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Frontier Bank
Sioux Falls, SD · FDIC Certificate #33922 · Chartered 06/2
Total assets
$349.15M
Total deposits
$323.84M
Total equity
$23.51M
Net loans
$238.69M
Branches (offices)
5
Net income (YTD)
$816.00K
Rank: #2,258 of 4,213 U.S. banks by assets · #27 of 56 in South Dakota. Assets changed 0.7% and deposits 3.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.47% |
| Return on equity | 7.06% |
| Net interest margin (YTD) | 3.07% |
| Equity to assets | 6.73% |
| Tier 1 leverage ratio | 8.76% |
| Uninsured deposits (share of deposits) | 14.4% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 73.7% |
| Real estate loans (share of loans) | 75.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $181.15M | 75.9% | |
| Commercial & industrial | $13.74M | 5.8% | |
| Consumer / individual | $3.00M | 1.3% | |
| Construction & development | $7.80M | 3.3% | |
| Agricultural | $37.52M | 15.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $279.77M | $259.11M | $1.49M | $19.76M |
| Jun 2023 | $325.46M | $284.88M | $864.00K | $19.64M |
| Jun 2024 | $325.89M | $283.55M | $811.00K | $20.55M |
| Jun 2025 | $346.76M | $312.43M | $711.00K | $20.64M |
| Jun 2026 | $349.15M | $323.84M | $816.00K | $23.51M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $255.19M | 3 |
| South Dakota | $68.65M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $323.84M.
Similar-sized banks
The Bank Of Herrin ($349.16M) · Commercial Savings Bank ($348.84M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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