The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (66 → 67).

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in South Dakota

Yes. Frontier Bank is an FDIC-insured institution (FDIC certificate #33922). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.4% of deposits ($46.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.76%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.32% (benchmark: 10%).

Check how much of your own balance is covered

Frontier Bank lists 5 offices in 4 cities across 2 states. Most locations:

• Sioux Falls, SD (2)
• George, IA (1)
• Little Rock, IA (1)
• Rock Rapids, IA (1)

All branch addresses and map

In 2025, Frontier Bank reported 87 home-loan applications under HMDA (LEI 549300S0KDM58LZT5C96): 78 originated ($20,170,000 total), 3 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Frontier Bank

Former names

Midwest Federal Savings Bank

Type

Savings bank

FDIC certificate #

33922

RSSD ID

2218443

Primary regulator

OCC

Holding company

Rock Rivers Bcorp

Established

June 24, 1994

Headquarters

101 S Phillips Ave, Sioux Falls, SD 57104

Website

www.frontierbank.com

Employees

47