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100 West Houston Street
San Antonio, TX 78205

Frost Bank is headquartered in San Antonio and is the 4th largest bank in the state of Texas. It is also the 56th largest bank in the nation. It was established in 1899 and as of March of 2014, it had grown to 4,075 employees at 128 locations. Frost Bank has a A+ health rating.

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Reviews (1)

On Line Banking

Frost Bank has been making changes to it's on-line access.

It no longer supports Quickbooks. Simple things that I have preformed through Quickbooks for years can no longer be done. Example, if you try to transfer funds from one account to another, Frost erases files from Quickbooks. Meaning you can no longer use it and you get the privage of speaking with somebody in India for 5 to 6 hours while they rebiuld you QB files. I was actually lucky enough to spend two days talking to India, because I tried it a second time.

Now, you cannot download your transactions through Quickbooks either.

I cannot in my wild dreams imagine why Frost Bank would choose to NOT support Quickbooks. I would think that that biggest magority of small businesses in the US utilize Quickbooks. ---- Bad Dicision!



Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Frost Bank had $68.34 million in non-current loans and owned real-estate with $2.53 billion in equity and loan loss allowances on hand to cover it. This gives Frost Bank a Texas Ratio of 2.70% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Frost Bank decreased dramatically from 4.53% as of March 31, 2013 to 2.70% as of March 31, 2014, resulting in a positive change of 40.34%.This indicates that the balance sheet and financial strength for Frost Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Frost Bank has increased its total deposits by $1.99 billion, resulting in 10.43% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Frost Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Frost Bank has $24.7 billion in assets with $2.53 billion in equity, resulting in a capitalization level of 10.24%, which is above average.

Institution Statistics

FDIC Certificate #5510
Year Established1899
Primary RegulatorFED
Assets and Liabilities
Assets$24.70 billion
Loans$9.66 billion
Deposits$21.12 billion
Equity Capital$2.43 billion
Loan Loss Allowance$95.16 million
Unbacked Noncurrent Loans$56.56 million
Real Estate Owned$11.77 million
Historic Data - March 2013
Assets$22.54 billion
Equity Capital$2.40 billion
Loan Loss Allowance$93.59 million
Unbacked Noncurrent Loans$56.56 million
Real Estate Owned$12.63 million
Profit Margin - Quarterly
Net Interest Margin2.89%
Return on Assets1%
Return on Equity10.14%
Interest Income$164.65 million
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Frost Bank Savings Account Rates

0.01%--Health Savings

Frost Bank Money Market Rates

0.10%$100k-Personal Money Market

Frost Bank CD Rates

0.20%$1k-2 Year CD
0.20%$1k$100k2 Year Business CD
0.20%$100k-2 Year Jumbo Business CD
0.10%$1k-18 Month CD
0.10%$1k$100k18 Month Business CD
0.10%$100k-18 Month Jumbo Business CD
0.05%$1k-1 Year CD
0.05%$1k$100k1 Year Business CD
0.05%$100k-1 Year Jumbo Business CD
0.03%$1k-90 Day CD
0.03%$1k-180 Day CD
0.03%$100k-14 Day Jumbo CD
0.03%$100k-30 Day Jumbo CD
0.03%$100k-60 Day Jumbo CD
0.03%$1k$100k90 Day Business CD
0.03%$1k$100k180 Day Business CD
0.03%$100k-14 Day Jumbo Business CD
0.03%$100k-30 Day Jumbo Business CD
0.03%$100k-60 Day Jumbo Business CD
0.03%$100k-90 Day Jumbo Business CD
0.03%$100k-180 Day Jumbo Business CD

Frost Bank has 125 locations. Click to view all Frost Bank locations.