Frost Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Frost Bank is the 47th-largest bank in the United States, with $54.0 billion in assets at June 30, 2026, up 4.8% from a year earlier. It is headquartered in San Antonio, Texas, and operates 223 domestic branches. It pays an average of 1.21% on its deposits and borrowings, lower than about three-quarters of the 127 banks with $10 billion to $100 billion in assets (median 1.92%). On the other hand, it funds 9.08% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.25%).
Loans are outrunning deposits: over the year loans rose 8.1% and deposits rose 3.5%. Paper losses on its bond portfolio are shrinking: unrealized losses of $1.2 billion equal 25% of Tier 1 capital, down from 37% a year earlier. Costs are the weak spot: it spends about 60 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 53 cents).
As of June 30, 2026, Frost Bank reported a CET1 capital ratio of 14.42%, a return on assets of 1.31%, a nonperforming-loan ratio of 0.73% and a Texas ratio of 2.81%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 111 W Houston St, San Antonio, TX 78205
- County
- Bexar
- Metro Area
- San Antonio-New Braunfels, TX
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- February 20, 1899
- Former names
- The Frost National Bank (1993-2012)
- Offices
- 223 domestic
- Employees (FTE)
- 6,103
- Domestic deposits
- $43.67B
- Allowance for credit losses
- $283.7M
- Net charge-offs (YTD)
- $15.3M
- Average total assets
- $53.80B
- Average total loans
- $22.30B
- Average interest-bearing deposits
- $28.59B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5510
- Fed RSSD
- 682563
- SEC CIK
- 39263 → filed by CULLEN/FROST BANKERS, INC.
- Website
- www.frostbank.com →
- Parent Holding Company
- CULLEN/FROST BANKERS, INC. (RSSD 1102367) · CFR
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Phillip D Green | CEO | Chairman and CEO |
| Paul Bracher | PRES | President of CFR |
| Dan Geddes | CFO | GEVP & Chief Financial Officer |
| Severyn Carol Jean | CRO | GEVP and Chief Risk Officer |
| Coolidge E Rhodes Jr | GC | Group EVP General Counsel/Sec |
| Howard L. Kasanoff | CCO | GEVP Chief Credit Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Frost Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Frost Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Frost Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Frost Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.42% | 1.31% | 0.73% | 2.81% | 3.71% |
| Q1 2026 | 14.43% | 1.31% | 0.32% | 1.96% | 3.68% |
| Q4 2025 | 14.33% | 1.24% | 0.33% | 2.08% | 3.65% |
| Q3 2025 | 14.35% | 1.33% | 0.22% | 1.23% | 3.67% |
| Q2 2025 | 14.03% | 1.23% | 0.31% | 2.85% | 3.62% |
| Q1 2025 | 13.95% | 1.18% | 0.42% | 2.61% | 3.52% |
| Q4 2024 | 13.76% | 1.20% | 0.68% | 3.08% | 3.50% |
| Q3 2024 | 13.78% | 1.19% | 0.66% | 3.05% | 3.52% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 222 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Frost Bank (main office) | San Antonio , TX | 78205 | $4.62B |
| Downtown Fort Worth Branch | Fort Worth , TX | 76102 | $2.20B |
| Frost Tower Branch | Austin , TX | 78701 | $1.27B |
| Post Oak Branch | Houston , TX | 77056 | $1.23B |
| Uptown Dallas Branch | Dallas , TX | 75201 | $1.19B |
| Midland Tower Branch | Midland , TX | 79701 | $1.12B |
| North Frost Branch | San Antonio , TX | 78209 | $922.6M |
| Northwest Hills Branch | Austin , TX | 78731 | $813.4M |
| Alamo Heights Branch | San Antonio , TX | 78209 | $811.5M |
| Boerne Branch | Boerne , TX | 78006 | $790.0M |
| New Braunfels Branch | New Braunfels , TX | 78130 | $698.5M |
| Downtown Corpus Christi Branch | Corpus Christi , TX | 78401 | $533.1M |
| Rice Village Branch | Houston , TX | 77005 | $531.0M |
| Matlock | Arlington , TX | 76015 | $522.7M |
| Mcallen North Branch | Mcallen , TX | 78504 | $513.4M |
| Park North Branch | San Antonio , TX | 78216 | $510.9M |
| Citizens Branch | San Antonio , TX | 78229 | $497.3M |
| Mansfield Branch | Mansfield , TX | 76063 | $458.3M |
| Colonnade Branch | San Antonio , TX | 78230 | $429.6M |
| Ridglea Branch | Fort Worth , TX | 76116 | $418.6M |
| Keller Branch | Keller , TX | 76248 | $417.1M |
| Westlake Hills Branch | Austin , TX | 78746 | $401.2M |
| Greenway Plaza | Houston , TX | 77046 | $392.6M |
| Fair Oaks Branch | Fair Oaks Ranch , TX | 78015 | $382.5M |
| 281 North Branch | San Antonio , TX | 78232 | $369.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 21, 2014 | M&A | Acquired Western National Bank merger for the acquired bank | SEC |
| June 21, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 21, 2014 | Structure Change | Acquired Western National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 9, 2006 | M&A | Acquired Summit Bank, National Association merger for the acquired bank | SEC |
| December 9, 2006 | Structure Change | Acquired Summit Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 8, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 24, 2006 | M&A | Acquired Alamo Bank of Texas merger for the acquired bank | SEC |
| June 24, 2006 | Structure Change | Acquired Alamo Bank of Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 23, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 10, 2006 | M&A | Acquired Texas Community Bank and Trust, National Association merger for the acquired bank | SEC |
| February 10, 2006 | Structure Change | Acquired Texas Community Bank and Trust, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 9, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 8, 2005 | M&A | Acquired Horizon Capital Bank merger for the acquired bank | SEC |
| October 8, 2005 | Structure Change | Acquired Horizon Capital Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 7, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 26, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 6, 2000 | M&A | Acquired United States National Bank of Galveston merger for the acquired bank | SEC |
| May 6, 2000 | Structure Change | Acquired United States National Bank of Galveston Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 21, 1999 | M&A | Acquired Bank of Commerce merger for the acquired bank | SEC |
| May 21, 1999 | Structure Change | Acquired Bank of Commerce Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 20, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 15, 1999 | M&A | Acquired Keller State Bank merger for the acquired bank | SEC |
| January 15, 1999 | Structure Change | Acquired Keller State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 14, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 30, 1998 | M&A | Acquired Overton Bank and Trust, National Association merger for the acquired bank | SEC |
| May 30, 1998 | Structure Change | Acquired Overton Bank and Trust, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 29, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 3, 1998 | M&A | Acquired Harrisburg Bank, Houston, Texas merger for the acquired bank | SEC |
| January 3, 1998 | Structure Change | Acquired Harrisburg Bank, Houston, Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 2, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 7, 1997 | M&A | Acquired Citizens State Bank of Corpus Christi merger for the acquired bank | SEC |
| March 7, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 7, 1997 | Structure Change | Acquired Citizens State Bank of Corpus Christi Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 7, 1996 | M&A | Acquired Park National Bank of Houston merger for the acquired bank | SEC |
| June 7, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 7, 1996 | Structure Change | Acquired Park National Bank of Houston Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 22, 1996 | M&A | Acquired State Bank and Trust Company merger for the acquired bank | SEC |
| March 22, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 22, 1996 | Structure Change | Acquired State Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 23, 1995 | M&A | Acquired The Valley National Bank merger for the acquired bank | SEC |
| June 23, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 23, 1995 | Structure Change | Acquired The Valley National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 19, 1995 | M&A | Acquired National Commerce Bank merger for the acquired bank | SEC |
| May 19, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 19, 1995 | Structure Change | Acquired National Commerce Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 15, 1994 | M&A | Acquired Texas Commerce Bank - Corpus Christi, National Association merger for the acquired bank | SEC |
| April 15, 1994 | Structure Change | Acquired Texas Commerce Bank - Corpus Christi, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 14, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 5, 1993 | M&A | Acquired Cullen Center Bank & Trust merger for the acquired bank | SEC |
| November 5, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 50 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Frost Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC); 6 against individuals associated with it
- April 16, 1991, OCC: Formal Agreement: Frost National Bank of San Antonio, The
- Period: Most recent institution action April 16, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.8% of deposits in TX, rank 6 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 12,484 applications, 6,118 loans originated, $1.38B originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 81 loans, $50.4M approved, $622K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 159 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Frost Bank
What are Frost Bank's total assets?
As of the Q2 2026 filing, Frost Bank reported total assets of $53.95 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Frost Bank headquartered?
Frost Bank is headquartered in San Antonio, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Frost Bank founded?
Frost Bank was established in 1899, per the FDIC institution directory.
Is Frost Bank FDIC-insured?
Yes. Frost Bank is an FDIC-insured commercial bank (FDIC Certificate #5510). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Frost Bank?
Frost Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Frost Bank's CET1 capital ratio?
Frost Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.42% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Frost Bank operate?
Frost Bank operates 223 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Frost Bank's Texas Ratio?
Frost Bank's Texas Ratio is 2.81% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Frost Bank previously called?
The charter now named Frost Bank has also operated as The Frost National Bank (1993-2012), per FDIC structure-change records.
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