Average User Rating:
1 star rating based on 1 review.

The Frost National Bank

100 West Houston Street
San Antonio, TX 78205
800-513-7678
www.frostbank.com

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The Frost National Bank is headquartered in San Antonio and is the 4^th largest bank in the state of Texas. It is also the 60^th largest bank in the nation. It was established in 1899 and as of March of 2012, it had grown to 4,017 employees at 134 locations. The Frost National Bank has a 5-star health rating.

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See Rates for: Savings | Money Market | CD

The Frost National Bank Savings Account Rates

	Apy	Min	Max	Product
	0.01%	-	-	Health Savings

The Frost National Bank Money Market Rates

	Apy	Min	Max	Product
	0.25%	$100k	-	Personal Money Market

The Frost National Bank CD Rates

Apy	Min	Max	Product
0.40%	$1k	-	2 Year Online CD
0.40%	$1k	-	2 Year CD
0.40%	$1k	$100k	2 Year Business CD
0.40%	$100k	-	2 Year Jumbo Business CD
0.35%	$1k	-	18 Month CD
0.35%	$1k	$100k	18 Month Business CD
0.35%	$100k	-	18 Month Jumbo Business CD
0.30%	$100k	-	1 Year Online CD
0.30%	$100k	-	1 Year CD
0.30%	$100k	-	1 Year Jumbo Business CD
0.25%	$100k	-	180 Day Online CD
0.25%	$100k	-	180 Day CD
0.25%	$1k	$100k	1 Year Business CD
0.25%	$100k	-	180 Day Jumbo Business CD
0.20%	$1k	$100k	180 Day Business CD
0.15%	$1k	-	90 Day CD
0.15%	$100k	-	14 Day CD
0.15%	$100k	-	30 Day CD
0.15%	$100k	-	60 Day CD
0.15%	$1k	$100k	90 Day Business CD
0.15%	$100k	-	14 Day Jumbo Business CD
0.15%	$100k	-	30 Day Jumbo Business CD
0.15%	$100k	-	60 Day Jumbo Business CD
0.15%	$100k	-	90 Day Jumbo Business CD

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

The Frost National Bank
FDIC Certificate #	5510
BankRate Report	View
Year Established	1899
Employees	4017
Primary Regulator	OCC
Assets and Liabilities
Assets	$20.47 billion
Loans	$8.02 billion
Deposits	$17.02 billion
Equity Capital	$2.34 billion
Loan Loss Allowance	$107.18 million
Unbacked Noncurrent Loans	$111.61 million
Real Estate Owned	$22.67 million
Historic Data - March 2011
Assets	$17.96 billion
Equity Capital	$2.15 billion
Loan Loss Allowance	$124.32 million
Unbacked Noncurrent Loans	$140.81 million
Real Estate Owned	$30.44 million
Profit Margin - Quarterly
Net Interest Margin	3.33%
Return on Assets	1.21%
Return on Equity	10.62%
Interest Income	$157.57 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 The Frost National Bank had $134.28 million in non-current loans and owned real-estate with $2.44 billion in equity and loan loss allowances on hand to cover it. This gives The Frost National Bank a Texas Ratio of 5.50% 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 The Frost National Bank decreased slightly from 7.56% as of March 31, 2011 to 5.50% as of March 31, 2012, resulting in a positive change of 27.33%.This indicates that the balance sheet and financial strength for The Frost National Bank has improved slightly in recent periods.
Deposit Growth
In the past year, The Frost National Bank has increased its total deposits by $2.26 billion, resulting in 15.29% 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 The Frost National Bank has shown is excellent.
Capitalization
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. The Frost National Bank has $20.47 billion in assets with $2.44 billion in equity, resulting in a capitalization level of 11.93%, which is above average.

On Line Banking
1 stars

- Sueirwin - Monday, May 7, 2012 - 10:20 AM

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!