FROST BANK

SAN ANTONIO, TX | Regional | Est. Feb. 20, 1899, midnight | FDIC #5510 | RSSD #682563 | FED
Latest Report: 2025-12-31

FROST BANK is arn regional FDIC-insured commercial bank headquartered in SAN ANTONIO, TX, established in Feb. 20, 1899, midnight. As of 2025-12-31, the bank reported total assets of $53.1B and total deposits of $43.3B. Profitability stands at 1.28% ROA and 15.12% ROE, with a net interest margin of 3.72%. The bank's CET1 capital ratio is 14.33%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.32% and a Texas Ratio of 1.49%. FDIC Certificate #5510.

Assets

$53.1B

Deposits

$43.3B

Loans

$21.9B

Equity

$4.5B

Profitability

Return on Assets (ROA) 1.28%
Return on Equity (ROE) 15.12%
Net Interest Margin (NIM) 3.72%
Yield on Assets 5.05%
Cost of Funds 2.25%

Asset Quality

NPL Ratio 0.32%
Net Charge-Off Ratio 0.15%
Texas Ratio 1.49%
NPA Ratio 0.14%
ACL / Loans 1.29%

Capital & Liquidity

CET1 Ratio 14.33%
Tier 1 Capital 14.33%
Total Capital Ratio 15.34%
Leverage Ratio 8.69%
Loan-to-Deposit 50.52%

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