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Frontier State Bank

Oklahoma City, OK · Cert 21978

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Oklahoma City, OK area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Oklahoma City, OK area (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

52

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

92

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Frontier State Bank

Oklahoma City, OK · Cert 21978

State charter, non-member · FDIC · 1 branch

Q2 2026

$608.6MAssets
$482.2MLoans
$457.5MDeposits
$67.5MEquity
Loan mix
90%RE $379.2M10%C&I $41.9M0%Consumer $1.5MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $407.9M11%Noninterest $49.6MQ2 2025Q2 2026

NIM

6.61%Q2 ’246.37%Q2 ’256.12%Q2 ’26+10%+0%

Non-interest income vs. expense

1.57%Q2 ’241.57%Q2 ’251.60%Q2 ’26+1%+2%

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.8% share · #23 of 71 inst. · $0.5B of $60.8B

Executive Summary

  • Earnings: ROA of 1.27%, down 7 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 4.81% of loans (+459 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.54%, down 22 bps from a year ago.
  • Funding: loans stand at 105.40% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.27%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.21%0 bps YoY

Efficiency Ratio (YTD, annualized)

48.87%+73 bps YoY

Tier 1 Leverage Ratio

11.54%-22 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.34%1.42%1.44%1.27%1.27%-7 bps
Return on Equity11.58%12.27%12.47%11.13%11.24%-34 bps
Net Interest Margin3.21%3.34%3.34%3.23%3.21%0 bps
Efficiency Ratio48.14%46.53%46.28%48.51%48.87%+73 bps
Non-Interest Burden1.52%1.52%1.51%1.54%1.54%+3 bps
Growth
Asset Growth (YoY)10.10%8.34%9.86%6.96%4.20%-590 bps
Loan Growth (YoY)8.46%7.48%7.95%6.90%3.91%-455 bps
Deposit Growth (YoY)6.36%-0.68%2.38%5.56%-4.21%-1,057 bps
Asset Quality
Nonperforming Loans / Loans0.22%0.39%0.19%1.12%4.81%+459 bps
Net Charge-Offs / Loans-0.01%-0.02%-0.01%-0.01%0.00%0 bps
Allowance / Loans1.29%1.33%1.32%1.29%1.33%+4 bps
Allowance Coverage of NPLs5.8x3.4x6.9x1.2x0.3x-5.5x
Capital
Tier 1 Leverage Ratio11.77%11.99%11.96%11.69%11.54%-22 bps
Total Risk-Based Capital11.77%11.99%11.96%11.69%11.54%-22 bps
Equity / Assets11.22%11.60%11.59%11.27%11.09%-13 bps
Liquidity & Funding
Loans / Deposits97.16%98.19%99.62%96.99%105.40%+824 bps
Liquid Assets / Assets5.98%6.17%6.74%5.89%6.22%+24 bps
CRE / Total Capitaln/a444%451%464%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Frontier State Bank

Oklahoma City, OK · Cert 21978 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25)

State charter, non-member · FDIC · 1 branch

Q2 2026

$608.6MAssets
$482.2MLoans
$457.5MDeposits
$67.5MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 92% of banks under $1B in assets in the Oklahoma City, OK area (rank 3 of 25).
  • Widest gap: net interest margin trails 96% of banks under $1B in assets in the Oklahoma City, OK area (rank 24 of 25).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.25%

Rank 8 of 25

Net Interest Margin

3.21%

Rank 24 of 25

Efficiency Ratio

48.87%

Rank 3 of 25

Equity / Assets

11.09%

Rank 6 of 25

Non-interest income vs. expense

$0.3M$9.6MINCOMEEXPENSE
Unfavorable gap of $9.3M · efficiency ratio beats 92% of banks under $1B in assets in the Oklahoma City, OK area
Bank 48.87%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.25%0.60%0.90%1.27%Beats 68%8 / 25
Return on Equity11.29%6.92%9.16%13.29%Beats 64%9 / 25
Net Interest Margin3.21%3.56%3.82%4.10%Beats 4%24 / 25
Efficiency Ratio48.87%56.35%63.12%79.22%Beats 92%3 / 25
Asset Quality
Nonperforming Loans / Loans4.81%0.33%0.76%2.35%Beats 20%21 / 25
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 60%11 / 25
Capital
Tier 1 Capital Ratio11.54%10.27%12.02%13.99%Beats 44%14 / 25
Total Risk-Based Capital Ratio11.54%10.27%12.44%15.25%Beats 36%16 / 25
Equity / Assets11.09%8.64%10.07%11.05%Beats 76%6 / 25
Liquidity & Funding
Loans / Deposits105.40%70.71%82.03%97.03%88th pctl3 / 25
Loans / Assets79.23%62.67%74.54%84.24%64th pctl9 / 25
Brokered Deposits / Depositsn/aNot reported for this institution