$52.8B
+1.4%y/y
Percentile by value87th percentileby value
FDIC
ASSETFB
Frost Bank
San Antonio, TexasFDIC Cert #5510
STATEEstablished 1899219 branches
Holding company: CULLEN FROST BANKERS INCRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFrost Bank reported $52.8B in total assets. Deposits grew 0.87% over the prior year.
Return on assets was 1.31%, compared with the official FFIEC UBPR peer median of 1.19%. The leverage ratio was 9.07%.
- Why is Total Assets above its official FFIEC UBPR peers?
- Why is CRE Concentration to Capital below its official FFIEC UBPR peers?
- Why is Noncurrent Loan Ratio below its official FFIEC UBPR peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$43.2B
+0.9%y/y
Percentile by value88th percentileby value
FDIC
DEP$22.1B
+7.4%y/y
Percentile by value72nd percentileby value
FDIC
LNLSNET1.31%
+13 bpsy/y
Peer standing61st percentile
FDIC
NETINC + ROA62.77%
−66 bpsy/y
Peer standing24th percentile
FDIC
NONIX + NIM + NONII + EEFFR9.07%
+45 bpsy/y
Peer standing17th percentile
FDIC
RBC1AAJPercentiles compare this bank with 110 ffiec ubpr peer group 2 — insured commercial banks having assets between $10 billion and $100 billion.
Side-by-side comparison
Frost Bank beside its official FFIEC UBPR peers
The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.
UBPR membership + Call Report metricsThis bank
1.31%
Registry median
1.19%
This bank
15.35%
FFIEC trimmed average
10.71%
This bank
3.61%
Registry median
3.55%
This bank
62.77%
Registry median
54.92%
This bank
+0.87%
FFIEC trimmed average
+8.67%
This bank
+7.37%
FFIEC trimmed average
+11.01%
This bank
0.39%
FFIEC trimmed average
0.76%
This bank
9.07%
FFIEC trimmed average
10.28%
This bank
1.91%
Registry median
2.60%
This bank
120%
Registry median
213%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
This bank
1.31%
Registry median
1.40%
This bank
15.35%
FFIEC trimmed average
13.34%
This bank
3.61%
Registry median
4.08%
This bank
62.77%
Registry median
60.91%
This bank
+0.87%
FFIEC trimmed average
+6.33%
This bank
+7.37%
FFIEC trimmed average
+6.25%
This bank
0.39%
FFIEC trimmed average
0.61%
This bank
9.07%
FFIEC trimmed average
11.78%
This bank
1.91%
Registry median
2.39%
This bank
120%
Registry median
176%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $46.7B | $39.2B |
| Q3 2021 | $48B | $40.2B |
| Q4 2021 | $51B | $43.2B |
| Q1 2022 | $51.3B | $45B |
| Q2 2022 | $51.8B | $46.1B |
| Q3 2022 | $53B | $47B |
| Q4 2022 | $53B | $44.4B |
| Q1 2023 | $51.3B | $42.6B |
| Q2 2023 | $48.7B | $41.1B |
| Q3 2023 | $48.8B | $41.4B |
| Q4 2023 | $51B | $42.4B |
| Q1 2024 | $49.6B | $41.2B |
| Q2 2024 | $48.9B | $40.7B |
| Q3 2024 | $51.1B | $42.2B |
| Q4 2024 | $52.6B | $43.1B |
| Q1 2025 | $52.1B | $42.9B |
| Q2 2025 | $51.5B | $42.2B |
| Q3 2025 | $52.6B | $42.9B |
| Q4 2025 | $53.1B | $43.3B |
| Q1 2026 | $52.8B | $43.2B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $4.22B |
| Investor CRE | $3.23B |
| Multifamily | $188M |
| Construction | $2.67B |
| 1–4 family | $4B |
| C&I | $5.74B |
| Agriculture | $127M |
| Other | $2.26B |
FFIEC UBPR comparison
How this bank compares
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.31%61st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.71%Median 1.19%90th 1.80%Observations 110
ROE
FDIC
NETINC + ROE15.35%83rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.78%Median 10.10%90th 17.47%Observations 110
NIM
FDIC
NIM + NIMY3.61%53rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.62%Median 3.55%90th 4.39%Observations 110
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR62.77%24th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 36.24%Median 54.92%90th 71.99%Observations 110
Deposits YoY
FDIC
DEP+0.87%24th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.68%Median +4.64%90th +30.48%Observations 110
Loans YoY
FDIC
LNLSNET+7.37%53rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.21%Median +6.49%90th +34.73%Observations 109
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.39%24th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.20%Median 0.71%90th 1.50%Observations 109
Leverage
FDIC
RBC1AAJ9.07%18th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.29%Median 10.30%90th 12.41%Observations 110
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.91%86th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.79%Median 2.60%90th 3.62%Observations 110
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC120%20th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 54%Median 213%90th 309%Observations 110
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.31%45th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.55%Median 1.40%90th 2.32%Observations 329
ROE
FDIC
NETINC + ROE15.35%61st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.84%Median 13.19%90th 22.30%Observations 329
NIM
FDIC
NIM + NIMY3.61%29th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.88%Median 4.08%90th 5.04%Observations 329
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR62.77%45th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 41.82%Median 60.91%90th 83.34%Observations 329
Deposits YoY
FDIC
DEP+0.87%27th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.62%Median +5.17%90th +21.38%Observations 329
Loans YoY
FDIC
LNLSNET+7.37%60th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.05%Median +4.67%90th +22.28%Observations 328
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.39%54th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.32%90th 2.27%Observations 328
Leverage
FDIC
RBC1AAJ9.07%4th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.41%Median 11.35%90th 15.75%Observations 329
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.91%77th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.46%Median 2.39%90th 3.45%Observations 329
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC120%35th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 18%Median 176%90th 306%Observations 186
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
Branches & markets
Physical footprint
- Domestic offices
- 219 branches
- Headquarters
- San Antonio, TX
FDIC
OFFDOMOpen the Texas dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data