Bank Safety Analysis
Is Frost Bank Safe?
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Frost Bank passes all 5 scorecard dimensions, but not every risk screen below is clear. 1 risk screen is flagged: uninsured deposit share. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in nonperforming loan ratio (nonaccrual plus 90+ days past due): 0.41 percentage points higher than in Q1 2026, at 0.73%. Within Texas, Frost Bank is 134th of 184 on CET1 ratio, 14.42% as of Q2 2026. Frost Bank reported 14.42% on CET1 ratio for Q2 2026, 1.46 points above the 12.96% median for banks in the $10B-100B asset tier. From Q3 2023 to Q2 2026, Frost Bank's CET1 ratio ranged between 13.33% (Q4 2023) and 14.43% (Q1 2026) and its Texas ratio ranged between 1.23% (Q3 2025) and 3.34% (Q1 2024). Between Q2 2025 and Q2 2026, Frost Bank's CET1 ratio rose from 14.03% to 14.42%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.31% to 0.73%, Texas ratio fell from 2.85% to 2.81% and return on assets rose from 1.23% to 1.31%.
Data as of · sourced from FFIEC call reports. How we update
This bank has more than $10 billion in assets. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. The page therefore shows no score or tier for it. See the model evidence and limits.
Scorecard by dimension
Peer cohort: banks with $10B to $100B in assets (136 banks) · Industry averages as of Q2 2026.
CET1 of 14.42% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 9.08% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.73% are within industry-normal range.
Texas Ratio of 2.8% is well below the 100% historical failure threshold.
Efficiency ratio of 59.8% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 14.42% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 2.81% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.73% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | 52.16% | Watch at 50%, concern at 70% | Flagged |
| Loan-to-deposit ratio BankRegReports band | 52.63% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 125.85% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 2.90% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 14.42% |
| Q1 2026 | 14.43% |
| Q4 2025 | 14.33% |
| Q3 2025 | 14.35% |
| Q2 2025 | 14.03% |
| Q1 2025 | 13.95% |
| Q4 2024 | 13.76% |
| Q3 2024 | 13.78% |
| Q2 2024 | 13.56% |
| Q1 2024 | 13.57% |
| Q4 2023 | 13.33% |
| Q3 2023 | 13.46% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 2.81% |
| Q1 2026 | 1.96% |
| Q4 2025 | 2.08% |
| Q3 2025 | 1.23% |
| Q2 2025 | 2.85% |
| Q1 2025 | 2.61% |
| Q4 2024 | 3.08% |
| Q3 2024 | 3.05% |
| Q2 2024 | 2.66% |
| Q1 2024 | 3.34% |
| Q4 2023 | 2.23% |
| Q3 2023 | 3.18% |
Frost Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 14.42% | 0.73% | 2.81% | 1.31% |
| Mar 31, 2026 | 14.43% | 0.32% | 1.96% | 1.31% |
| Dec 31, 2025 | 14.33% | 0.33% | 2.08% | 1.24% |
| Sep 30, 2025 | 14.35% | 0.22% | 1.23% | 1.33% |
| Jun 30, 2025 | 14.03% | 0.31% | 2.85% | 1.23% |
| Mar 31, 2025 | 13.95% | 0.42% | 2.61% | 1.18% |
| Dec 31, 2024 | 13.76% | 0.68% | 3.08% | 1.20% |
| Sep 30, 2024 | 13.78% | 0.66% | 3.05% | 1.19% |
| Jun 30, 2024 | 13.56% | 0.51% | 2.66% | 1.19% |
| Mar 31, 2024 | 13.57% | 0.52% | 3.34% | 1.09% |
| Dec 31, 2023 | 13.33% | 0.33% | 2.23% | 0.84% |
| Sep 30, 2023 | 13.46% | 0.38% | 3.18% | 1.24% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Frost Bank FDIC insured?
Yes. Frost Bank is an FDIC-insured commercial bank (FDIC Certificate #5510). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is Frost Bank well capitalized?
Yes. Frost Bank reports a CET1 Ratio of 14.42%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the Federal Reserve, applies under Prompt Corrective Action.
What is Frost Bank's nonperforming loan ratio?
As of the most recent call report, Frost Bank's nonperforming loan ratio is 0.73%. Nonperforming loans at 0.73% are within industry-normal range.
What is Frost Bank's Texas Ratio?
Frost Bank's Texas Ratio is 2.81%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 5510) · FFIEC NIC profile (RSSD 682563)
Explore: Full Frost Bank profile · Other banks in TX · Metric glossary · How the call report works