Bank · FDIC insured
Frontier State Bank
Top CarrotA $608.6M bank headquartered in Oklahoma City, OK, with 1 branch in Oklahoma. Best rates: CDs 4.25% and savings 1.97% APY.
Frontier State Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 84% of U.S. banks and credit unions
#8 of 47 in Oklahoma City, OK metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Frontier State Bank
Frontier State Bank is a locally-owned community bank that has served Oklahoma City for over 50 years.
- Headquarters
- 5100 S I 35 Service Rd, Oklahoma City, OK 73129
- FDIC certificate
- 21978 ↗
Branches
1 branch in Oklahoma
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Oklahoma
1 branch
- Frontier State BankMain office5100 S I 35 Service Rd, Oklahoma City, OK 73129Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.54% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 4.81% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.62% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $105 | $81 | — |
- CapitalLeverage ratio11.54%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent4.81%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.62%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$105Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Frontier State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.