Total Assets
$53.1B
Total balance-sheet footings
FDIC Cert #5510 · San Antonio, Texas · Est. 1899
Frost Bank - FDIC Bank Health Profile
One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.
- $53.1B
- Total assets
- A
- Health grade · Excellent
- 1.26%
- Return on assets
- 14.3%
- Tier 1 capital
Data updated July 2026
The verdict
Frost Bank earns a PlainBankData health grade of A (83/100), with well-capitalized at 14.33% Tier 1, profitable at 1.26% ROA, 63% efficiency ratio.
- #48
- largest of 4,313 FDIC banks by assets
- 99th
- percentile by asset size, nationally
- 14.33%
- Tier 1 ratio - above the 10% well-capitalized line
- 62nd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Frost Bank's 83/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Frost Bank's composite health score
Tier 1 Capital Ratio (14.33%) 35/40
Return on Assets (ROA) (1.26%) 20/25
Texas Ratio (1.91%) 20/20
Efficiency Ratio (62.53%) 8/15
83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$43.3B
Customer-funded liabilities
Net Loans
$21.6B
Outstanding loan book
Net Income
$662M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Frost Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Frost Bank's score of 83/100 falls in the highlighted band.
Frost Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Frost Bank's $53.1B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.33% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.33%
Texas Ratio
1.91%
Equity Capital
$4.5B
Profitability metrics
Return on Assets (ROA)
62nd percentile nationally
1.26%
Return on Equity (ROE)
15.85%
Efficiency Ratio
62.53%
What the numbers say about Frost Bank
Frost Bank is an FDIC-insured institution (Certificate #5510) headquartered in San Antonio, Texas, established in 1899. It holds $53.1B in total assets - 48th of 4,313 FDIC-insured banks, $43.3B in customer deposits, and $21.6B in net loans. On safety, its Tier 1 capital ratio of 14.33% is above the 10% well-capitalized threshold, and its Texas Ratio of 1.91% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (83/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Frost Bank's asset base places it among the largest FDIC-insured institutions in the country, 48th of 4,313 nationally, and 2nd of 350 banks headquartered in Texas. Only Charles Schwab Bank, SSB ($253.8B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$2.4B
Interest Income
$498M
Non-Interest Income
$1.4B
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Frost Bank reports a Texas Ratio of 1.91% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.91% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
National size peers: banks closest to Frost Bank by assets
Frost Bank is closely matched in total assets by BOKF, First National Bank of Pennsylvania, Pinnacle Bank, Barclays Bank Delaware across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.27%, versus Frost Bank's own 1.26%; the average efficiency ratio is 60.25%, versus 62.53% here; and average Tier 1 capital sits at 13.36%, versus 14.33% at Frost Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.
At $53.1B in assets, Frost Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Frost Bank (this bank) | TX | $53.1B | 1.26% | 62.53% | 14.33% |
| BOKF, National Association | OK | $52.0B | 1.10% | 64.16% | 12.02% |
| First National Bank of Pennsylvania | PA | $50.0B | 1.29% | 51.65% | 11.37% |
| Pinnacle Bank | TN | $57.6B | 1.25% | 53.06% | 11.13% |
| Barclays Bank Delaware | DE | $47.6B | 0.87% | 64.66% | 13.63% |
| SoFi Bank, National Association | UT | $46.6B | 1.96% | 68.09% | 16.44% |
| Banco Popular de Puerto Rico | PR | $59.8B | 1.17% | 59.89% | 15.59% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Frost Bank (FDIC Cert #5510) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
| Stellar BankHouston | $10.8B | A | 1.07% |
Frequently asked questions
What is Frost Bank's health grade?▼
Frost Bank receives a health grade of A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Frost Bank?▼
Frost Bank holds $53.1B in total assets and $43.3B in deposits, ranking 48th of 4,313 FDIC-insured banks by asset size. It is headquartered in San Antonio, Texas.
Is my money safe at Frost Bank?▼
Yes, deposits at Frost Bank (Certificate #5510) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Frost Bank's Tier 1 Capital Ratio?▼
Frost Bank has a Tier 1 Capital Ratio of 14.33%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Frost Bank?▼
Frost Bank has a Texas Ratio of 1.91%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Frost Bank?▼
Frost Bank has an Efficiency Ratio of 62.53%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Frost Bank's profile as a depositor or analyst.
- Frost Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Frost Bank against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.