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	10/31/2025
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	$0
Net Income	$177.10M
Net Loans and Leases	$21.17B
Assets Per Employee ($Millions)	$0M
Bank Premises and Fixed Assets	$0
Cash and Balances due from Depository Institutions	$0
Deposits Held in Domestic Offices	$0

Key Performance Ratios

Return on Assets (ROA)	0%
Return on Equity (ROE)	0%
Net Interest Margin	0%
Efficiency Ratio	0%
Tier 1 Risk-Based Capital Ratio	0%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	0%
Earning Assets to total Assets	0%

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	$0
Provision for Credit Losses	$0
Discontinued Operations (Extraordinary Gains - Net)	$0

Additional Financial Info

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$0
Other borrowed funds	$0
Federal Funds Sold & Reverse Repurchase Agreement	$0
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$0
Total Liabilities and Capital	$0

Securities

Securities	$0
Available-for-sale debt securities	$0
Equity securities with readily determinable fair values not held for trading	$0
Held-to-maturity securities	$0
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

About Frost Bank

Explore the latest call report data for Frost Bank. Review total assets, deposits, income and expense breakdowns, and trends over time. Compare with similar institutions in the same city, state, and asset tier.

Visbanking aggregates public bank call report filings to help analysts, investors, and industry professionals evaluate performance and risk. Data recency depends on regulatory reporting cycles.

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?

Not available.

Is this bank FDIC insured?

Institutions that are currently open and insured by the FDIC.

How many domestic offices does it operate?

213.

When was it established?

02/20/1899.

Who is the primary regulator?

FED.