Frost Bank is headquartered in SAN ANTONIO and is the 3rd largest bank in the state of Texas. It is also the 48th largest bank in the nation. It was established in 1899 and as of March of 2025, it had grown to 5,915 employees at 208 locations. Frost Bank's money market rates are 7X the national average, and it has an A health rating.
Fantastic Bank
I've used maybe 5 different banks over the past 40+ years, and this one is by far the best. Customer service is top notch. It may not have all the features some people want based on the reviews, but if you are looking for something specific then look for that before you sign up. I've had nothing but good experiences with frost bank.
Are You Kidding? 5 Stars
Any reviews under one star are fake. This bank has personal relationship managers. You can reach customer service 24/7 and there is minimal to no wait time! The rates are average, the app is simple but does the job, and the company is not full of vultures. If all banks were like this, the world would be a happy place. Give the bank a try, you will be surprised, I was! A checking account has no annual fee if you maintain a balance of 1000. Really fair bank, free ATMs at HEB.
Poor Policies And Onsite Bank Managers
Anytime you have to fight for your own money and your own Institute has policies that don't back you up as their customer..there's a problem!
After banking with a variety of financial institutions in my 35 years of banking..Frost is the worst and most regretted one of All. Customer service during calls are for the most part ok. But when I step into a Branch, without greeting or no idea of how to check in for assistance is another whole issue itself. Not welcoming and don't offer Anything..I will not mention the wasted CDs I had for the 3yr period of waste with no kind of direction offered..Disputing charges of any kind with a retailer for a refund taking over 120 days!!! Now this was the final straw to take my direct deposit to another Bank! These idiots kept telling me on the phone that they were still waiting for merchant to respond..even when I visited the brach after the 120 long so called policy wait..the bank Manager tells me the same and nothing she could do about my money..I don't have 300bucks to just throw away..I wouldn't care if it was 1dollar..I want my money that was stolen as far as I'm concerned now..I paid for product..product was returned..I had the receipt which was evidence..is this a joke??!! But your people initiated dispute when I made it..they were told at that instance that I had receipt and screenshots, but never asked for it?? Wtf! Oh not to mention the countless recorded calls I made checking on status of my money. These people need more training and those policies needs to be shredded! Those are not customer friendly or helping in no form or fashion...I will Never Ever Recommend and every chance I get and remember..I will remind others especially on my social media to stay the hell away from this Bank that is only supporting the Merchants and not the customer..May God have Mercy
Very Impressed And Grateful
The outstanding service provided by this bank has ensured our dreams and goals.
Thankful to Scott, Nathan, and Lai-Yee.
Warmest,
Holly and Damian with Mobility City of Fort Worth.
Very Unreliable
Have been banking with Frost Bank for many years and this past week they let my employer to reverse a direct deposit payment after 15 days in my account.
No one asked me for my consent even it was past the five day limits they could reverse a deposit.
I am sick in bed and that was my sick day payment that I deserve. Customer service, could not help
This bank is not a good custodian...to say the least. Am really disappointed. They don’t have the customers best interest...
Online Business Banking - TERRIBLE
If you plan to use Frost Bank for business AND rely on online banking, AND/OR have more than one business account, RUN, RUN, RUN the other way!! It is aboslutely THE WORST system that I have ever used. I sooooo regret changing to this bank. (I have used Wells Fargo, UFCU, CapitalOne, etc.)
For NO reason, they say log ins have failed, and lock you out, even when you have NOT attempted log ins and it worked a day or 2 before. Then, they expect a BUSINESS account to carry around a debit card for EVERY SINGLE account, as if any business owner takes that risk!! That is the ONLY way to unlock your account!! It takes forever to call in to get re-set, when there was absolutely NO reason for the lock out. As a small business owner, who does most things for my business it is incredibly cumbersome to get locked out of my online banking once a week!!
In addition, you cannot transfer freely between accounts, nor can you log in to different accounts!! It is incredibly cumbersome and not worth one cent!! Nice people, but that doesn't help when you are a busy small business owner, and are only trying to pay a bill!!! Obviously, looking for another bank.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 5510 |
| Year Established | 1899 |
| Employees | 5915 |
| Primary Regulator | FED |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.18% |
| Return on Equity - YTD | 15.76% |
| Annual Interest Income | $585.7MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $52.06B$49.57B |
| Loans | Q1 2025vs Q1 2024 | $20.63B$19.14B |
| Deposits | Q1 2025vs Q1 2024 | $42.86B$41.25B |
| Equity Capital | Q1 2025vs Q1 2024 | $4.02B$3.56B |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $275.5MM$250.3MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $90.5MM$101.7MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $1.3MM$725K |
