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Frontier State Bank is an FDIC-insured Oklahoma City bank serving the region for over 50 years, offering checking, savings, CDs, lending, and business banking solutions.
Data compiled from public sources
Frontier State Bank has been serving the Oklahoma City community for more than 50 years as a traditional full-service bank. Located at 5100 South I-35 Service Road, the bank operates with FDIC insurance backing, providing depositors with federal protection up to applicable limits. The institution maintains a physical presence with a main lobby and drive-through locations, complemented by modern digital banking capabilities.
The bank offers a comprehensive suite of retail and business banking services including checking and savings accounts, certificates of deposit (CDs), personal and commercial lending, credit cards (VISA line), online banking, and treasury services for business clients. Their lending solutions span multiple use cases, and they specifically promote competitive CD rates as a savings vehicle. The bank provides both consumer and business checking accounts tailored to different customer needs.
Frontier State Bank distinguishes itself through its long-standing local presence and community focus in Oklahoma City, combined with FDIC insurance protection and modernized online banking platform. The bank emphasizes improved digital features and performance while maintaining traditional in-person service channels. Their treasury services indicate capability for more sophisticated business cash management needs.
The bank operates as a traditional brick-and-mortar institution with extended hours (9am-5pm weekdays, 9am-6pm Fridays, 9am-12pm Saturdays for drive-through). However, the website provides limited detailed information about specific product terms, rates, fees, or competitive advantages beyond their longevity and basic service categories. Prospective customers would need direct contact (405-672-7831) to compare rates and terms against other regional and national options.
This is state-level context for Banks consumers in Oklahoma City, OK. It does not confirm that Frontier State Bank or this specific location is licensed.
State regulator
Oklahoma Department of Consumer Credit
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Frontier State Bank processed 23 mortgage applications in 2023, approving 87% of applicants across 1 states.
23
Applications
87%
Approval Rate
$174K
Avg Loan
1
States Served
Based on 23 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Frontier State Bank offers 12 services including FDIC-insured checking accounts, FDIC-insured savings accounts, Certificate of Deposit (CD) products, Personal lending and loans, Commercial lending solutions, and 7 more.
Frontier State Bank is best suited for Oklahoma City residents seeking local bank relationship with FDIC protection, Small to mid-sized businesses needing commercial checking and treasury services, Savers looking for competitive CD rates and traditional banking services, Customers preferring in-person banking with extended drive-through hours.
Key strengths: FDIC-insured deposits with federal backing up to applicable limits; Over 50 years of established operations serving Oklahoma City community; Extended drive-through hours (8am-6pm weekdays, 9am-12pm Saturday) for convenience. Areas to consider: Limited transparency on website regarding specific rates, terms, and fee structures; Single physical location in Oklahoma City limits geographic accessibility.
In the Banks category, comparable providers include All America Bank, All Capital Bank, American Bank and Trust Company. Each company has different strengths — compare services, pricing, and consumer complaint records to find the best fit.
CreditDoc Diagnosis
Frontier State Bank is best for Oklahoma City-area residents and small-to-mid-sized businesses seeking a traditional community bank with FDIC protection, extended hours, and digital banking access. The primary caveat is that the website lacks detailed rate and fee information, requiring direct contact with the bank to make informed product comparisons.
Community bank serving Oklahoma since 1927, offering personal and business banking, lending, and deposit products with competitive rates and local relationship-based service.
Best for: Oklahoma residents seeking competitive deposit rates with local relationship banking, Small business owners and agricultural enterprises in Oklahoma needing relationship-based lending
All Capital Bank is a community-focused bank serving Locust Grove, OK since 1949, offering personal banking, business solutions, and loan products with emphasis on local community support.
Best for: Locust Grove, Oklahoma residents seeking community-oriented banking with local relationship focus, Small to medium-sized local businesses needing scalable banking and lending solutions
Oklahoma-based community bank offering personal and commercial checking, savings, CDs, IRAs, loans, and trust services since 1971.
Best for: Oklahoma-based business owners seeking commercial banking and trade finance services, Customers who value in-person relationships and local community banking over digital convenience
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