Bank call report · San Antonio, TX
Frost Bank Call Report
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Frost Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 636 reported line items, schedule by schedule (907 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 682563 |
| FDIC certificate number | 5510 |
| Total assets | $53.95B |
Official Q2 2026 call report PDF (FFIEC) →
Frost Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (32 items)
About Schedule RC · Frost Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $53.95B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $53.95B |
| Total Liabilities and Minority Interest | RCON2948 | $49.29B |
| Total Deposits | RCON2200 | $43.67B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $28.75B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $22.98B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $22.69B |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $18.05B |
| Deposits: Noninterest-bearing | RCON6631 | $14.92B |
| Interest-bearing Balances | RCON0071 | $5.77B |
| Securities Sold Under Agreements to Repurchase | RCONB995 | $4.89B |
| Total Equity Capital | RCON3210 | $4.66B |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $4.66B |
| Undivided Profits and Capital Reserves | RCON3632 | $4.34B |
| Held-to-maturity Securities, Total | RCON1754 | $3.39B |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $3.39B |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $1.37B |
| Surplus | RCON3839 | $1.17B |
| Other Assets | RCON2160 | $1.12B |
| Accumulated Other Comprehensive Income | RCONB530 | -$851.7M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $712.4M |
| Intangible Assets | RCON2143 | $689.1M |
| Goodwill | RCON3163 | $652.7M |
| Other Liabilities, Total | RCON2930 | $594.1M |
| Allowance for Loan and Lease Losses | RCON3123 | $283.7M |
| Trading Assets, Total | RCON3545 | $156.3M |
| Trading Liabilities, Total | RCON3548 | $115.0M |
| Federal Funds Purchased in Domestic Offices | RCONB993 | $25.5M |
| Loans and Leases Held for Sale | RCON5369 | $9.4M |
| Common Stock | RCON3230 | $8.5M |
| Other Real Estate Owned | RCON2150 | $806K |
| Federal Funds Sold | RCONB987 | $125K |
Schedule RI: Income Statement (54 items)
About Schedule RI · Frost Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $1.17B |
| Net Interest Income | RIAD4074 | $893.7M |
| Total Noninterest Expense | RIAD4093 | $723.1M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $673.5M |
| Salaries and Employee Benefits | RIAD4135 | $422.6M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $417.0M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $417.0M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $349.9M |
| Net Income (Loss) | RIAD4340 | $349.9M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $349.9M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $314.7M |
| Total Interest Expense | RIAD4073 | $280.7M |
| Total Noninterest Income | RIAD4079 | $262.9M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $214.7M |
| Other Noninterest Expense | RIAD4092 | $201.5M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $196.7M |
| Interest on Other Securities | RIAD4060 | $139.6M |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $131.9M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $115.1M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $114.9M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $107.2M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $95.9M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $69.3M |
| Applicable Income Taxes | RIAD4302 | $67.1M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $60.8M |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $57.9M |
| Other Noninterest Income | RIADB497 | $44.6M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $37.7M |
| Income from Other Insurance and Reinsurance Activities | RIADC387 | $36.3M |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $35.7M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $32.4M |
| Investment Banking, Advisory, and Underwriting Fees and Commissions | RIADC888 | $27.5M |
| Service Charges on Deposits in Domestic Office Overdraft Related for Individuals | RIADH032 | $21.6M |
| Interest Expense Incurred to Carry Tax-exempt Securities, Loans, and Leases Acquired After August 7, 1986, That Is Not Deductible for Federal Income Tax Purposes | RIAD4513 | $21.5M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $20.2M |
| Provision for Loan and Lease Losses | RIAD4230 | $17.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $16.6M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $16.5M |
| Trading Revenue | RIADA220 | $11.0M |
| Income from Lease Financing Receivables | RIAD4065 | $10.7M |
| Fees and Commissions from Securities Brokerage | RIADC886 | $9.7M |
| Income from the Sale and Servicing of Mutual Funds and Annuities (in Domestic Offices) | RIAD8431 | $7.1M |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $6.5M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $6.1M |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $3.1M |
| Service Charges on Deposits in Domestic Office Maintenance for Individuals | RIADH033 | $2.4M |
| Fees and Commissions from Annuity Sales | RIADC887 | $2.0M |
| Service Charges on Deposits in Domestic Office Atm-related for Individuals | RIADH034 | $1.2M |
| Other Interest Income | RIAD4518 | $951K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $435K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | -$225K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $166K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $90K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 6,103 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $6.48B |
| Balances Due from Federal Reserve Banks | RCON0090 | $5.74B |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $495.8M |
| Currency and Coin | RCON0080 | $191.0M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $32.4M |
| Balances Due from Banks in Foreign Countries and Foreign Central Banks | RCON0070 | $19.1M |
Schedule RC-B: Securities (47 items)
About Schedule RC-B · Frost Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $4.54B |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $4.55B |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Held-to-maturity Amortized Cost | RCONG300 | $222.9M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Held-to-maturity Fair Value | RCONG301 | $222.3M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $6.01B |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $5.26B |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Amortized Cost | RCONG304 | $350.7M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Fair Value | RCONG305 | $349.7M |
| Structured Financial Products by Underlying Collateral or Reference Assets: 1-4 Family Residential MBS Issued or Guaranteed by U.S. Government-sponsored Enterprises (Gses) - Available-for-sale Amortized Cost | RCONG362 | $9.4M |
| Structured Financial Products by Underlying Collateral or Reference Assets: 1-4 Family Residential MBS Issued or Guaranteed by U.S. Government-sponsored Enterprises (Gses) - Held-to-maturity Amortized Cost | RCONG360 | $504.9M |
| Structured Financial Products by Underlying Collateral or Reference Assets: 1-4 Family Residential MBS Issued or Guaranteed by U.S. Government-sponsored Enterprises (Gses) - Held-to-maturity Fair Value | RCONG361 | $472.0M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $19.10B |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $10.34B |
| Pledged Securities | RCON0416 | $9.10B |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $5.60B |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $5.47B |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $5.30B |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $3.25B |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $3.08B |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $2.93B |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $2.31B |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $2.21B |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $1.69B |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $1.58B |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $1.34B |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $1.10B |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $819.8M |
| Amortized Cost of Structured Notes | RCON8782 | $514.3M |
| Asset-backed securities and structured financial products, Structured financial products, Held-to-maturity, Amortized Cost | RCONHT58 | $504.9M |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Held-to-maturity: Amortized Cost | RCONPU98 | $504.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $490.1M |
| Fair Value of Structured Notes | RCON8783 | $481.4M |
| Asset-backed securities and structured financial products, Structured financial products, Held-to-maturity, Fair Value | RCONHT59 | $472.0M |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Held-to-maturity: Fair Value | RCONPU99 | $472.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $36.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $9.7M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $9.4M |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Available-for-sale: Amortized Cost | RCONPV00 | $9.4M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $9.4M |
| Guaranteed by U.S. Government Agencies or Sponsored Agencies Included in Schedule Rc-b, Item 5.B - Available-for-sale, Fair Value | RCONPV01 | $9.4M |
| Structured Financial Products by Underlying Collateral or Reference Assets: 1-4 Family Residential MBS Issued or Guaranteed by U.S. Government-sponsored Enterprises (Gses) - Available-for-sale Fair Value | RCONG363 | $9.4M |
| Unallocated portfolio layer fair value hedge basis adjustments | RCONMG95 | -$5.7M |
| Amortized Cost of Held-to-maturity Other Foreign Debt Securities | RCON1742 | $1.5M |
| Fair Value of Held-to-maturity Other Foreign Debt Securities | RCON1743 | $1.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $418K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $264K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $251K |
Schedule RC-C, Part I: Loans and Leases (51 items)
About Schedule RC-C, Part I · Frost Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $22.98B |
| Pledged Loans and Leases | RCONG378 | $20.75B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $13.65B |
| Commercial and Industrial Loans | RCON1766 | $5.69B |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $5.68B |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $4.49B |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $4.37B |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $3.39B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $2.71B |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $2.46B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $2.19B |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $1.55B |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $1.52B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $1.31B |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $1.14B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $1.01B |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions | RCONJ454 | $961.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $847.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $491.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $481.4M |
| Other loans to nondepository financial institutions | RCONPV09 | $343.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $332.2M |
| Loans to business credit intermediaries | RCONPV06 | $314.3M |
| All Other Lease Financing Receivables | RCONF163 | $287.3M |
| Lease Financing Receivables (Net of Unearned Income) | RCON2165 | $287.3M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $277.6M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $275.9M |
| Other Loans | RCONJ464 | $267.9M |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $267.8M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $263.2M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $239.2M |
| Loans to private equity funds | RCONPV07 | $191.8M |
| Real Estate Loans Secured by Farmland | RCON1420 | $121.2M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $95.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $86.6M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $60.0M |
| Loans to consumer credit intermediaries | RCONPV08 | $59.1M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Multifamily (5 or More) Nonresidential Properties | RCONK160 | $54.9M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $54.9M |
| Loans to mortgage credit intermediaries | RCONPV05 | $52.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $44.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $37.7M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $14.5M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $14.1M |
| Commercial and Industrial Loans to Non-u.s. Addressees | RCON1764 | $11.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $10.8M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $1.9M |
| Loans Secured by Real Estate to Non-u.s. Addressees (Domicile) | RCONB837 | $523K |
| Loans to Depository Institutions | RCON1288 | $315K |
| Loans to Depository Institutions and Acceptances of Other Banks: to Commercial Banks in the U.S. | RCONB531 | $315K |
| Loans for purchasing or carrying securities, including margin loans | RCON1545 | $81K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (20 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $846.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $837.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $206.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $147.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $60.8M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $3.4M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $1.4M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $833K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $479K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $301K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 4,485 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 2,480 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 1,889 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 1,869 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 482 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 69 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 7 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 6 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 5 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 5 |
Schedule RC-D: Trading Assets and Liabilities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Revaluation Gains on Interest Rate, Foreign Exchange Rate, and Other Commodity and Equity Contracts | RCON3543 | $117.2M |
| Revaluation Losses on Interest Rate, Foreign Exchange Rate, and Other Commodity and Equity Contracts | RCON3547 | $115.0M |
| Trading Assets - U.S. Treasury Securities | RCON3531 | $38.0M |
| Trading Assets - Securities Issued by States and Political Subdivisions in the U.S. | RCON3533 | $1.1M |
Schedule RC-E: Deposit Liabilities (31 items)
About Schedule RC-E · Frost Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $23.01B |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $21.87B |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $20.66B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $20.52B |
| Total Demand Deposits (See Note Below) | RCON2210 | $14.92B |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $12.26B |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP754 | $6.78B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $6.54B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $5.71B |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $4.45B |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $4.42B |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $4.18B |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $2.06B |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $1.81B |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $1.61B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $1.58B |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $1.55B |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $896.6M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $592.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $454.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $239.7M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $235.2M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $229.4M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $189.9M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $128.1M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $118.8M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $89.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $77.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $35.6M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $23.8M |
| Total Transaction Accounts - Deposits of U.S. Government | RCON2202 | $4.0M |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Assets | RCON2168 | $357.7M |
| Net Deferred Tax Assets | RCON2148 | $267.2M |
| Accrued Interest Receivable | RCONB556 | $255.1M |
| Life Insurance Assets: Separate Account Life Insurance Assets | RCONK202 | $155.8M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $42.6M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $24.8M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $14.4M |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $418.7M |
| Operating lease liabilities | RCONLB56 | $289.5M |
| Other Expenses Accrued and Unpaid | RCON3646 | $83.6M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $50.3M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $41.5M |
Schedule RC-K: Quarterly Averages (19 items)
About Schedule RC-K · Frost Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $53.80B |
| Quarterly Average of Total Loans | RCON3360 | $22.30B |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $13.97B |
| Mortgage-backed Securities | RCONB559 | $10.61B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $10.58B |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $8.12B |
| All Other Securities | RCONB560 | $7.73B |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $5.81B |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $5.65B |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $4.40B |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $4.31B |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $4.09B |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $3.34B |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $2.20B |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $443.8M |
| Lease Financing Receivables (Net of Unearned Income) - Quarterly Average | RCON3484 | $301.9M |
| Quarterly Average of Assets Held in Trading Accounts | RCON3401 | $241.5M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $3.6M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $2.0M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (50 items)
About Schedule RC-L · Frost Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Notional Amounts by Regulatory Capital Treatment: All Other Positions: Sold Protection | RCONG403 | $54.4M |
| Notional Amounts by Regulatory Capital Treatment: All Other Positions: Purchased Protection That Is Not Recognized as a Guarantee for Regulatory Capital Purposes | RCONG405 | $1.7M |
| Notional Amount of Sold Credit Protection: Subinvestment Grade - with Remaining Maturity of Over One Year Through Five Years | RCONG410 | $54.4M |
| Notional Amount of Purchased Credit Protection: Subinvestment Grade - with Remaining Maturity of Over One Year Through Five Years | RCONG416 | $1.7M |
| Over the Counter Derivatives: Net Current Credit Exposure - Banks and Securities Firms | RCONG418 | $27.0M |
| Over the Counter Derivatives: Net Current Credit Exposure - Corporations and All Other Counterparties | RCONG422 | $39.8M |
| Over the Counter Derivatives: Fair Value of Collateral: Cash U.S. Dollar - Banks and Securities Firms | RCONG423 | $15.3M |
| Over the Counter Derivatives: Fair Value of Collateral: U.S. Treasury Securities - Banks and Securities Firms | RCONG433 | $7.3M |
| Over the Counter Derivatives: Fair Value of Collateral: Total Fair Value of Collateral (Sum of Items 16.B.(1) Through (7) - Banks and Securities Firms | RCONG458 | $22.7M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $6.04B |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Trading | RCONA126 | $5.25B |
| Interest Rate Contracts - Notional Value of All Outstanding Interest Rate Swaps | RCON3450 | $5.11B |
| Total Gross Notional Amount of Commodity and Other Derivative Contracts Held for Trading | RCON8724 | $2.30B |
| Other unused commitments: Loans to nondepository financial institutions | RCONPV11 | $2.04B |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $1.71B |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $1.25B |
| Commodity and Other Swaps | RCON8720 | $990.3M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $960.8M |
| Other unused commitments: Loans to private equity funds | RCONPV14 | $859.9M |
| Other unused commitments: Other loans to nondepository financial institutions | RCONPV16 | $787.3M |
| Purchased OTC Commodity and Other OTC Option Contracts | RCON8716 | $655.8M |
| Written OTC Commodity and Other OTC Option Contracts | RCON8712 | $655.8M |
| Interest Rate Swaps Where the Bank Has Agreed to Pay a Fixed Rate | RCONA589 | $500.0M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $500.0M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $370.9M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $332.2M |
| Purchased OTC Interest Rate Option Contracts | RCON8713 | $315.1M |
| Written OTC Interest Rate Option Contracts | RCON8709 | $315.1M |
| Other unused commitments: Loans to business credit intermediaries | RCONPV13 | $274.7M |
| Commercial Real Estate, Construction, and Land Development: Commitments to Fund Loans Not Secured by Real Estate | RCON6550 | $132.5M |
| Other unused commitments: Loans to mortgage credit intermediaries | RCONPV12 | $106.9M |
| Performance Standby Letters of Credit | RCON3821 | $90.4M |
| Credit Card Lines: Other Unused Credit Card Lines | RCONJ456 | $71.4M |
| Unused Commitments - Credit Card Lines | RCON3815 | $71.4M |
| Gross Positive Fair Value of Commodity and Other Derivative Contracts Held for Trading | RCON8736 | $62.3M |
| Gross Negative Fair Value of Commodity and Other Derivative Contracts Held for Trading | RCON8740 | $60.2M |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Trading | RCON8733 | $54.8M |
| Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Trading | RCON8737 | $54.8M |
| Credit Derivatives: Notional Amounts- Other Credit Derivatives-guarantor | RCONC974 | $54.4M |
| Other unused commitments: Loans to depository financial institutions | RCONPV10 | $21.4M |
| Amount of Financial Standby Letters of Credit Conveyed to Others | RCON3820 | $15.8M |
| Other unused commitments: Loans to consumer credit intermediaries | RCONPV15 | $6.6M |
| Commercial and Similar Letters of Credit | RCON3411 | $1.8M |
| Credit Derivatives: Notional Amounts-other Credit Derivatives-beneficiary | RCONC975 | $1.7M |
| Amount of Performance Standby Letters of Credit Conveyed to Others | RCON3822 | $1.5M |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8741 | $410K |
| Foreign Exchange Forward Contracts | RCON8698 | $269K |
| Total Gross Notional Amount of Foreign Exchange Derivative Contracts Held for Trading | RCONA127 | $269K |
| Notional Amount of Credit Derivatives on Which the Reporting Bank Is the Guarantor:gross Negative Fair Value | RCONC220 | $31K |
| Notional Amount of Credit Derivatives on Which the Reporting Bank Is the Beneficiary:gross Negative Fair Value | RCONC222 | $26K |
Schedule RC-M: Memoranda (5 items)
About Schedule RC-M · Frost Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Assets Under the Reporting Bank's Management in Proprietary Mutual Funds and Annuities | RCONB570 | $5.10B |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $449.3M |
| All other intangible assets | RCONJF76 | $36.5M |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $806K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 5 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (45 items)
About Schedule RC-N · Frost Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $152.1M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $112.7M |
| Additions to Nonaccrual Assets | RCONC410 | $79.3M |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $56.2M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Past Due 30 Through 89 Days and Still Accruing | RCON3499 | $54.9M |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $37.3M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $22.2M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $17.9M |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $14.5M |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $13.9M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $12.9M |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Nonaccrual | RCONK038 | $9.5M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $9.4M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $7.5M |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' : Nonaccrual | RCONK041 | $7.1M |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $5.5M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $4.9M |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $4.4M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $4.2M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 90 Days or More and Still Accruing | RCON5399 | $4.1M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $3.2M |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $3.0M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $2.8M |
| Loans and Leases Held for Sale | RCONC226 | $2.6M |
| Loans to Nondepository Financial Institutions Included in Schedule Rc-n, Item 7 - Past Due 30 Through 89 Days and Still Accruing | RCONPV23 | $2.5M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $2.5M |
| Lease Financing Receivables - Nonaccrual | RCON1228 | $2.3M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 90 Days or More and Still Accruing | RCONC239 | $2.1M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $1.5M |
| All Other Loans - Past Due 90 Days or More and Still Accruing | RCON5460 | $1.4M |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Past Due 30 Through 89 Days and Still Accruing | RCONK036 | $1.3M |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Past Due 90 Days or More and Still Accruing | RCONK037 | $1.2M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 90 or More Days Past Due and Still Accruing | RCONF180 | $1.0M |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' Past Due 30 Through 89 Days and Still Accruing | RCONK039 | $1.0M |
| Lease Financing Receivables - Past Due 30-89 Days and Still Accruing | RCON1226 | $1.0M |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' Past Due 90 Days or More and Still Accruing | RCONK040 | $879K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $732K |
| All Other Loans - Nonaccrual | RCON5461 | $394K |
| Loans to Nondepository Financial Institutions Included in Schedule Rc-n, Item 7 - Nonaccrual | RCONPV25 | $394K |
| 1-4 Family Residential Construction Loans: Past Due 31 - 89 Days | RCONF172 | $305K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $257K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $158K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing | RCONK217 | $97K |
| Lease Financing Receivables - Past Due 90 Days or More and Still Accruing | RCON1227 | $48K |
| Loans and Leases Held for Sale-past Due 30 Thru 89 Days and Still Accruing | RCONC240 | $30K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (19 items)
About Schedule RC-O · Frost Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $53.80B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $43.94B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $28.86B |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $22.78B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $14.88B |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $4.76B |
| Nonbrokered Time Deposits of More Than $250,000 in Domestic Offices | RCONK678 | $4.45B |
| Total Unfunded Commitments to Fund Construction, Land Development, and Other Land Loans Secured by Real Estate | RCONK676 | $1.80B |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $156.5M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements) - Commercial and Industrial Loans | RCONN181 | $123.1M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements) - Loans Secured by Multifamily Residential and Nonfarm Nonresidential Properties | RCONN178 | $38.5M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $33.5M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements): Construction, Land Development, and Other Land Loans Secured by Real Estate | RCONN177 | $5.8M |
| Portion of Unfunded Commitments to Fund Construction, Land Development, and Other Land Loans Secured by Real Estate That Are Guarnateed or Insured by the U.S. Government (Including the FDIC) | RCONK677 | $2.0M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 976,181 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 28,527 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 6,618 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 79 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (17 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Trading Derivative Assets - Level 2 Fair Value Measurements | RCONG495 | $117.2M |
| Other Trading Assets - Level 1 Fair Value Measurements | RCONG499 | $38.0M |
| Other Trading Assets - Level 2 Fair Value Measurements | RCONG500 | $1.1M |
| Other Trading Assets - Total Fair Value Reported on Schedule Rc | RCONG497 | $39.2M |
| Trading Derivative Liabilities - Level 2 Fair Value Measurements | RCONG514 | $115.0M |
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $18.20B |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $18.05B |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $15.24B |
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCONG476 | $15.12B |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 1 Fair Value Measurements | RCONG504 | $2.96B |
| Available-for-sale Securities - Level 1 Fair Value Measurements | RCONG475 | $2.93B |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG534 | $115.0M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG531 | $115.0M |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Nontrading Derivative Assets - Level 2 Fair Value Measurements | RCONG544 | $410K |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Nontrading Derivative Assets - Total Fair Value Reported on Schedule Rc | RCONG541 | $410K |
| All Other Assets - Level 2 Fair Value Measurements | RCONG396 | $410K |
| All Other Assets - Total Fair Value Reported on Schedule Rc | RCONG391 | $410K |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Frost Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $33.43B |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (27 items)
About Schedule RC-R, Part I · Frost Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $53.80B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $53.11B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $33.43B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $5.15B |
| Common Equity Tier 1 Capital | RCOAP859 | $4.82B |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $4.82B |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $4.82B |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $4.66B |
| Retained Earnings | RCOAKW00 | $4.34B |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $1.18B |
| Accumulated Other Comprehensive Income | RCOAB530 | -$851.7M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$833.1M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $690.7M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $626.2M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $334.5M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $334.5M |
| Tier 2 Capital Before Deductions | RCOAP870 | $334.5M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $36.5M |
| Less: All Other Deductions from (Additions to) Common Equity Tier 1 Capital Before Threshold-based Deductions | RCOAP850 | $27.9M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | -$18.6M |
| Less:other Deductions from Assets for Leverage Capital Purposes | RCOAB596 | $15K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1542 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1442 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1442 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0908 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0742 |
Schedule RC-R, Part II: Risk-Weighted Assets (104 items)
About Schedule RC-R, Part II · Frost Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $33.43B |
| Total Risk-weighted Assets | RCONG641 | $33.43B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $28.17B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $28.17B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $22.22B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $18.58B |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $18.05B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $17.76B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $17.71B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $17.35B |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $15.17B |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $14.16B |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $10.72B |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $10.37B |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $7.62B |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $6.48B |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $5.93B |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $5.18B |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $4.95B |
| Repo-style Transactions - Credit Equivalent Amount | RCONS516 | $4.89B |
| Repo-style Transactions - Face, Notional, or Other Amount | RCONS515 | $4.89B |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $4.21B |
| Repo-style Transactions - 0 Pct Risk Weight Category | RCONS517 | $3.60B |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $3.54B |
| Total Held-to-maturity Securities | RCOND961 | $3.39B |
| Total All Other Assets | RCOND981 | $3.18B |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCONS583 | $3.03B |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $2.97B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $2.64B |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $2.64B |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $2.53B |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $2.22B |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $2.15B |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $1.68B |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $1.32B |
| Repo-style Transactions - 20 Pct Risk Weight Category | RCONS520 | $1.29B |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$1.06B |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over Five Years | RCONS584 | $1.05B |
| All Other Off- Balance Sheet Liabilities - 20 Pct Risk Weight Category | RCONG621 | $970.9M |
| All Other Off- Balance Sheet Liabilities - Credit Equivalent Amount | RCONG619 | $970.9M |
| All Other Off- Balance Sheet Liabilities - Face, Notional or Other Amount | RCONG618 | $970.9M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $919.9M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Other - Over One Year Through Five Years | RCONS601 | $904.8M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $850.7M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $764.9M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Other - One Year or Less | RCONS600 | $741.3M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $739.5M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$605.0M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $547.2M |
| Notional Principal Amounts of Centrally Cleared Dervative Contracts, Interest Rate - One Year or Less | RCONS603 | $500.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $430.1M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $412.7M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $348.5M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $332.2M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $332.2M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $310.0M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $273.4M |
| Over-the-counter Derivatives - 100 Pct Risk Weight Category | RCONS547 | $259.0M |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $259.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $232.3M |
| Held-to-maturity Securities - 0 Pct Risk Weight Category | RCOND962 | $222.9M |
| Unused Commitments, Original Maturity Exceeding One Year - 20 Pct Risk Weight Category | RCONG627 | $194.1M |
| Held-to-maturity Securities - 50 Pct Risk Weight Category | RCOND964 | $193.5M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $189.8M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $174.9M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $174.9M |
| Total Trading Assets | RCOND976 | $156.3M |
| Trading Assets - 100 Pct Risk Weight Category | RCOND980 | $117.2M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $114.5M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $114.5M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $90.4M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $72.6M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $72.6M |
| Unconditionally Cancellable Commitments | RCONS540 | $71.4M |
| Financial Standby Letters of Credit - 20 Pct Risk Weight Category | RCOND994 | $58.8M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Credit Non--investment Grade Reference Asset - Over One Year Through Five Years | RCONS592 | $56.1M |
| Current Credit Exposure Across All Derivative Contracts Covered by the Regulatory Capital Rules | RCONG642 | $52.5M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $51.3M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $45.2M |
| Unused Commitments, Original Maturity Exceeding One Year - 150 Pct Risk Weight Category | RCONS539 | $42.6M |
| Trading Assets - 0 Pct Risk Weight Category | RCOND977 | $38.0M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $37.2M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $35.3M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 20% | RCONS528 | $17.4M |
| Centrally Cleared Derivatives - Credit Equivalent Amount | RCONS549 | $12.7M |
| Centrally Cleared Derivatives - 100 Pct Risk Weight Category | RCONS556 | $12.3M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 20 Pct Risk Weight Category | RCONG603 | $8.0M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $7.3M |
| Loans and Leases Held for Sale, All Other Exposures - 100 Pct Risk Weight Category | RCONS436 | $6.9M |
| Total Loans and Leases Held for Sale, All Other Exposures | RCONS431 | $6.9M |
| Loans and Leases Held for Sale, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS429 | $2.6M |
| Total Loans and Leases Held for Sale, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS423 | $2.6M |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Face, Notional, or Other Amount | RCONG606 | $1.8M |
| Held-to-maturity Securities - 100 Pct Risk Weight Category | RCOND965 | $1.5M |
| Trading Assets - 20 Pct Risk Weight Category | RCOND978 | $1.1M |
| Held-to-maturity Securities - Adjustment to Totals Reported in Column a | RCONS399 | -$500K |
| Centrally Cleared Derivatives - 2 Pct Risk Weight Category | RCONS551 | $410K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 2 Pct Risk Weight Category | RCONS558 | $410K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - 100 Pct Risk Weight Category | RCONG611 | $353K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Credit Equivalent Amount | RCONG607 | $353K |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Foreign Exchange Rate and Gold - One Year or Less | RCONS585 | $269K |
| Federal Funds Sold in Domestic Offices | RCOND971 | $125K |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $125K |
| Risk-weighted Assets by Risk-weighted Category - 2 Pct Risk Weight Category | RCONS569 | $8K |
Schedule RC-T: Fiduciary and Related Services (40 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Fiduciary Accounts - Managed Assets | RCONB894 | $21.68B |
| Custody and Safekeeping Accounts - Non-managed Assets | RCONB898 | $20.16B |
| Personal Trust and Agency Accounts - Managed Assets | RCONB868 | $9.89B |
| Total Fiduciary Accounts - Non-managed Assets | RCONB895 | $8.39B |
| Investment Management Agency Accounts - Managed Assets | RCONB886 | $8.06B |
| Employee Benefit-defined Contribution - Non-managed Assets | RCONB873 | $3.98B |
| Personal Trust and Agency Accounts - Non-managed | RCONB869 | $3.92B |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Managed Assets | RCONJ255 | $2.37B |
| Other Retirement Accounts - Managed Assets | RCONB880 | $893.0M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Managed Assets | RCONJ259 | $815.5M |
| Other Retirement Accounts - Non-managed Assets | RCONB881 | $407.9M |
| Employee Benefit-defined Contribution - Managed Assets | RCONB872 | $244.3M |
| Employee Benefit-defined Benefit - Managed Assets | RCONB876 | $220.6M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Non-managed Asset | RCONJ260 | $181.5M |
| Income from Fiduciary Activities | RIAD4070 | $70.9M |
| Employee Benefit-defined Benefit - Non-managed Asssets | RCONB877 | $47.0M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Non-managed Assets | RCONJ256 | $35.6M |
| Personal Trust and Agency Accounts | RIADB904 | $33.8M |
| Fiduciary and Related Services Income-investment Management and Investment Advisory Agency Accounts | RIADJ315 | $21.2M |
| Fiduciary and Related Services Income-foundation and Endowment Trust and Agency Accounts | RIADJ316 | $6.5M |
| Other Retirement Accounts | RIADB907 | $3.1M |
| Employee Benefit-defined Contribution | RIADB905 | $3.0M |
| Custody and Safekeeping Accounts | RIADB909 | $2.8M |
| Employee Benefit-defined Benefit | RIADB906 | $370K |
| Total Fiduciary Accounts - Number of Managed Accounts | RCONB896 | 7,043 |
| Personal Trust and Agency Accounts - Number of Managed Accounts | RCONB870 | 2,997 |
| Investment Management Agency Accounts - Number of Managed Accounts | RCONB888 | 2,472 |
| Custody and Safekeeping Accounts - Number of Non-managed Accounts | RCONB899 | 1,454 |
| Other Retirement Accounts - Number of Managed Accounts | RCONB882 | 1,132 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Managed Accounts | RCONJ261 | 1,119 |
| Total Fiduciary Accounts - Non-managed Accounts | RCONB897 | 446 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Managed Accounts | RCONJ257 | 369 |
| Employee Benefit-defined Contribution - Number of Non-managed Accounts | RCONB875 | 368 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Non-managed Accounts | RCONJ262 | 133 |
| Employee Benefit-defined Contribution - Number of Managed Accounts | RCONB874 | 61 |
| Personal Trust and Agency Accounts - Number of Non-managed Accounts | RCONB871 | 57 |
| Employee Benefit-defined Benefit - Number of Managed Accounts | RCONB878 | 12 |
| Other Retirement Accounts - Number of Non-managed Accounts | RCONB883 | 11 |
| Employee Benefit-defined Benefit - Number of Non-managed Accounts | RCONB879 | 8 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Non-managed Accounts | RCONJ258 | 2 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $4.66B |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $4.54B |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $4.54B |
| Cash Dividends Declared on Common Stock | RIAD4460 | $223.0M |
| Other Comprehensive Income | RIADB511 | -$8.7M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (19 items)
About Schedule RI-B, Part I · Frost Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $24.9M |
| Charge-offs on All Other Loans | RIAD4644 | $11.4M |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $9.7M |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $6.1M |
| Recoveries on All Other Loans | RIAD4628 | $5.6M |
| Charge-offs on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC235 | $2.6M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Charge-offs | RIADC895 | $2.0M |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $1.7M |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $1.6M |
| Charge-offs on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5411 | $1.0M |
| Recoveries on Lease Financing Receivables | RIAD4267 | $820K |
| Recoveries on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5412 | $599K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $478K |
| Recoveries on Automobile Loans | RIADK133 | $329K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC218 | $229K |
| Other Construction Loans and All Land Development and Other Land Loans, Charge-offs | RIADC893 | $54K |
| Charge-offs on Automobile Loans | RIADK129 | $51K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $17K |
| Other Construction Loans and All Land Development and Other Land Loans, Recoveries | RIADC894 | $8K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (7 items)
About Schedule RI-B, Part II · Frost Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $283.7M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $281.5M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $24.9M |
| Estimated amount of expected recoveries of amounts previously written off included within the allowance for credit losses on loans and leases held for investment (included in item 7, column A, 'Balance end of current period,' above) | RIADMG94 | $3.6M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$973K |
| Balance end of current period, Held-to-maturity debt securities | RIADJH93 | $500K |
| Balance most recently reported for end of previous calendar year, Report of Condition and Income Held-to-maturity debt securities (i.e., after adjustments from amended Reports of Income) | RIADJH88 | $500K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (14 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $22.98B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $8.27B |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $7.46B |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $4.07B |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $2.72B |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $457.8M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $283.7M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $100.8M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $98.4M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $44.1M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $29.1M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $11.2M |
| Held to Maturity Securities, Securities issued by states and poilitical subdivisions in the US | RCONJJ20 | $500K |
| Held to Maturity Securities, Total | RCONJJ25 | $500K |
Schedule RI-E: Explanations (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Marketing and Other Professional Services | RIAD0497 | $31.0M |
| Second Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4467 | $28.4M |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $22.9M |
| Consulting and Advisory Expense | RIADF557 | $20.9M |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $12.0M |
| Income and Fees from Wire Transfers | RIADT047 | $10.1M |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $3.5M |
Frost Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Frost Bank call report?
The Frost Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Frost Bank file?
Frost Bank files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Frost Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Frost Bank has Federal Reserve RSSD ID 682563 and FDIC certificate number 5510. Either one finds its filings on the FFIEC Central Data Repository.
How often does Frost Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Frost Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 5510) · FFIEC NIC profile (RSSD 682563)