Frontier State Bank
Oklahoma City, OK
IDRSSD: 632858
Total Assets
$580.15M
Latest filing
Total Deposits
$466.85M
Latest filing
Net Interest Margin
3.67%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Frontier State Bank
5100 S I 35 Service Rd
Oklahoma City, OK 73129
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/14/1975FDIC Certificate 15237
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Frontier State Bank (Main) | 5100 S I 35 Service Rd | Oklahoma City, OK | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/14/1975 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 73129 |
| State and County Number | 40109 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Oklahoma City, OK |
Operational Info
| Number of Employees | 41 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 04/14/1975 |
| Primary Insurance Agency | DIF |
| Website | www.frontier-ok.com |
| Data Updated | 11/14/2025 |
| CERT | 21978 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $580.15M |
| Total Deposits | $466.85M |
| Total Liabilities | $512.82M |
| Total Equity Capital | $67.33M |
| Net Income | $2.89M |
| Net Loans and Leases | $452.31M |
| Assets Per Employee ($Millions) | $13.49M |
| Bank Premises and Fixed Assets | $14.94M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $466.85M |
Key Performance Ratios
| Return on Assets (ROA) | 1.99% |
| Return on Equity (ROE) | 17.41% |
| Net Interest Margin | 3.67% |
| Efficiency Ratio | 43.61% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.605% |
| Earning Assets to total Assets | 96.11% |
Income and Expense
| Total Interest Income | $9.74M |
| Total Noninterest Income | $87.00k |
| Total Interest Expense | $4.60M |
| Total Noninterest Expense | $2.28M |
| Net Interest Income | $5.14M |
| Pre-tax Net Operating Income | $2.87M |
| Provision for Credit Losses | $75.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $44.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.97M |
| Total Liabilities and Capital | $580.15M |
Securities
| Securities | $69.45M |
| Available-for-sale debt securities | $67.22M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Frontier State Bank?
$580.15M as of the latest filing.
How much are Frontier State Bank's total deposits?
$466.85M in total deposits.
Where is Frontier State Bank located?
Oklahoma City, OK.
What is the Net Interest Margin?
3.67%.
How many domestic offices does it operate?
1.
When was it established?
04/14/1975.
What is the Return on Assets (ROA)?
1.99%.
How much are total loans and leases?
$452.31M (latest filing).
What is the total interest income (latest filing)?
$9.74M.