Frost Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 226.38 percentage points lower than in Q1 2026, at 169.22%. Within Texas, Frost Bank is 206th of 345 on return on assets, 1.31% as of Q2 2026. At 1.31%, Frost Bank's return on assets is close to the 1.29% median for banks in the $10B-100B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.42% |
| Tier 1 risk-based capital ratio | 14.42% |
| Total risk-based capital ratio | 15.42% |
| Tier 1 leverage ratio | 9.08% |
| Equity capital to assets | 8.64% |
| Tangible equity to tangible assets | 7.45% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.73% |
| Non-performing assets ratio | 0.31% |
| Net charge-off ratio | 0.17% |
| Texas ratio | 2.81% |
| Allowance for credit losses to loans | 1.23% |
| Reserve coverage of non-performing loans | 169.22% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.31% |
| Return on equity | 15.33% |
| Net interest margin | 3.71% |
| Efficiency ratio | 59.81% |
| Yield on earning assets | 4.86% |
| Cost of funds | 1.21% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 52.63% |
| Core deposits to total deposits | 89.80% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.94% |
| Securities to assets | 39.73% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.46% | 13.46% | 14.33% | 7.96% | 1.24% |
| Q4 2023 | 13.33% | 13.33% | 14.20% | 8.10% | 0.84% |
| Q1 2024 | 13.57% | 13.57% | 14.51% | 8.24% | 1.09% |
| Q2 2024 | 13.56% | 13.56% | 14.50% | 8.46% | 1.19% |
| Q3 2024 | 13.78% | 13.78% | 14.75% | 8.63% | 1.19% |
| Q4 2024 | 13.76% | 13.76% | 14.72% | 8.44% | 1.20% |
| Q1 2025 | 13.95% | 13.95% | 14.97% | 8.61% | 1.18% |
| Q2 2025 | 14.03% | 14.03% | 15.04% | 8.72% | 1.23% |
| Q3 2025 | 14.35% | 14.35% | 15.36% | 8.84% | 1.33% |
| Q4 2025 | 14.33% | 14.33% | 15.34% | 8.69% | 1.24% |
| Q1 2026 | 14.43% | 14.43% | 15.44% | 9.07% | 1.31% |
| Q2 2026 | 14.42% | 14.42% | 15.42% | 9.08% | 1.31% |
Frost Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Frost Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)