B
Frost Bank
Rating Date
October 2025
Risk Based
Capital Ratio
15.04
Leverage
Ratio
8.72
Return On
Assets
1.20%
Total
Assets
51.49B
Capital
4.09B
Total
Deposits
42.17B
Net
Income
315.91M
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Weiss Ratings Frost Bank
San Antonio, TX 		Click to
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Rating B
Asset Quality Index 8.20
Capitalization Index 6.70
Liquidity Index 4.40
Profitability Index 5.70
Stability Index 7.70
Company Info Frost Bank
San Antonio, TX 		Click to
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FDIC Number 5510
Phone Number (210) 220-4011
Website www.frostbank.com
Asset Quality Frost Bank
San Antonio, TX 		Click to
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1-Year Asset Growth 5.26%
5-Year Asset Growth 10.83%
5-Year Charge-Offs to Average Loans 0.23%
Charge-Offs to Average Loans 0.20%
Non-Performing Assets to Assets 0.11%
Non-Performing Loans to Capital 2.18%
Non-Performing Loans to Loans 0.31%
Balance Sheet Frost Bank
San Antonio, TX 		Click to
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Total Assets 51.49B
Total Deposits 42.17B
Capital and Reserves Frost Bank
San Antonio, TX 		Click to
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Capital 4.09B
Leverage Ratio 8.72
Loan Loss Reserves to Loans 1.31%
Risk-Based Capital Ratio 15.04
Liquidity Frost Bank
San Antonio, TX 		Click to
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Hot Money Ratio 14.28%
Liquidity Ratio 42.24%
Profitability Frost Bank
San Antonio, TX 		Click to
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5-Year Return on Average Assets 1.08%
Net Income 315.91M
Net Interest Spread 3.60%
Operating Profit to Average Assets 1.44%
Overhead Efficiency Ratio 63.13%
Return on Assets 1.20%
Return on Equity 15.84%