What Frontier State Bank does

Frontier State Bank is a privately held community bank headquartered at 5100 South I-35 Service Road in Oklahoma City, Oklahoma, that has served the local metro area for over 50 years. Operationally active under Oklahoma law and FDIC-insured, the bank provides a full stack of personal and business banking products to consumers, small businesses, and commercial customers in the Oklahoma City metro and broader South Oklahoma region. Distribution rests on a single physical branch with lobby and drive-through service, supplemented by self-service digital channels including the online banking portal (my.frontier-ok.com), mobile applications for iOS, Android, and Kindle Fire, and direct customer contact via phone, email, and dedicated Treasury Officers for commercial accounts.

The product set spans core retail deposits (Basic Checking, Interest Checking, Regular Savings, Money Market, Certificates of Deposit with 3- to 60-month terms, and IRAs), card products (EMV chip-enabled MasterCard debit and a VISA Classic/Platinum/Business credit card line), consumer and commercial lending (commercial real estate, equipment, commercial vehicles, investment properties, vehicle/RV/home loans, operating lines of credit, and letters of credit, with stated capacity up to $20 million per relationship), and a Treasury Services suite for commercial cash management (ACH Receivables, ACH Payables, Remote Deposit Capture, and Positive Pay fraud detection). Supporting technology consists of a traditional core banking platform integrated with online/mobile banking, remote deposit capture, Quicken and MS Money transaction export, same-day ACH processing, and standard FDIC compliance and data security controls.

The economic model follows the conventional community banking model: net interest income from lending and investment securities as the primary driver, supplemented by transaction and service fees on deposit accounts, MasterCard debit interchange, and treasury management services. Marketing and customer acquisition rely on the company website (frontier-ok.com), digital enrollment flows, and extensive community engagement with Oklahoma City civic organizations rather than paid acquisition channels. Leadership comprises President Billie N. Haycraft, SVP/COO Deadra Garrett, and SVP/CFO Nathan Clemmons, with overall headcount reported in the 101–250 range. No acquisitions, fundraising events, geographic expansion, or product launches beyond the incumbent suite are disclosed in the input data.

Name

Frontier State Bank

Legal name

Frontier State Bank

Website

https://frontier-ok.com

Company type

Private

Founded year

1975

Operating status

Operating

Headcount range

101–250 employees

Short description

Frontier State Bank is a privately held community bank in Oklahoma City offering personal and business deposit products, commercial and consumer lending up to $20 million, treasury services, and online and mobile banking to consumers, small businesses, and commercial customers across the Oklahoma City metro area.

Ownership category

akta.pro rank

Headquarters

HQ city

Oklahoma City

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Interest Income: Traditional banking revenue from interest earned on loans (commercial real estate, equipment, vehicles, lines of credit) and investment securities
2. Deposit Account Fees: Monthly maintenance fees, per-item fees on business accounts, paper statement fees, and other account service charges
3. Card Transaction Fees: Interchange fees from MasterCard debit card transactions
4. Treasury Services Fees: Fees for cash management, remote deposit capture, positive pay, and other commercial banking services

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Frontier State Bank is a community bank serving Oklahoma City for over 50 years, providing personal and business banking products. Core offerings include checking, savings, money market, certificates of deposit, IRAs, MasterCard debit cards, safe deposit boxes, online and mobile banking, consumer and commercial lending up to $20 million, and Treasury Services (cash management including ACH, Remote Deposit Capture, and Positive Pay).

Product overview

Frontier State Bank is a community bank serving Oklahoma City for over 50 years, offering a comprehensive suite of personal and business banking products. The bank's offering consists of core deposit products (Checking, Savings, Money Market, CDs, IRAs), card services (MasterCard Debit Cards), lending services (Commercial and Consumer loans up to $20 million), and digital banking channels (Online Banking, Mobile Banking with Remote Deposit Capture and Bill Pay). Business banking features include Treasury Services with Cash Management capabilities (ACH Receivables/Payables, Remote Deposit Capture, Positive Pay fraud detection). The products work together as an integrated banking ecosystem where customers access accounts through digital channels, manage cash flow via Treasury Services, and access funds through debit cards and lending products.

Differentiator

Problem solved

Functional benefit

Products and services

• Basic Checking

Quantifiable outcome

• Lending capacity up to $20 million for commercial loans
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature4 records

Partnerships

17 partnerships are on record, tiered minor.

• Allied Arts FoundationminorOthersCommunity support partnership. Frontier State Bank is an active participant supporting Allied Arts Foundation in Oklahoma City.
• Central Oklahoma Habitat for HumanityminorOthersCommunity support partnership. Frontier State Bank supports Central Oklahoma Habitat for Humanity.
• Children's Hospital FoundationminorOthersCommunity support partnership. Frontier State Bank supports Children's Hospital Foundation.
• City CareminorOthersCommunity support partnership. Frontier State Bank supports City Care organization.
• Eagle Sky Christian CampsminorOthersCommunity support partnership. Frontier State Bank supports Eagle Sky Christian Camps.
• Greater Oklahoma City Hispanic Chamber of CommerceminorOthersBusiness community partnership. Frontier State Bank supports the Greater Oklahoma City Hispanic Chamber of Commerce.
• Oklahoma Medical Research FoundationminorOthersCommunity support partnership. Frontier State Bank supports Oklahoma Medical Research Foundation.
• Boathouse District / Riversport OKCminorOthersCommunity support partnership. Frontier State Bank supports the Boathouse District.
• Oklahoma Lawyers for ChildrenminorOthersCommunity support partnership. Frontier State Bank supports Oklahoma Lawyers for Children.
• Salvation ArmyminorOthersCommunity support partnership. Frontier State Bank supports the Salvation Army.
• Santa Fe Family Life CenterminorOthersCommunity support partnership. Frontier State Bank supports Santa Fe Family Life Center.
• South OKC Chamber of CommerceminorOthersBusiness community partnership. Frontier State Bank is a member of the South OKC Chamber of Commerce.
• Variety CareminorOthersCommunity support partnership. Frontier State Bank supports Variety Care.
• Wheeler ElementaryminorOthersCommunity support partnership. Frontier State Bank supports Wheeler Elementary school.
• Whiz KidsminorOthersCommunity support partnership. Frontier State Bank supports Whiz Kids program through City Care.
• Youth For Christ South OKCminorOthersCommunity support partnership. Frontier State Bank supports Youth For Christ South OKC.
• YWCA OKCminorOthersCommunity support partnership. Frontier State Bank supports YWCA OKC.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• BancFirst Corporation: Oklahoma's largest state-chartered bank holding company with extensive branch coverage across the state. Comparable to Frontier in Oklahoma market focus and full-service commercial and consumer banking, but with materially larger scale and broader geographic reach.
• BOK Financial: Tulsa-headquartered regional bank holding company (NASDAQ: BOKF) with a major Oklahoma City presence. Overlaps directly with Frontier on commercial lending, treasury management, and consumer banking in the OKC metro, but operates at significantly greater scale across multiple states.
• JPMorgan Chase (Oklahoma City retail): National money-center bank with a significant Oklahoma City branch network and digital banking presence. Indirect competitor to Frontier for consumer deposits, small business banking, and treasury services, operating at vastly larger scale.

Direct peers

• Intrust Bank: Community bank offering consumer checking, savings, lending, and treasury management. Comparable to Frontier in core community banking offering and focus on local relationship banking, though operating in a different geography (Kansas).
• First National Bank of Oklahoma: Community bank headquartered in Oklahoma with consumer and commercial banking offerings. Directly comparable to Frontier as a state-chartered community bank operating in the Oklahoma market with personal and business lending products.
• MidFirst Bank: Oklahoma-based privately held commercial bank offering consumer and business banking, lending, and treasury services. Comparable to Frontier as a privately held Oklahoma bank competing in the same OKC metro market with similar product breadth and local decision-making.
• Sooner State Bank: Oklahoma-based community bank offering consumer and commercial deposit products, lending, and digital banking. Comparable to Frontier in charter type, market focus, and product breadth as a smaller Oklahoma community bank.
• Pinnacle Bank (Oklahoma): Oklahoma community bank providing checking, savings, lending, and treasury services. Comparable to Frontier as a state-chartered community bank serving local personal and business customers in the Oklahoma market.
• First Bank (Oklahoma): Oklahoma community bank providing personal and business banking services. Closely comparable to Frontier as a privately held Oklahoma state-chartered community bank serving local consumer and commercial customers.

Regional players

• RCB Bank: Oklahoma-based community bank offering personal and business banking, treasury services, and lending. Comparable to Frontier in product mix and customer segments, primarily serving Oklahoma and surrounding states.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/profile.php

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Frontier State Bank