Frontier State Bank is a state-chartered bank headquartered in Oklahoma City, Oklahoma, in business for about 51 years. At the end of Q2 2026 it reported $608.6M in total assets and $457.5M in deposits, with 1 office.
Frontier State Bank has a TellerScore of 47 out of 100 (below average) based on Q2 2026 data — higher than only 5% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 151st. Earnings contributes the most (85/100, 1.62%); loan quality contributes the least (0/100, 4.81%).
TellerScore · Q2 2026
Scorecard
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.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 32 points (79 → 47), mostly because the loan quality component weakened by 93 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 81 |
| Q4 2024 | 82 |
| Q1 2025 | 81 |
| Q2 2025 | 79 |
| Q3 2025 | 79 |
| Q4 2025 | 80 |
| Q1 2026 | 68 |
| Q2 2026 | 47 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.24% |
| Q3 2024 | 12.54% |
| Q4 2024 | 12.51% |
| Q1 2025 | 12.34% |
| Q2 2025 | 11.77% |
| Q3 2025 | 11.99% |
| Q4 2025 | 11.96% |
| Q1 2026 | 11.69% |
| Q2 2026 | 11.54% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.12% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.12% |
| Q2 2025 | 0.22% |
| Q3 2025 | 0.39% |
| Q4 2025 | 0.19% |
| Q1 2026 | 1.12% |
| Q2 2026 | 4.81% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.37% |
| Q3 2024 | 1.45% |
| Q4 2024 | 1.50% |
| Q1 2025 | 1.68% |
| Q2 2025 | 1.71% |
| Q3 2025 | 1.81% |
| Q4 2025 | 1.83% |
| Q1 2026 | 1.62% |
| Q2 2026 | 1.62% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 47 | $608.6M | 11.54% | 4.81% | 1.62% | 104.0% |
| Q1 2026 | 68 | $600.7M | 11.69% | 1.12% | 1.62% | 95.7% |
| Q4 2025 | 80 | $588.4M | 11.96% | 0.19% | 1.83% | 98.3% |
| Q3 2025 | 79 | $580.1M | 11.99% | 0.39% | 1.81% | 96.9% |
| Q2 2025 | 79 | $584.1M | 11.77% | 0.22% | 1.71% | 95.9% |
| Q1 2025 | 81 | $561.6M | 12.34% | 0.12% | 1.68% | 94.5% |
| Q4 2024 | 82 | $535.5M | 12.51% | 0.00% | 1.50% | 93.2% |
| Q3 2024 | 81 | $535.5M | 12.54% | 0.12% | 1.45% | 89.5% |
| Q2 2024 | 80 | $530.5M | 12.24% | 0.00% | 1.37% | 94.0% |
2,650 peers · $100 million – $1 billion
How it compares with peers
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 Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| All America BankBank Oklahoma City, OK | 43 out of 100, Below average | $611.5M | 10.5% | 5.50% | vs |
| AVB BankBank Broken Arrow, OK | 66 out of 100, Moderate | $612.3M | 9.5% | 0.41% | vs |
| Wisdom Heritage BankBank Alva, OK | 78 out of 100, Strong | $601.3M | 14.2% | 1.28% | vs |
| Cattlemens BankBank Altus, OK | 68 out of 100, Moderate | $595.2M | 10.3% | 0.29% | vs |
| First National Bank & Trust Company of McAlesterBank Mcalester, OK | 71 out of 100, Strong | $580.4M | 10.9% | 1.34% | vs |
| First Bank of OwassoBank Owasso, OK | 93 out of 100, Very strong | $639.3M | 15.7% | 0.01% | vs |
Deposit insurance
Is my money safe at Frontier State Bank?
Yes. Frontier State Bank is an FDIC-insured institution (FDIC certificate #21978). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.2% of deposits ($119.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.54%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Frontier State Bank lists 1 office in 1 city. Most locations:
Identity & history
Profile
- Legal name
- Frontier State Bank
- Former names
- Southeast Plaza Bank
- Type
- State-chartered bank
- FDIC certificate #
- 21978
- RSSD ID
- 632858
- Primary regulator
- FDIC
- Established
- April 14, 1975
- Headquarters
- 5100 S I 35 Service Rd, Oklahoma City, OK 73129
- Website
- www.frontier-ok.com
- Employees
- 43
Quick answers
Frontier State Bank: common questions
Is Frontier State Bank FDIC insured?
Yes. Frontier State Bank is an FDIC-insured institution (FDIC certificate #21978). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Frontier State Bank's TellerScore?
47 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Frontier State Bank ever failed?
There is no failure record for FDIC certificate #21978 in the FDIC failed bank list.
How many branches does Frontier State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Oklahoma City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Oklahoma Federal Credit UnionCredit union Oklahoma City, OK | 91 out of 100, Very strong | $198.9M | 20.2% | 0.24% | vs |
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | vs |
| Sooner State BankBank Tuttle, OK | 86 out of 100, Very strong | $354.6M | 12.8% | 0.33% | vs |
| Bank 7Bank Oklahoma City, OK | 86 out of 100, Very strong | $1.9B | 13.9% | 0.39% | vs |
| U. S. Employees O. C. Federal Credit UnionCredit union Oklahoma City, OK | 85 out of 100, Very strong | $213.5M | 16.3% | 0.20% | vs |
| Liberty National BankBank Lawton, OK | 84 out of 100, Strong | $1.3B | 10.3% | 0.02% | vs |