# FRONTIER STATE BANK
OKLAHOMA CITY, OK · FDIC certificate 21978 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $608.6M | |
| Deposits | $457.5M | |
| Loans and leases | $482.2M | |
| Total equity | $67.5M | |
| Loans / deposits | 104.00% (p93 of band) | 82.04% |
| Liquid assets / assets | 18.12% (p25 of band) | |
| Uninsured deposits / deposits | 26.21% (p52 of band) | 25.97% |
| Brokered deposits | 3.29% | |
| Wholesale funding | 16.76% (p89 of band) | |
| FHLB advances / assets | 13.47% | |
| Tier 1 leverage | 11.54% (p63 of band) | 10.81% |
| Unrealized securities loss / equity | -6.16% (p57 of band) | -8.10% |
| AOCI / equity | -0.80% (p30 of band) | |
| ROA (annualized) | 1.62% (p71 of band) | 1.28% |
| Net interest margin | 3.35% (p22 of band) | 3.91% |
| Efficiency ratio | 48.87% (p16 of band) | |
| Noncurrent loans | 4.81% (p97 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p16 of band) | |
| Reserve coverage of noncurrent | 27.64% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 82.70% (p79 of band) | |
| Auto loans | $603,000 (0.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $22.8M (34% of equity) (p99 of band) | |
| Deposits YoY | -4.2% | |
| Employees | 43 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 5 | loans exceed deposits, construction >100% equity |  |
| 2012-09 | 8 | capital falling, losing money, charge-offs p90 |  |
| 2012-12 | 6 | uninsured deposits leaving | capital falling, losing money, charge-offs p90 |
| 2013-03 | 6 |  |  |
| 2013-06 | 4 |  | construction >100% equity, uninsured deposits leaving |
| 2013-09 | 4 | noncurrent p90 | loans exceed deposits |
| 2013-12 | 5 | capital falling, charge-offs p90 | noncurrent p90 |
| 2014-03 | 4 | noncurrent p90 | capital falling, charge-offs p90 |
| 2014-06 | 3 |  | noncurrent p90 |
| 2014-09 | 4 | noncurrent p90, construction >100% equity | brokered >10% |
| 2014-12 | 6 | loans exceed deposits, charge-offs p90 |  |
| 2015-03 | 6 | capital falling | charge-offs p90 |
| 2015-06 | 6 |  |  |
| 2015-09 | 5 |  | capital falling |
| 2015-12 | 6 | charge-offs p90 |  |
| 2016-03 | 4 |  | loans exceed deposits, charge-offs p90 |
| 2016-06 | 6 | charge-offs p90, deposits shrinking |  |
| 2016-09 | 7 | losing money, NIM <2.5% | deposits shrinking |
| 2016-12 | 8 | deposits shrinking, assets shrinking | NIM <2.5% |
| 2017-03 | 8 | uninsured deposits leaving | losing money |
| 2017-06 | 8 | losing money, expense ratio p90 | assets shrinking, uninsured deposits leaving |
| 2017-09 | 10 | loans exceed deposits, assets shrinking |  |
| 2017-12 | 6 |  | construction >100% equity, deposits shrinking, expense ratio p90, assets shrinking |
| 2018-03 | 6 | deposits shrinking, assets shrinking | charge-offs p90, losing money |
| 2018-06 | 5 | construction >100% equity | deposits shrinking, assets shrinking |
| 2018-09 | 6 | charge-offs p90, uninsured deposits leaving | loans exceed deposits |
| 2018-12 | 9 | loans exceed deposits, capital falling, losing money |  |
| 2019-03 | 5 | NIM <2.5% | charge-offs p90, uninsured deposits leaving, loans exceed deposits, capital falling, losing money |
| 2019-06 | 6 | loans exceed deposits |  |
| 2019-09 | 8 | charge-offs p90, deposits shrinking |  |
| 2019-12 | 7 | assets shrinking | construction >100% equity, NIM <2.5% |
| 2020-03 | 8 | uninsured deposits leaving |  |
| 2020-06 | 5 |  | charge-offs p90, deposits shrinking, assets shrinking |
| 2020-09 | 5 | capital falling | uninsured deposits leaving |
| 2020-12 | 3 | construction >100% equity | wholesale funding >15%, loans exceed deposits, capital falling |
| 2021-03 | 4 | assets shrinking |  |
| 2021-06 | 4 | charge-offs p90 | construction >100% equity |
| 2021-09 | 3 |  | noncurrent p90 |
| 2021-12 | 1 |  | reserve under noncurrent, charge-offs p90 |
| 2022-03 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 1 | capital falling | assets shrinking, noncurrent p90, reserve under noncurrent |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | capital falling |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | capital falling |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | construction >100% equity |  |
| 2024-09 | 0 |  | capital falling, construction >100% equity |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 | construction >100% equity | capital falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 | capital falling | construction >100% equity |
| 2026-06 | 5 | loans exceed deposits, wholesale funding >15%, noncurrent p90, reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2016-06-09 [Judge dismisses conspiracy charge against Frontier State Bank - journalrecord.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxOTllpZGRUcDR5bWVtSzFuTHY1Y2lmSzdLaDZxQzdVZ0RUNjIwSmtYMl9YOTg2UzlMYWlFUlJ1eXJnTmVhYnd4QkpndkUyVFJXeXlzNmNZQVdJMnphTEdobW9ZLWt5em5iWGpOTEcwWnFkSGZLMEU1OUpRenUzZFdVTll5TklybHkwQ21WN1Q4WVRNV2lKdE5VR0VFTjB6NDNra2RZWndR?oc=5) · journalrecord.com
- 2009-06-05 [An Unusual Fight with FDIC Goes to Court - American Banker](https://news.google.com/rss/articles/CBMiggFBVV95cUxNQk1XVHI2MThBUnJGakR5UEFyckxEU25pYjJza0hmWFBKUXBUUXVmSUplWTI3dmRiOFN0NFZFbFJwMFh6bzVuOGUtLU1hQ25TSmNxa2FnSHpsTWJzZ1hDVUFtbnVTVlpkVGN3Y0tiendzN1NrSVg3SEhwd3JCY3lORXNR?oc=5) · American Banker
- 2015-11-25 [Inside info: Bankruptcy filing claims that insider loan wasn’t reported - journalrecord.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxORm1EZC1NWWN5eEtzWFdheTVaNFBHWFlmMkR0Z3NFbVp3b2NHRkg2OGlSTld0anljN08yR19udTVXY2lIWEllbUJVeC1DLXVqWmp1dlltc3Z6UTY3b21jc2MzT3draTF1TndQRGhzdU1nZFI2ZzBFaW0wbVkwOGp1VzVhWHVLMjVvbWJxNmZPVC1JLWZzLUR1ZTZuQ2g0TjhVOHFXYjVwQmluRGVaOHlz?oc=5) · journalrecord.com
- 2011-08-30 [Health and fitness news briefs - The Oklahoman](https://news.google.com/rss/articles/CBMisAFBVV95cUxPUmVXemNkbHFRQUh2c1ZMOFd6dzBnRlJQdnlHNHZsS3BKZmdnUGtfS0d3QjRvZjlKblFlZmtGX2V3U3h2bkRqaFVRUldwamk4cDU2UzNKV1IwR0lmWVZvSVpJYUtvWW83Q0h3Qy1TQnAyT2JJVE1QcnR5ZFhVcF9HN0hQV1RJLW1qOGV3d01zcWZmZnRCTE1zZjBzSmZCRENXb3dCWGNIeXFGeDlYTXRnNQ?oc=5) · The Oklahoman
- 2017-01-25 [Logan County filings for Jan. 24, 2017 - Guthrie News Page](https://news.google.com/rss/articles/CBMic0FVX3lxTE4tYWh0V1F1bEVGUVNnOXZpbmdYNXBkWk9BMGpTN0hQZlZ4eG1rVmhSN3RCdVZGVkhSM2N4Q1gtaWFCS2NyZGVkLXhzMmNFR0F5MXlySHR4aGdvd0hDMmszOHdPSEZzMHRtdVZwaWdMeGV6V0E?oc=5) · Guthrie News Page
- 2020-07-21 [Salvation Army hosts fundraiser for utility assistance - The Oklahoman](https://news.google.com/rss/articles/CBMi0AFBVV95cUxQYlE1eXM5eFJ0VGdQVmd1MU5mNmR6bmxXN3Y3UFdRYnZuWDc2eTVJUzdDcl9XbnRGQ0lwV0RnOUdnVGtmaVdhR1RCUjh4UnA0TXlxMlhBaUtRTkdsSi1kcUg4bHBncThyck14QzVKWXhRcWFoamxKZ3B6WnVTMXFYZnU2VXVCdXdLekVKSmdnRWFVM2xXcnRWTzR0Z0ZRNlZqUWFGdVY4akJZN085LWh6aV9sX0JoT0g5dWd2OTgxbkRpWFVlQUNwRFpyV2gtXzdw?oc=5) · The Oklahoman
- 2015-05-06 [Tornadoes tear across western and central Oklahoma - The Oklahoman](https://news.google.com/rss/articles/CBMitAFBVV95cUxONU4tbzJMWjVVcDE4c056d2Q1VnFWYzFYOWNZOHhCUFZwaVg4eDktWU5Ob3BSVDhnMEtsYzIzdTZUVUpENUVuZ212ODZHOWNxTWxhSm5VOWJTVURGU0gyQWJFM3VXN0pNM1RJOXZJUGZmUmlObUFSZWp6WUJqUXhxa1k5cVlkNWd1S3hvcUxmRHlOdDBOdjh4azU2c2h3ai1SSGQ4RG02alBCQndMemQxdWg3SGE?oc=5) · The Oklahoman
- 2021-11-23 [Nigerian convicted in US for COVID-19 loan scam, accomplices sentenced - Daily Post Nigeria](https://news.google.com/rss/articles/CBMipAFBVV95cUxPRThJa1NIa1hpaUNSZ0NEeFhYM1VCdmh2UzhWWVVDWnowS3ZwN19qZzBHSWxXSnZid1RXWkp4bTJwSGZNTzd1YXZyUzhZc0tjTHh3SjczbVYtWGYzeW94VFE3MWExVTgwWkQ0b1Q3Z2U5dlNqR2pURElxQ2piZHJ4RWJ1czlqNDFydC01QlVGTklYdlB6aHJOc0JQTjljZ2kweDdKMA?oc=5) · Daily Post Nigeria

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21978 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/26.json (key "21978", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide