Frontier State Bank: how it compares with its peers
Against 61 OK banks with half to twice its assets, Frontier State Bank's strongest measure in Q2 2026 is assets per employee ($14.2M vs. a $6.7M peer median). Its weakest relative measure is net interest margin (3.35% vs. 4.17%).
| Measure | Frontier State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.62% | 1.37% | Middle third Ahead of 61% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.35% | 4.17% | Bottom third Ahead of 8% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.87% | 61.95% | Top third Ahead of 87% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $14.2M | $6.7M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 104.00% | 79.18% | Context |
What it means for lending operations
Its efficiency ratio of 48.87% is better than the 61.95% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- All America Bank Oklahoma City, OK · $611M
- AVB Bank Broken Arrow, OK · $612M
- Wisdom Heritage Bank Alva, OK · $601M
- Cattlemens Bank Altus, OK · $595M
- First National Bank & Trust Company of McAlester Mcalester, OK · $580M
- First Bank of Owasso Owasso, OK · $639M
Questions about Frontier State Bank
How big is Frontier State Bank?
Frontier State Bank, established in 1975, is headquartered in Oklahoma City, OK. It reported $609M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Frontier State Bank's return on assets?
1.62% annualized in Q2 2026, against a 1.37% median for 61 OK banks with half to twice its assets, ahead of 61% of them.
What is Frontier State Bank's efficiency ratio?
48.87% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 61.95%, and lower is better.
Is Frontier State Bank growing its loans?
Net loans grew 3.9% over the year to Q2 2026, while deposits shrank 4.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.