BanksFROST BANK

FROST BANK

SAN ANTONIO, TXRegionalEst. Feb. 20, 1899, midnightFDIC #5510RSSD #682563FED
Latest · 2025-12-31

FROST BANK is an 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%. CET1 capital ratio: 14.33%, well above regulatory minimums. NPL ratio: 0.32% · Texas Ratio: 1.49%. Operates 213 domestic branches.

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 Margin3.72%
Yield on Assets5.05%
Cost of Funds1.50%

Asset Quality

NPL Ratio0.32%
Net Charge-Off Ratio0.15%
Texas Ratio1.49%
NPA Ratio0.14%
ACL / Loans1.29%

Capital & Liquidity

CET1 Ratio14.33%
Tier 1 Capital14.33%
Total Capital Ratio15.34%
Leverage Ratio8.69%
Loan-to-Deposit50.52%

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