Frost Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) climbed 4.80 percentage points in Q2 2026, from 121.05% to 125.85%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Frost Bank is 270th of 346 on loan-to-deposit ratio, 52.63% as of Q2 2026. Frost Bank reported 52.63% on loan-to-deposit ratio for Q2 2026, 34.24 points below the 86.87% median for banks in the $10B-100B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $22.98B |
| Net loans and leases | $22.70B |
| Loans held for sale | $9.4M |
| Loans to total assets | 42.60% |
| Loan-to-deposit ratio | 52.63% |
| Net loans to equity capital | 4.87% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.75% |
| Multifamily (5+ residential) | 1.04% |
| Commercial and industrial | 24.77% |
| Consumer | 1.92% |
| Credit cards | 0.00% |
| Farm | 0.53% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.15% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 125.85% |
| Construction concentration (Tier 1 capital + allowance) | 53.61% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.16% |
| Interest income on loans | $342.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $18.40B | $41.39B | 33.72% | 31.83% | 2.45% |
| Q4 2023 | $18.83B | $42.41B | 33.64% | 31.16% | 2.47% |
| Q1 2024 | $19.39B | $41.25B | 33.71% | 30.98% | 2.31% |
| Q2 2024 | $20.00B | $40.75B | 32.80% | 31.00% | 2.20% |
| Q3 2024 | $20.05B | $42.17B | 32.86% | 29.27% | 2.22% |
| Q4 2024 | $20.75B | $43.14B | 32.21% | 29.54% | 2.08% |
| Q1 2025 | $20.90B | $42.86B | 31.86% | 29.13% | 1.97% |
| Q2 2025 | $21.25B | $42.17B | 32.44% | 27.24% | 1.99% |
| Q3 2025 | $21.45B | $42.94B | 32.05% | 26.94% | 2.06% |
| Q4 2025 | $21.89B | $43.33B | 33.06% | 25.38% | 2.05% |
| Q1 2026 | $22.43B | $43.24B | 33.21% | 25.59% | 1.95% |
| Q2 2026 | $22.98B | $43.67B | 33.75% | 24.77% | 1.92% |
Frost Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Frost Bank, freeSource: Call Report Schedule RC-C, 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)