Frost Bank
Total assets
$53.95B
▲ +4.8% YoY
Deposits
$43.67B
▲ +3.5% YoY
Loans
$22.70B
▲ +8.2% YoY
Offices
223
CULLEN FROST BANKERS INC
ROA (annualized)
1.31%
peers 1.23%
ROE (annualized)
15.30%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | Frost Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +5.9% | -1.1 pts |
| Deposit growth (YoY) | +3.5% | +5.7% | -2.1 pts |
| Loan growth (YoY) | +8.2% | +6.9% | +1.3 pts |
| ROA | 1.31% | 1.23% | +0.1 pts |
| ROE | 15.3% | 11.2% | +4.1 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
Profile
- Established
- 1899
- Charter
- State
- Primary regulator
- FED
- Holding company
- CULLEN FROST BANKERS INC
- Specialization
- Commercial Lending Specialization
- Address
- 111 W Houston St, San Antonio, TX, 78205
- County
- Bexar
- Metro area
- San Antonio-New Braunfels, TX
- Offices
- 223
- FDIC cert #
- 5510
- RSSD ID
- 682563
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $53.95B | $43.67B | $22.70B | $4.66B | $349.9M | 1.31% | 3.62% | 0.24% |
| Q1 2026 | $52.77B | $43.24B | $22.15B | $4.52B | $174.0M | 1.31% | 3.61% | 0.17% |
| Q4 2025 | $53.13B | $43.33B | $21.61B | $4.54B | $662.2M | 1.26% | 3.62% | 0.18% |
| Q3 2025 | $52.60B | $42.94B | $21.17B | $4.41B | $493.0M | 1.26% | 3.59% | 0.11% |
| Q2 2025 | $51.49B | $42.17B | $20.98B | $4.09B | $315.9M | 1.21% | 3.55% | 0.22% |
| Q1 2025 | $52.06B | $42.86B | $20.63B | $4.02B | $154.5M | 1.18% | 3.48% | 0.19% |
| Q4 2024 | $52.58B | $43.14B | $20.48B | $3.82B | $597.9M | 1.18% | 3.47% | 0.21% |
| Q3 2024 | $51.06B | $42.17B | $19.79B | $4.08B | $439.5M | 1.17% | 3.47% | 0.22% |
Loan mix (Q2 2026): real estate $15.07B · commercial $5.69B · consumer $442.1M · securities $21.43B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Frost Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 1.23% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 11.3% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.55% | 56th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.3% | 54.9% | 79th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Frost Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Frost Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Frost Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Frost Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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