Frontier Bank
Sioux Falls, SD
IDRSSD: 2218443
Total Assets
$341.88M
Latest filing
Total Deposits
$311.39M
Latest filing
Net Interest Margin
2.91%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
2 routesView all→
073921420SIOUX FALLS, SD091471651SIOUX FALLS, SD
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Frontier Bank
101 S Phillips Ave
Sioux Falls, SD 57104
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/24/1994FDIC Certificate 54778
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Frontier Bank (Main) | 101 S Phillips Ave | Sioux Falls, SD |
| LITTLE ROCK BRANCH | 323 Main St | Little Rock, IA |
| SIOUX FALLS BRANCH | 3501 W 57th St | Sioux Falls, SD |
| GEORGE BRANCH | 210 E Dakota Ave | George, IA |
| ROCK RAPIDS BRANCH | 301 1st Ave | Rock Rapids, IA |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 06/24/1994 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 57104 |
| State and County Number | 46099 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 09 |
| Numeric code | 33 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Sioux Falls, SD |
Operational Info
| Number of Employees | 49 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 06/24/1994 |
| Primary Insurance Agency | DIF |
| Website | www.frontierbank.com |
| Data Updated | 01/30/2026 |
| CERT | 33922 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $341.88M |
| Total Deposits | $311.39M |
| Total Liabilities | $318.81M |
| Total Equity Capital | $23.06M |
| Net Income | $582.00k |
| Net Loans and Leases | $230.06M |
| Assets Per Employee ($Millions) | $7.27M |
| Bank Premises and Fixed Assets | $4.73M |
| Cash and Balances due from Depository Institutions | $4.64M |
| Deposits Held in Domestic Offices | $311.39M |
Key Performance Ratios
| Return on Assets (ROA) | 0.68% |
| Return on Equity (ROE) | 10.27% |
| Net Interest Margin | 2.91% |
| Efficiency Ratio | 76.54% |
| Tier 1 Risk-Based Capital Ratio | 11.31% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.746% |
| Earning Assets to total Assets | 96.66% |
Income and Expense
| Total Interest Income | $4.48M |
| Total Noninterest Income | $379.00k |
| Total Interest Expense | $2.08M |
| Total Noninterest Expense | $2.13M |
| Net Interest Income | $2.40M |
| Pre-tax Net Operating Income | $603.00k |
| Provision for Credit Losses | $50.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $6.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.42M |
| Total Liabilities and Capital | $341.88M |
Securities
| Securities | $97.18M |
| Available-for-sale debt securities | $59.81M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $37.37M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Frontier Bank?
$341.88M as of the latest filing.
How much are Frontier Bank's total deposits?
$311.39M in total deposits.
Where is Frontier Bank located?
Sioux Falls, SD.
What is the Net Interest Margin?
2.91%.
How many domestic offices does it operate?
5.
When was it established?
06/24/1994.
What is the Return on Assets (ROA)?
0.68%.
How much are total loans and leases?
$230.06M (latest filing).
What is the total interest income (latest filing)?
$4.48M.