BlastPoint's Banking Scorecard
Frontier State Bank
Community
Specialty: Commercial
OK
FDIC cert 21978
Oklahoma City, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
Frontier State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 35% in Community
- + Efficiency Ratio 16.35% below tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 44% in Community
- - Non-Interest Income / Assets 0.67% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$588.4M
+9.9% YoY
+1.4% QoQ
|
-$803.1M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$458.2M
+8.0% YoY
+1.3% QoQ
|
-$517.3M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$466.1M
+2.4% YoY
-0.2% QoQ
|
-$698.6M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
1.83%
+22.3% YoY
+1.2% QoQ
|
+0.67% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
3.55%
+10.5% YoY
+0.4% QoQ
|
-0.12% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
46.28%
-8.9% YoY
-0.5% QoQ
|
-16.35% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
0.19%
-50.7% QoQ
|
-0.43% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
98.31%
+5.5% YoY
+1.5% QoQ
|
+15.25% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
11.21%
-2.5% YoY
+1.7% QoQ
|
-9.83% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
0.15%
-50.7% QoQ
|
-0.35% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.07%
+1.1% YoY
+63.0% QoQ
|
-0.67% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#132 of 371 · Top 35% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.83%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
Efficiency Ratio
metric
Top 10%
in Community
Why this stands out
Current:
46.28%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (2)
Credit Risk Growth
risk
#282 of 642 · Bottom 44% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Non-Interest Income / Assets
metric
Bottom 2%
in Community
Why this stands out
Current:
0.07%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Efficiency Ratio
Current: 46.28% · Tier avg: 62.63%
87
87th pctile
Return on Assets
Current: 1.83% · Tier avg: 1.16%
71
71th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
44
44th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
24
24th pctile
Total Loans
Current: $458.2M · Tier avg: $975.5M
16
16th pctile
Loan-to-Deposit Ratio
Current: 98.31% · Tier avg: 83.06%
13
13th pctile
Total Assets
Current: $588.4M · Tier avg: $1.4B
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.21% · Tier avg: 21.05%
8
8th pctile
Total Deposits
Current: $466.1M · Tier avg: $1.2B
2
2th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.74%
Top Weaknesses
2
2th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.74%
8
8th pctile
Total Deposits
Current: $466.1M · Tier avg: $1.2B
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.21% · Tier avg: 21.05%
13
13th pctile
Total Assets
Current: $588.4M · Tier avg: $1.4B
16
16th pctile
Loan-to-Deposit Ratio
Current: 98.31% · Tier avg: 83.06%
24
24th pctile
Total Loans
Current: $458.2M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
44
44th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.66%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
71
71th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
87
87th pctile
Return on Assets
Current: 1.83% · Tier avg: 1.16%
90
90th pctile
Efficiency Ratio
Current: 46.28% · Tier avg: 62.63%