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
Unfavorable gap of $9.3M · efficiency ratio beats 92% of banks under $1B in assets in the Oklahoma City, OK area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.25% | 0.60% | 0.90% | 1.27% | Beats 68% | 8 / 25 | |
| Return on Equity | 11.29% | 6.92% | 9.16% | 13.29% | Beats 64% | 9 / 25 | |
| Net Interest Margin | 3.21% | 3.56% | 3.82% | 4.10% | Beats 4% | 24 / 25 | |
| Efficiency Ratio | 48.87% | 56.35% | 63.12% | 79.22% | Beats 92% | 3 / 25 | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.81% | 0.33% | 0.76% | 2.35% | Beats 20% | 21 / 25 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 60% | 11 / 25 | |
| Capital |
| Tier 1 Capital Ratio | 11.54% | 10.27% | 12.02% | 13.99% | Beats 44% | 14 / 25 | |
| Total Risk-Based Capital Ratio | 11.54% | 10.27% | 12.44% | 15.25% | Beats 36% | 16 / 25 | |
| Equity / Assets | 11.09% | 8.64% | 10.07% | 11.05% | Beats 76% | 6 / 25 | |
| Liquidity & Funding |
| Loans / Deposits | 105.40% | 70.71% | 82.03% | 97.03% | 88th pctl | 3 / 25 | |
| Loans / Assets | 79.23% | 62.67% | 74.54% | 84.24% | 64th pctl | 9 / 25 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |