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Frost Bank

SAN ANTONIO, TXRegionalEst. Feb 20, 1899FDIC #5510RSSD #682563FED
Latest ·

Frost Bank is the primary bank subsidiary of its parent holding company, headquartered in San Antonio, TX, in the San Antonio metropolitan region. Total assets stand at $52.8B. Profitability is strong — 1.31% ROA, paired with 15.35% ROE and a 3.68% net interest margin. Capital cushions are healthy: 14.43% CET1, 9.07% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.32%. A 219-branch network serves customers across multiple states.

Headquarters Profile

Address
111 W Houston St, SAN ANTONIO, TX 78205
County
Bexar
Metro Area
SAN ANTONIO-NEW BRAUNFELS, TX
Charter
Commercial bank, state charter, Fed member, FRB-supervised
Primary Regulator
FED
Fed District
13
Established
February 20, 1899
Branches
219 domestic
Employees (FTE)
6058
FDIC Cert
5510
Fed RSSD
682563
Website
www.frostbank.com →
Parent Holding Company
CULLEN/FROST BANKERS, INC. (RSSD 1102367)
Assets
$52.8B
Deposits
$43.2B
Loans
$22.4B
Equity
$4.5B

Profitability

Return on Assets1.31%
Return on Equity15.35%
Net Interest Margin3.68%
Yield on Earning Assets4.78%
Cost of Funds1.15%

Asset Quality

Non-Performing Loan Ratio0.32%
Net Charge-Off Ratio0.11%
Texas Ratio2.16%
Non-Performing Asset Ratio0.14%
ACL / Loans1.28%

Capital & Liquidity

CET1 Capital Ratio14.43%
Tier 1 Capital Ratio14.43%
Total Capital Ratio15.44%
Tier 1 Leverage Ratio9.07%
Loan-to-Deposit Ratio51.88%

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This is just Frost Bank's summary.

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Watch flags

Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.

Uninsured deposits at 51.3% of total — meaningful run-risk exposureWhat does this mean? →

More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.

Frost Bank rankings

How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.

Largest US Banks by Assets
#52of 4,552
52769892.00 · 99th pct
US Banks with Highest Return on Assets (ROA)
#1,638of 3,912
1.31% · 58th pct
US Banks with Highest CET1 Capital Ratio
#1,145of 2,425
14.43% · 53th pct
US Banks with Highest Texas Ratio
#2,575of 3,908
2.16% · 34th pct
US Banks with Highest Share of Uninsured Deposits
#94of 1,072
51.34% · 91th pct
Most Efficient US Banks (Lowest Efficiency Ratio)
#2,004of 3,911
62.41% · 49th pct

Quarterly trend — last 6 quarters

Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.

QuarterCET1ROANPLTexasNIM
2026-03-3114.43%1.31%0.32%2.16%3.68%
2025-12-3114.33%1.24%0.33%2.32%3.65%
2025-09-3014.35%1.33%0.22%1.48%3.67%
2025-06-3014.03%1.23%0.31%3.15%3.62%
2025-03-3113.95%1.18%0.42%2.91%3.52%
2024-12-3113.76%1.20%0.68%5.02%3.50%

Branch Network

Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.

…
BranchLocationZIPDeposits
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Events & Regulatory History

Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.

  1. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  2. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  3. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  4. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  5. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  6. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  7. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  8. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  9. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  10. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  11. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  12. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  13. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  14. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  15. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  16. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  17. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  18. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  19. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  20. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  21. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  22. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  23. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  24. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  25. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  26. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  27. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  28. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  29. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  30. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  31. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  32. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  33. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  34. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  35. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  36. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  37. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  38. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  39. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  40. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  41. Structure Change
    Failure, Government Assistance Provided
    FFIEC NIC
  42. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  43. Structure Change
    Failure, Government Assistance Provided
    FFIEC NIC
  44. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  45. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  46. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC

Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 46 events.

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Frequently asked about Frost Bank

What are Frost Bank's total assets?

As of the Q1 2026 filing, Frost Bank reported total assets of $52.77 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.

Where is Frost Bank headquartered?

Frost Bank is headquartered in SAN ANTONIO, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.

When was Frost Bank founded?

Frost Bank was established in 1899, per the FDIC institution directory.

Is Frost Bank FDIC-insured?

Yes. Frost Bank is an FDIC-insured commercial bank (FDIC Certificate #5510). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.

Who regulates Frost Bank?

Frost Bank's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.

What is Frost Bank's CET1 capital ratio?

Frost Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.43% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.

How many branches does Frost Bank operate?

Frost Bank operates 219 domestic branches, per the most recent FDIC Summary of Deposits filing.

What is Frost Bank's Texas Ratio?

Frost Bank's Texas Ratio is 2.16% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.

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