Frost Bank
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Data as of · sourced from FFIEC call reports. How we update
Frost Bank is an FDIC-insured commercial bank headquartered in San Antonio, TX, established in 1899 (FDIC certificate 5510), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $53.95B, up 4.8% from Q2 2025, the 2nd largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 14.42% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 5510
- Headquarters
- San Antonio, TX
- Established
- 1899
- Total assets, Q2 2026
- $53.95B
- Assets vs Q2 2025
- +4.8%
- CET1 ratio, Q2 2026
- 14.42%
- Domestic offices
- 222 FDIC institution directory, current count
- Routing number
- 114000093
- Latest call report
- Q2 2026, FFIEC 041 · Frost Bank call report
- Holding company
- CULLEN/FROST BANKERS, INC.
- Asset rank in state
- 2nd of 346 in Texas
Frost Bank is the 47th-largest bank in the United States, with $54.0 billion in assets at June 30, 2026, up 4.8% from a year earlier. It is headquartered in San Antonio, Texas, and operates 222 domestic branches. It pays an average of 1.21% on its deposits and borrowings, lower than about three-quarters of the 124 banks with $10 billion to $100 billion in assets (median 1.91%). On the other hand, it funds 9.08% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.25%).
Loans are outrunning deposits: over the year loans rose 8.1% and deposits rose 3.5%. Paper losses on its bond portfolio are shrinking: unrealized losses of $1.2 billion equal 25% of Tier 1 capital, down from 37% a year earlier. Costs are the weak spot: it spends about 60 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 53 cents).
As of June 30, 2026, Frost Bank reported a CET1 capital ratio of 14.42%, a return on assets of 1.31%, a nonperforming-loan ratio of 0.55% and a Texas ratio of 2.81%. The figures come from its call report filed with the FFIEC.
Frost Bank ranks as the 2nd largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.2% to $53.95B, loans rose 2.5% and deposits rose 1.0%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 24.8% of total loans, ahead of owner-occupied commercial real estate loans at 19.0%. By the capital ratios in its Q2 2026 call report, Frost Bank meets every capital ratio test for well capitalized.
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
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- February 20, 1899
- Former names
- The Frost National Bank (1993-2012)
- Domestic offices
- 222 FDIC institution directory, current count
- Employees (FTE)
- 6,103
- Domestic deposits
- $43.67B
- Allowance for credit losses
- $283.7M
- Net charge-offs (YTD)
- $15.3M
- Average total assets
- $53.80B
- Average total loans
- $22.30B
- Average interest-bearing deposits
- $28.59B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5510
- Fed RSSD
- 682563
- SEC CIK
- 39263 → filed by CULLEN/FROST BANKERS, INC.
- Website
- www.frostbank.com →
- Parent Holding Company
- CULLEN/FROST BANKERS, INC. (RSSD 1102367) · CFR
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Phillip D Green | CEO | Chairman and CEO |
| Paul Bracher | PRES | President of CFR |
| Dan Geddes | CFO | GEVP & Chief Financial Officer |
| Severyn Carol Jean | CRO | GEVP and Chief Risk Officer |
| Coolidge E Rhodes Jr | GC | Group EVP General Counsel/Sec |
| Howard L. Kasanoff | CCO | GEVP Chief Credit Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Frost Bank's total assets moved between a low of $48.80B (Q3 2023) and a high of $53.95B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$53.95B total assets against $51.49B; $49.29B total liabilities against $47.40B.
$22.70B net loans and leases against $20.98B; $43.67B total deposits against $42.17B.
$21.43B securities against $20.06B; $6.48B cash and balances due against $7.12B.
$595.8M total interest income against $602.7M; $144.1M total interest expense against $169.2M.
$451.6M net interest income against $433.5M.
$127.3M total noninterest income against $116.6M; $359.0M total noninterest expense against $344.1M.
$9.8M provision for credit losses against $13.1M.
$175.9M net income against $161.4M.
1.31% return on assets against 1.23%; 3.71% net interest margin against 3.62%.
14.42% CET1 capital ratio against 14.03%; 9.08% tier 1 leverage ratio against 8.72%.
Inside the full Frost Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Frost Bank rankings
Its closest position to the top of a national ranking is 47 of 4,196, for total assets; its furthest is 1,917 of 3,640, for Texas Ratio.
Metric pages for Frost Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.18% (Q1 2025) to 1.33% (Q3 2025) and its net interest margin ran from 3.50% (Q4 2024) to 3.71% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.42% | 1.31% | 0.55% | 2.81% | 3.71% |
| Q1 2026 | 14.43% | 1.31% | 0.39% | 1.96% | 3.68% |
| Q4 2025 | 14.33% | 1.24% | 0.42% | 2.08% | 3.65% |
| Q3 2025 | 14.35% | 1.33% | 0.26% | 1.23% | 3.67% |
| Q2 2025 | 14.03% | 1.23% | 0.52% | 2.85% | 3.62% |
| Q1 2025 | 13.95% | 1.18% | 0.47% | 2.61% | 3.52% |
| Q4 2024 | 13.76% | 1.20% | 0.46% | 3.08% | 3.50% |
| Q3 2024 | 13.78% | 1.19% | 0.56% | 3.05% | 3.52% |
Swipe the table sideways to see every column.
Branch Network
View all 222 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Frost Bank (main office) | San Antonio , TX | 78205 | $4.62B |
| Downtown Fort Worth Branch | Fort Worth , TX | 76102 | $2.20B |
| Frost Tower Branch | Austin , TX | 78701 | $1.27B |
| Post Oak Branch | Houston , TX | 77056 | $1.23B |
| Uptown Dallas Branch | Dallas , TX | 75201 | $1.19B |
| Midland Tower Branch | Midland , TX | 79701 | $1.12B |
| North Frost Branch | San Antonio , TX | 78209 | $922.6M |
| Northwest Hills Branch | Austin , TX | 78731 | $813.4M |
| Alamo Heights Branch | San Antonio , TX | 78209 | $811.5M |
| Boerne Branch | Boerne , TX | 78006 | $790.0M |
| New Braunfels Branch | New Braunfels , TX | 78130 | $698.5M |
| Downtown Corpus Christi Branch | Corpus Christi , TX | 78401 | $533.1M |
| Rice Village Branch | Houston , TX | 77005 | $531.0M |
| Matlock | Arlington , TX | 76015 | $522.7M |
| Mcallen North Branch | Mcallen , TX | 78504 | $513.4M |
| Park North Branch | San Antonio , TX | 78216 | $510.9M |
| Citizens Branch | San Antonio , TX | 78229 | $497.3M |
| Mansfield Branch | Mansfield , TX | 76063 | $458.3M |
| Colonnade Branch | San Antonio , TX | 78230 | $429.6M |
| Ridglea Branch | Fort Worth , TX | 76116 | $418.6M |
| Keller Branch | Keller , TX | 76248 | $417.1M |
| Westlake Hills Branch | Austin , TX | 78746 | $401.2M |
| Greenway Plaza | Houston , TX | 77046 | $392.6M |
| Fair Oaks Branch | Fair Oaks Ranch , TX | 78015 | $382.5M |
| 281 North Branch | San Antonio , TX | 78232 | $369.4M |
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.
| Date | Category | Event | Source |
|---|---|---|---|
| June 21, 2014 | M&A | Acquired Western National Bank merger for the acquired bank | SEC |
| June 21, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 21, 2014 | Structure Change | Acquired Western National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 9, 2006 | M&A | Acquired Summit Bank, National Association merger for the acquired bank | SEC |
| December 9, 2006 | Structure Change | Acquired Summit Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 8, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 24, 2006 | M&A | Acquired Alamo Bank of Texas merger for the acquired bank | SEC |
| June 24, 2006 | Structure Change | Acquired Alamo Bank of Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 23, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 10, 2006 | M&A | Acquired Texas Community Bank and Trust, National Association merger for the acquired bank | SEC |
| February 10, 2006 | Structure Change | Acquired Texas Community Bank and Trust, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 9, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 8, 2005 | M&A | Acquired Horizon Capital Bank merger for the acquired bank | SEC |
| October 8, 2005 | Structure Change | Acquired Horizon Capital Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 7, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 26, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 6, 2000 | M&A | Acquired United States National Bank of Galveston merger for the acquired bank | SEC |
| May 6, 2000 | Structure Change | Acquired United States National Bank of Galveston Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 21, 1999 | M&A | Acquired Bank of Commerce merger for the acquired bank | SEC |
| May 21, 1999 | Structure Change | Acquired Bank of Commerce Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 20, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 15, 1999 | Structure Change | Acquired Keller State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 15, 1999 | M&A | Acquired Keller State Bank merger for the acquired bank | SEC |
| January 14, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 30, 1998 | M&A | Acquired Overton Bank and Trust, National Association merger for the acquired bank | SEC |
| May 30, 1998 | Structure Change | Acquired Overton Bank and Trust, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 29, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 3, 1998 | M&A | Acquired Harrisburg Bank, Houston, Texas merger for the acquired bank | SEC |
| January 3, 1998 | Structure Change | Acquired Harrisburg Bank, Houston, Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 2, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 7, 1997 | M&A | Acquired Citizens State Bank of Corpus Christi merger for the acquired bank | SEC |
| March 7, 1997 | Structure Change | Acquired Citizens State Bank of Corpus Christi Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 7, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 7, 1996 | M&A | Acquired Park National Bank of Houston merger for the acquired bank | SEC |
| June 7, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 7, 1996 | Structure Change | Acquired Park National Bank of Houston Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 22, 1996 | M&A | Acquired State Bank and Trust Company merger for the acquired bank | SEC |
| March 22, 1996 | Structure Change | Acquired State Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 22, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 23, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 23, 1995 | Structure Change | Acquired The Valley National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 23, 1995 | M&A | Acquired The Valley National Bank merger for the acquired bank | SEC |
| May 19, 1995 | M&A | Acquired National Commerce Bank merger for the acquired bank | SEC |
| May 19, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 19, 1995 | Structure Change | Acquired National Commerce Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 15, 1994 | M&A | Acquired Texas Commerce Bank - Corpus Christi, National Association merger for the acquired bank | SEC |
| April 15, 1994 | Structure Change | Acquired Texas Commerce Bank - Corpus Christi, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 14, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 5, 1993 | M&A | Acquired Cullen Center Bank & Trust merger for the acquired bank | SEC |
| November 5, 1993 | Structure Change | Acquired Cullen Center Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 50 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC); 7 against individuals associated with it
- February 24, 2005, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): The Frost National Bank
- February 24, 2005, OCC: Civil Money Penalty (CMP): The Frost National Bank
- April 16, 1991, OCC: Formal Agreement: Frost National Bank of San Antonio, The
- Period: Most recent institution action February 24, 2005. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.8% of deposits in TX, rank 6 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 12,484 applications, 6,118 loans originated, $1.38B originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 81 loans, $50.4M approved, $622K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 159 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Frost Bank
What are Frost Bank's total assets?
As of the Q2 2026 filing, Frost Bank reported total assets of $53.95 billion in its FFIEC call report.
Where is Frost Bank headquartered?
It is headquartered in San Antonio, TX, United States.
When was Frost Bank founded?
It was established in 1899, per the FDIC institution directory.
Is Frost Bank FDIC-insured?
Yes. It 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 Federal Reserve.
What is Frost Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.42% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Frost Bank operate?
It operates 222 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Frost Bank's Texas Ratio?
Its Texas Ratio is 2.81% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Frost Bank previously called?
The charter now named Frost Bank has also operated as The Frost National Bank (1993-2012), per FDIC structure-change records.
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