Frost Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Frost Bank of San Antonio, TX against its peer group of 136 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.31% | 1.34% | -0.03% | 49th below |
| ROAE | 15.33% | 12.25% | +3.08% | 79th top |
| Net Interest Margin | 3.71% | 3.68% | +0.03% | 56th above |
| Efficiency Ratio | 59.81% | 53.86% | +5.95% | 24th bottom |
| PPNR / Avg Assets | 1.64% | — | — | 35th below |
| Yield on Earning Assets | 4.86% | 5.58% | -0.72% | 19th bottom |
| Cost of Funds | 1.21% | 1.99% | -0.78% | 89th top |
| Net Interest Spread | 3.12% | — | — | 63rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.73% | 1.05% | -0.32% | 60th above |
| NPA / Total Assets | 0.31% | — | — | 82nd top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.17% | 0.36% | -0.19% | 41st below |
| ACL / Total Loans | 1.23% | — | — | 61st above |
| ACL / NPLs (Coverage) | 169.22% | — | — | 61st above |
| Texas Ratio | 2.81% | 5.43% | -2.62% | 72nd above |
| Provision / NCO | 114.52% | — | — | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.42% | 14.50% | -0.08% | 71st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.42% | 14.60% | -0.18% | 71st above |
| Total Capital Ratio | 15.42% | — | — | 70th above |
| Leverage Ratio | 9.08% | 10.26% | -1.18% | 17th bottom |
| Equity / Assets | 8.64% | 11.55% | -2.91% | 13th bottom |
| TCE / Tangible Assets | 7.45% | — | — | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 52.63% | 83.97% | -31.34% | 95th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 89.80% | 86.78% | +3.02% | 46th below |
| Uninsured Deposit Ratio | 52.16% | 38.93% | +13.23% | 13th bottom |
| Wholesale Funding Ratio | 9.10% | — | — | 19th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.78% | — | — | 42nd below |
| Loan Growth (Y/Y) | 8.14% | — | — | 60th above |
| Deposit Growth (Y/Y) | 3.55% | — | — | 38th below |
See Frost Bank's peers by name
The 136 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Frost Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Frost Bank profile, how to read a UBPR, or how this data updates.