Frontenac Bank is a small, St. Louis area-based bank with four branches; the Kirkwood branch opened in 2009 in a gleaming, new building on the busy corner of Adams Avenue and Kirkwood Road in downtown Kirkwood. The bank prides itself on being an independent, community bank with expertise in the commercial real estate market. Frontenac Bank wants its customers to expect stellar personal service, with low rates, few lines and minimal waiting.