Bank · FDIC insured
Frost Bank
A $54B bank, the 47th largest of 4,207, headquartered in San Antonio, TX, with 216 branches in Texas. Best rates: CDs 4.00% and savings 0.90% APY.
Frost Bank Carrot Score
63
Carrot Score
Higher than 8% of U.S. banks and credit unions
#104 of 115 in Dallas, TX metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Frost Bank
Frost Bank was established in 1868 in San Antonio, where T.C. Frost provided Texans with supplies to prosper on the frontier.
The bank is owned by Cullen/Frost Bankers, Inc., whose listing moved to the New York Stock Exchange in 1997 under the symbol CFR.
- Headquarters
- 111 W Houston St, San Antonio, TX 78205
- FDIC certificate
- 5510 ↗
Branches
216 branches in Texas
Loading map…
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.08% | 9.97% | 10.85% or more |
| Troubled loansNoncurrent | 0.55% | 0.70% | 0.47% or less |
| ProfitabilityReturn on assets | 1.31% | 1.23% | 1.55% or more |
| LendingLoans per $100 deposited | $53 | $85 | — |
- CapitalLeverage ratio9.08%Peers’ middle 9.97% · Top 25% 10.85%+
- Troubled loansNoncurrent0.55%Peers’ middle 0.70% · Top 25% ≤0.47%
- ProfitabilityReturn on assets1.31%Peers’ middle 1.23% · Top 25% 1.55%+
- LendingLoans per $100 deposited$53Peers’ middle $85
Compared with the 164 banks with $10 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Frost Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.