Advertisement
Frost Bank
San Antonio, TX · FDIC Certificate #5510 · Chartered 02/2
Total assets
$53.95B
Total deposits
$43.67B
Total equity
$4.66B
Net loans
$22.70B
Branches (offices)
222
Net income (YTD)
$349.95M
Rank: #47 of 4,213 U.S. banks by assets · #2 of 346 in Texas. Assets changed 4.8% and deposits 3.5% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.31% |
| Return on equity | 15.30% |
| Net interest margin (YTD) | 3.62% |
| Equity to assets | 8.64% |
| Tier 1 leverage ratio | 9.08% |
| Uninsured deposits (share of deposits) | 52.2% |
| Noncurrent loans (share of loans) | 0.55% |
| Net charge-offs (share of loans) | 0.14% |
| Loans to deposits | 52.0% |
| Real estate loans (share of loans) | 66.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $15.07B | 66.4% | |
| Commercial & industrial | $5.69B | 25.1% | |
| Consumer / individual | $442.07M | 1.9% | |
| Construction & development | $2.74B | 12.1% | |
| Agricultural | $1.86M | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $51.85B | $46.11B | $223.85M | $3.17B |
| Jun 2023 | $48.65B | $41.11B | $346.07M | $3.30B |
| Jun 2024 | $48.91B | $40.75B | $289.60M | $3.61B |
| Jun 2025 | $51.49B | $42.17B | $315.91M | $4.09B |
| Jun 2026 | $53.95B | $43.67B | $349.95M | $4.66B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $43.67B | 222 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $43.67B.
Similar-sized banks
Sofi Bank, National Association ($56.82B) · Bokf, National Association ($52.98B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement