Bank Comparison
Frost Bank vs Texas Capital Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
18 · 6
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Frost Bank | Texas Capital Bank |
|---|---|---|
| CET1 Ratio | 14.43% | 13.18% |
| Tier 1 Capital Ratio | 14.43% | 13.18% |
| Total Capital Ratio | 15.44% | 14.35% |
| Tier 1 Leverage Ratio | 9.07% | 11.91% |
| Equity / Assets | 8.57% | 10.91% |
Profitability
| Metric | Frost Bank | Texas Capital Bank |
|---|---|---|
| Return on Assets (ROA) | 1.31% | 1.00% |
| Return on Equity (ROE) | 15.35% | 8.63% |
| Net Interest Margin (NIM) | 3.68% | 3.45% |
| Yield on Earning Assets | 4.78% | 5.51% |
| Cost of Funds | 1.15% | 2.23% |
Asset quality
| Metric | Frost Bank | Texas Capital Bank |
|---|---|---|
| Texas Ratio | 2.16% | 5.18% |
| Non-Performing Loan Ratio | 0.32% | 0.73% |
| Non-Performing Asset Ratio | 0.14% | 0.55% |
| Net Charge-Off Ratio | 0.11% | 0.30% |
| ACL / Loans | 1.28% | 1.07% |
Balance sheet
| Metric | Frost Bank | Texas Capital Bank |
|---|---|---|
| Total Assets | $52,769M | $33,205M |
| Total Deposits | $43,235M | $29,118M |
| Total Loans | $22,432M | $25,200M |
| Total Equity | $4,524M | $3,623M |
| Net Income (quarter) | $174,000K | $77,480K |
Liquidity & funding
| Metric | Frost Bank | Texas Capital Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 51.88% | 86.55% |
| Core Deposit Ratio | 90.27% | 98.11% |
| Uninsured Deposit Ratio | 51.34% | 41.19% |
Identity
| Metric | Frost Bank | Texas Capital Bank |
|---|---|---|
| Headquarters City | SAN ANTONIO | DALLAS |
| Headquarters State | TX | TX |
| Asset Tier | Regional | Regional |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 219 | 10 |
| Employees (FTE) | 6,058 | 1,758 |
| Established | Feb. 20, 1899, midnight | Oct. 3, 1997, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Frost Bank profile | View full Texas Capital Bank profile | Browse all bank comparisons