Frost Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Total equity capital rose 3.0% in Q2 2026 to $4.66B, the biggest move on this page. Within Texas, Frost Bank is 134th of 184 on CET1 ratio, 14.42% as of Q2 2026. The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. Frost Bank sits 1.46 points higher, at 14.42% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.42% |
| Tier 1 risk-based capital ratio | 14.42% |
| Total risk-based capital ratio | 15.42% |
| Tier 1 leverage ratio | 9.08% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $4.82B |
| Tier 1 capital | $4.82B |
| Total risk-based capital | $5.15B |
| Total equity capital | $4.66B |
| Risk-weighted assets | $33.43B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.64% |
| Tangible equity to tangible assets | 7.45% |
| Equity capital to average assets | 8.66% |
| Internal capital growth rate | 5.56% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $8.5M |
| Common stock surplus | $1.17B |
| Retained earnings | $4.34B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$851.7M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.46% | 13.46% | 14.33% | 7.96% | $29.82B |
| Q4 2023 | 13.33% | 13.33% | 14.20% | 8.10% | $30.43B |
| Q1 2024 | 13.57% | 13.57% | 14.51% | 8.24% | $30.55B |
| Q2 2024 | 13.56% | 13.56% | 14.50% | 8.46% | $31.17B |
| Q3 2024 | 13.78% | 13.78% | 14.75% | 8.63% | $31.24B |
| Q4 2024 | 13.76% | 13.76% | 14.72% | 8.44% | $31.88B |
| Q1 2025 | 13.95% | 13.95% | 14.97% | 8.61% | $31.91B |
| Q2 2025 | 14.03% | 14.03% | 15.04% | 8.72% | $32.34B |
| Q3 2025 | 14.35% | 14.35% | 15.36% | 8.84% | $32.30B |
| Q4 2025 | 14.33% | 14.33% | 15.34% | 8.69% | $32.72B |
| Q1 2026 | 14.43% | 14.43% | 15.44% | 9.07% | $32.96B |
| Q2 2026 | 14.42% | 14.42% | 15.42% | 9.08% | $33.43B |
Frost Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Frost Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Frost Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5510) · FFIEC NIC profile (RSSD 682563)