Frost Bank
San Antonio, TX
IDRSSD: 682563
Total Assets
$52.60B
Latest filing
Total Deposits
$42.94B
Latest filing
Net Interest Margin
3.70%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Frost Bank
111 W Houston St
San Antonio, TX 78205
Full Service - Brick and Mortar
Updated 11/14/2025Established 02/20/1899FDIC Certificate 3739
Branches (212)
Page 1 of 31| Name | Address | City / State |
|---|---|---|
| Frost Bank (Main) | 111 W Houston St | San Antonio, TX |
| LEOPARD BRANCH | 2302 Leopard St | Corp Christi, TX |
| SUGARLAND BANKING CENTER BRANCH | 620 Highway 6 | Sugar Land, TX |
| PORTLAND BRANCH | 500 W Broadway Ave | Portland, TX |
| CITIZENS BRANCH | 3803 Nw Loop 410 | San Antonio, TX |
| WINDCREST FINANCIAL CENTER | 4900 Windsor Hl | San Antonio, TX |
| MCALLEN NORTH MOTOR BRANCH | 2321 N 10th St | Mcallen, TX |
| NORTH AUSTIN BRANCH | 111 E Anderson Ln | Austin, TX |
Showing 7 of 212
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 02/20/1899 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 78205 |
| State and County Number | 48029 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | San Antonio-New Braunfels, TX |
Operational Info
| Number of Employees | 5,947 |
| Domestic Offices | 213 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.frostbank.com |
| Data Updated | 11/14/2025 |
| CERT | 5510 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $52.60B |
| Total Deposits | $42.94B |
| Total Liabilities | $48.19B |
| Total Equity Capital | $4.41B |
| Net Income | $177.10M |
| Net Loans and Leases | $21.17B |
| Assets Per Employee ($Millions) | $8.83M |
| Bank Premises and Fixed Assets | $1.29B |
| Cash and Balances due from Depository Institutions | $7.95B |
| Deposits Held in Domestic Offices | $42.94B |
Key Performance Ratios
| Return on Assets (ROA) | 1.36% |
| Return on Equity (ROE) | 16.67% |
| Net Interest Margin | 3.7% |
| Efficiency Ratio | 61.35% |
| Tier 1 Risk-Based Capital Ratio | 14.346% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.376% |
| Earning Assets to total Assets | 93.01% |
Income and Expense
| Total Interest Income | $620.82M |
| Total Noninterest Income | $125.07M |
| Total Interest Expense | $175.38M |
| Total Noninterest Expense | $351.55M |
| Net Interest Income | $445.43M |
| Pre-tax Net Operating Income | $212.17M |
| Provision for Credit Losses | $6.78M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $2.01M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $9.65M |
| Federal Funds Purchased and Repurchased Agreement | $4.60B |
| All Other Liabilities | $557.98M |
| Total Liabilities and Capital | $52.60B |
Securities
| Securities | $20.30B |
| Available-for-sale debt securities | $16.84B |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $3.46B |
| Subordinated Debt | $0 |
| Trading Account Assets | $134.62M |
| Trading Liabilities | $96.02M |
Frequently Asked Questions
What are the total assets of Frost Bank?
$52.60B as of the latest filing.
How much are Frost Bank's total deposits?
$42.94B in total deposits.
Where is Frost Bank located?
San Antonio, TX.
What is the Net Interest Margin?
3.70%.
How many domestic offices does it operate?
213.
When was it established?
02/20/1899.
What is the Return on Assets (ROA)?
1.36%.
How much are total loans and leases?
$21.17B (latest filing).
What is the total interest income (latest filing)?
$620.82M.