Question 1

What is Frontier State Bank?

Accepted Answer

Frontier State Bank is a state-chartered commercial bank based in Oklahoma City, Oklahoma, specializing in commercial lending and business banking services. With approximately $580 million in assets and a single office location, the bank focuses on serving businesses of all sizes and individuals throughout the greater Oklahoma City metropolitan area.

The bank operates with a strong return on equity of 15.61% and return on assets of 1.81%, demonstrating solid financial performance. Frontier State Bank emphasizes local decision-making and relationship banking, positioning itself as an alternative to larger mega banks.

Question 2

When was Frontier State Bank founded?

Accepted Answer

Frontier State Bank was established on April 14, 1975, making it nearly 50 years old. The bank received FDIC insurance on the same date it was founded, establishing it as a trusted community banking institution from its inception.

Over its nearly five decades of operation, Frontier State Bank has maintained its independence and commitment to serving the Oklahoma City business community while adapting to the changing financial landscape.

Question 3

Where is Frontier State Bank headquartered?

Accepted Answer

Frontier State Bank is headquartered at 5100 S I-35 Service Road in Oklahoma City, Oklahoma County, Oklahoma. The bank's strategic location along Interstate 35 provides convenient access for commercial clients throughout the Oklahoma City region.

Question 4

Where does Frontier State Bank operate?

Accepted Answer

Frontier State Bank operates in the Oklahoma City, Oklahoma metropolitan area. The bank maintains a single domestic office in Oklahoma City, from which it serves businesses and individual customers throughout the metro area and surrounding regions.

Despite having one physical location, the bank leverages technology and relationship banking to extend its reach throughout the Oklahoma City market.

Question 5

What services does Frontier State Bank offer?

Accepted Answer

Frontier State Bank offers a comprehensive suite of banking products and services for both business and personal customers. For commercial clients, the bank specializes in commercial real estate financing, industrial equipment loans, commercial vehicle financing, investment property loans, operating lines of credit, letters of credit, and a full suite of treasury management services designed to help businesses manage cash flow efficiently.

For personal banking, Frontier State Bank provides checking accounts, savings accounts, certificates of deposit with competitive rates, new and used vehicle loans, RV financing, and home mortgage products.

The bank's lending capacity extends to loans of up to $20 million, demonstrating its ability to serve substantial commercial clients while remaining nimble enough to provide case-by-case flexibility for smaller borrowers. Digital banking services are available to provide customers with convenient 24/7 access to their accounts.

All lending decisions are made locally in Oklahoma City, allowing for faster responses and more personalized service than larger banks can typically provide.

Question 6

What makes Frontier State Bank unique?

Accepted Answer

Frontier State Bank's primary distinction is its unwavering focus on lending and business banking. The bank describes lending as "absolutely what we do" and positions it as their passion rather than just a service line.

The bank's size provides a unique advantage—small enough to offer case-by-case flexibility and personalized attention, yet large enough to handle substantial commercial loans up to $20 million. This combination allows the bank to serve businesses across a wide spectrum of sizes.

All credit decisions are made locally in Oklahoma City, and customers can reach lending officers at any time to discuss their business needs—a level of accessibility that contrasts sharply with the bureaucratic processes at mega banks.

Frontier State Bank is structured as an S-Corporation and operates as a community bank, reflecting a long-term commitment to local ownership and decision-making. The bank's strong financial performance metrics, including a 15.61% return on equity, demonstrate effective management and sustainable operations.

Question 7

What type of financial institution is Frontier State Bank?

Accepted Answer

Frontier State Bank is a State-Chartered Commercial Bank with a commercial lending specialization. The bank operates under an Oklahoma state charter and is a non-member of the Federal Reserve System, with the FDIC serving as its primary federal regulator.

As a commercial bank with lending specialization, Frontier State Bank concentrates its expertise on business lending, commercial real estate, and equipment financing, while also providing essential personal banking services to individuals and families in its market.

Frontier State Bank

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About Frontier State Bank in the United States