60% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 30.3% in tier
  • - Capital Constraint: Bottom 61.7% in tier
  • - Delinquency Rate 3.96% above tier average
  • - Nonperforming Asset Ratio 3.14% above tier average
  • - Non-Interest Income / Assets 0.54% below tier average
  • - Net Interest Margin 0.64% below tier average
Get updates when Frontier State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $608.6M
+4.2% YoY +1.3% QoQ
+$222.1M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
81%
Total Loans ? $475.8M
+3.9% YoY +0.2% QoQ
+$217.5M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
Top 13.7% in tier
Total Deposits ? $457.5M
-4.2% YoY -7.7% QoQ
+$130.8M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
76%
Return on Assets ? 1.62%
-5.1% YoY +0.1% QoQ
+0.30% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
72%
Net Interest Margin ? 3.35%
-2.7% YoY +0.7% QoQ
-0.64% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
22%
Efficiency Ratio ? 48.87%
+1.5% YoY +0.7% QoQ
-15.60% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
Top 14.8% in tier
Delinquency Rate ? 4.88%
+329.2% QoQ
+3.96% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
Bottom 2.6% in tier
Loan-to-Deposit Ratio ? 104.00%
+8.4% YoY +8.6% QoQ
+26.05% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
Bottom 6.5% in tier
Non-Interest-Bearing Deposit Share ? 10.84%
+0.1% YoY +12.9% QoQ
-11.19% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
Bottom 12.3% in tier
Nonperforming Asset Ratio ? 3.81%
+324.5% QoQ
+3.14% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
Bottom 1.9% in tier
Tier 1 Capital Ratio ? 11.54%
-1.9% YoY -1.3% QoQ
-4.36% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
30%
Non-Interest Income / Assets ? 0.03%
-4.0% YoY +98.6% QoQ
-0.54% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
Bottom 2.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Noninterest-Bearing 10.8%
0.0pp YoY
+1.2pp QoQ
 -11.3pp 22.1% 23.9% 22.2% 12%
Brokered Deposits 4.4%
+0.2pp YoY
-6.4pp QoQ
 -3.5pp 7.9% 9.7% 8.5% 47%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 8.8%
+0.1pp YoY
-0.1pp QoQ
 -2.8pp 11.6% 15.7% 12.5% 45%
CRE 68.3%
+0.5pp YoY
+0.8pp QoQ
 +28.8pp 39.5% 42.0% 41.4% 92%
1-4 Family 11.8%
+1.8pp YoY
-0.4pp QoQ
 -20.8pp 32.6% 24.0% 31.3% 14%
Consumer 0.4%
-0.1pp YoY
0.0pp QoQ
 -3.8pp 4.1% 5.6% 5.0% 12%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.0% 19.7% n/a
Leverage Ratio 11.5%
-0.2pp YoY
-0.1pp QoQ
 -0.6pp 12.2% 11.7% 12.6% 58%
Total Capital Ratio n/a n/a 19.9% 18.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 43
+2 (+4.9%) YoY
+3 (+7.5%) QoQ
 -16 58 150 482 45%
Assets per Employee ($) $14.2M
-0.7% YoY
-5.7% QoQ
 +$6.6M $7.5M $6.5M $8.8M 96%
Branch Count 1
0 YoY
0 QoQ
 -4 4 8 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days 3.8%
+3.6pp YoY
+3.4pp QoQ
 +3.5pp 0.3% 0.9% 0.4% 99%
Nonaccrual 1.1%
+0.4pp QoQ
 +0.1pp 0.9% 1.5% 1.0% 73%
Allowance Coverage 0.28x
-95.2% YoY
-76.0% QoQ
 -23.88x 24.15x 61.99x 20.23x 3%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.2% 0.2% 22%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 14.3%
-0.4pp YoY
+0.2pp QoQ
 +2.1pp 12.2% 11.9% 11.6% 64%
Cost of Funds (YTD) 3.0%
-0.4pp YoY
0.0pp QoQ
 +1.3pp 1.7% 1.8% 1.7% 98%
Net Income ($, YTD) $4.9M
+1.5% YoY
— QoQ
 +$2.3M $2.6M $8.7M $40.4M 87%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Deposit Outflow

decline
#163 of 535 • Bottom 30.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Capital Constraint

risk
#67 of 107 • Bottom 61.7% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 104.00%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 11.54%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

364
Total Loans
size
Value: $475.80M
Peer Median: $258.35M
#364 of 2643 Top 13.7% in $100M-$1B
391
Efficiency Ratio
profitability
Value: 48.87%
Peer Median: 64.48%
#391 of 2643 Top 14.8% in $100M-$1B
503
Total Assets
size
Value: $608.63M
Peer Median: $386.57M
#503 of 2643 Top 19.0% in $100M-$1B
641
Total Deposits
size
Value: $457.50M
Peer Median: $326.73M
#641 of 2643 Top 24.2% in $100M-$1B

Top Weaknesses (6 metrics)

2594
Nonperforming Asset Ratio
credit_quality
Value: 3.81%
Peer Median: 0.67%
#2594 of 2643 Bottom 1.9% in $100M-$1B
2579
Non-Interest Income / Assets
revenue_mix
Value: 0.03%
Peer Median: 0.57%
#2579 of 2643 Bottom 2.5% in $100M-$1B
2566
Delinquency Rate
credit_quality
Value: 4.88%
Peer Median: 0.92%
#2566 of 2633 Bottom 2.6% in $100M-$1B
2473
Loan-to-Deposit Ratio
liquidity
Value: 104.00%
Peer Median: 77.95%
#2473 of 2643 Bottom 6.5% in $100M-$1B
2318
Non-Interest-Bearing Deposit Share
funding
Value: 10.84%
Peer Median: 22.03%
#2318 of 2643 Bottom 12.3% in $100M-$1B
2074
Net Interest Margin
profitability
Value: 3.35%
Peer Median: 3.99%
#2074 of 2643 Bottom 21.6% in $100M-$1B
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