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Frontier Bank Sioux Falls, SD

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Frontier Bank Sioux Falls, SD Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Frontier Bank Sioux Falls, SD provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Frontier Bank Sioux Falls, SD rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Frontier Bank Sioux Falls, SD, and you can see how they compare in the Frontier Bank Sioux Falls, SD rate tables below. MonitorBankRates evaluates the financial stability of Frontier Bank Sioux Falls, SD with a 4.7 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Database rates last updated and verified on 09/23/2026.

Frontier Bank Sioux Falls, SD money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Frontier Bank Sioux Falls, SD? Share your experience about Frontier Bank Sioux Falls, SD by leaving a review below, or read customer reviews before you decide to use Frontier Bank Sioux Falls, SD.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

4.7

Excellent Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Frontier Bank

101 S Phillips Ave
Sioux Falls, SD 57104

https://www.frontierbank.com

Frontier Bank Sioux Falls, SD Other Rates

Product	Rate	Points	APY/APR
Additional Information	-	-	3.00%
Min Balance $250,000 Details Balances exceeding $250,000 receive APY of 3.00% and (2) balances ($50,000-99,999.99 earn 1.25%; $100,000-149,999.99 earn 1.50%; $150,000-199,999.99 earn 2.00%; $200,000-249,999.99 earn 2.50%). Account approval requirements apply. Fees may reduce earnings. See a Frontier Bank Customer Service Representative for more information. Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Additional Information	-	-	1.25%
Min Balance $50,000 Details Balances exceeding $250,000 receive APY of 3.00% and (2) balances ($50,000-99,999.99 earn 1.25%; $100,000-149,999.99 earn 1.50%; $150,000-199,999.99 earn 2.00%; $200,000-249,999.99 earn 2.50%). Account approval requirements apply. Fees may reduce earnings. See a Frontier Bank Customer Service Representative for more information. Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Additional Information	-	-	1.50%
Min Balance $100,000 Details Balances exceeding $250,000 receive APY of 3.00% and (2) balances ($50,000-99,999.99 earn 1.25%; $100,000-149,999.99 earn 1.50%; $150,000-199,999.99 earn 2.00%; $200,000-249,999.99 earn 2.50%). Account approval requirements apply. Fees may reduce earnings. See a Frontier Bank Customer Service Representative for more information. Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Additional Information	-	-	2.00%
Min Balance $150,000 Details Balances exceeding $250,000 receive APY of 3.00% and (2) balances ($50,000-99,999.99 earn 1.25%; $100,000-149,999.99 earn 1.50%; $150,000-199,999.99 earn 2.00%; $200,000-249,999.99 earn 2.50%). Account approval requirements apply. Fees may reduce earnings. See a Frontier Bank Customer Service Representative for more information. Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Additional Information	-	-	2.50%
Min Balance $200,000 Details Balances exceeding $250,000 receive APY of 3.00% and (2) balances ($50,000-99,999.99 earn 1.25%; $100,000-149,999.99 earn 1.50%; $150,000-199,999.99 earn 2.00%; $200,000-249,999.99 earn 2.50%). Account approval requirements apply. Fees may reduce earnings. See a Frontier Bank Customer Service Representative for more information. Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Perks	-	-	4.05%
Min Balance $25,000 Details Earn 4.05% APY* on balances up to $25,000- that's $1,000+ per year in interest; Automatic refunds on ATM fees nationwide- up to $20 monthly***!; Pair with our high interest savings- BIG DEAL Saver to earn even more!; No minimum balance; No monthly service charge; FREE online banking; FREE bill pay; FREE mobile banking with mobile deposit FREE eStatements FREE initial ATM/Debit Card; FREE thank you gift Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Perks	-	-	3.00%
Min Balance $250,000 Details Earn up to 3.00% APY on balances exceeding $250,000 Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Frontier Bank Sioux Falls, SD’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.00% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 3.5 to 4.7 and its Health Grade from B to A+. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$349M	0.00%	4.7	A+
March 31, 2026	$345M	0.00%	4.6	A
December 31, 2025	$342M	0.00%	4.8	A+
September 30, 2025	$341M	0.02%	4.5	A
June 30, 2025	$347M	0.00%	4.0	B+
March 31, 2025	$338M	0.00%	4.1	A-
December 31, 2024	$328M	0.00%	4.2	A-
September 30, 2024	$336M	0.00%	4.5	A
June 30, 2024	$326M	0.00%	4.3	A
March 31, 2024	$340M	0.00%	4.0	A-
December 31, 2023	$332M	0.00%	4.1	A-
September 30, 2023	$321M	0.00%	3.5	B

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Frontier Bank Sioux Falls, SD is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Frontier Bank Sioux Falls, SD rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Frontier Bank Sioux Falls, SD's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Frontier Bank Sioux Falls, SD

Bank Holding Company ROCK RIVERS BCORP

Address 101 S Phillips Ave, Sioux Falls, SD 57104 · Minnehaha

Website https://www.frontierbank.com

FDIC Certificate # 33922

Established 19940624

FDIC Insurance Date 19940624

Domestic Offices 5

Total Branches 5

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 97/100

4.7

Excellent Out of 5.0 Stars

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.4727%

Return on Equity (ROE) 7.0600%

Non-Performing Loans (NPL) 0.00%

Total Assets $349,155,000

Total Deposits $323,837,000

Equity Capital $23,509,000

Net Income $816,000

Headquarters Sioux Falls

Total Branches and Offices 5

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Frontier Bank Sioux Falls, SD earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

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Frequently Asked Questions About Frontier Bank Sioux Falls, SD

How many branches does Frontier Bank Sioux Falls, SD operate?

Frontier Bank Sioux Falls, SD currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Frontier Bank Sioux Falls, SD does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Frontier Bank Sioux Falls, SD provides members with tools to manage their accounts and build a solid financial history.

Does Frontier Bank Sioux Falls, SD offer online and mobile banking?

Most modern institutions like Frontier Bank Sioux Falls, SD provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.frontierbank.com.