Frost Bank

BankSan Antonio, Texas
www.frostbank.com

Total Assets

$53.1B

Total Deposits

$43.3B

Branches

217

Established

1899

TFS Health Grade

$
D+

69.4 / 100

Below average financial health

How we grade

Frost Bank is a bank headquartered in San Antonio, Texas, established in 1899. With $53.1B in total assets and 217 branch locations, it has a TFS Financial Health Grade of D+ (69.4/100). The CFPB has received 100 consumer complaints about this institution.

Capital & Safety

Tier 1 Capital Ratio
8.69%(8%)
Total Capital Ratio
15.34%(10%)
Non-Performing Loan Ratio
0.42%

Profitability

Return on Assets (ROA)
1.26%(1%)
Return on Equity (ROE)
15.85%(10%)
Net Interest Margin
3.62%
Efficiency Ratio
62.53%(60%)

Lending & Liquidity

Total Loans
$21.9B
Loan-to-Deposit Ratio
49.87%
Net Charge-Off Ratio
0.16%

Growth

Asset Growth (YoY)
+1.04%
Deposit Growth (YoY)
+0.44%
Net Income
$662.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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