Frost Bank Mortgage Rates, Fees & Info

San Antonio, TX

LEI: G5AHTAP80NWA3Q8RDC78

Tax ID: 74-0635455

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Frost Bank is a smaller bank specializing in Home Improvement loans. Frost Bank has a high proportion of conventional loans. Their top markets include Dallas, Austin, Houston, San Antonio, and Midland among others. Frost Bank has a below average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors.


Originations

5,301

Origination Dollar Volume (All Markets)

$900,095,000

Employee count

4,553

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2,137 $342,795,000 $160,409 $364 4.17%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 878 $229,650,000 $261,560 $731 4.09%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1,299 $179,475,000 $138,164 $251 4.17%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 711 $109,315,000 $153,748 $297 4.06%
MIDLAND, TX (FHA|USDA|VA) 32 $8,770,000 $274,063 $1,206 4.03%
CORPUS CHRISTI, TX (FHA|USDA|VA) 53 $7,695,000 $145,189 $75 3.95%
Outside of Metro Areas 34 $4,610,000 $135,588 $200 4.07%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 44 $3,800,000 $86,364 $45 3.81%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 24 $1,880,000 $78,333 $187 3.96%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 10 $1,770,000 $177,000 $441 4.22%
Granbury, TX (FHA|USDA|VA) 11 $1,215,000 $110,455 $207 4.27%
Kerrville, TX (FHA|USDA|VA) 4 $1,030,000 $257,500 $400 3.65%
SHERMAN-DENISON, TX (FHA|USDA|VA) 12 $1,010,000 $84,167 $157 4.20%
VICTORIA, TX (FHA|USDA|VA) 9 $995,000 $110,556 $147 3.82%
ODESSA, TX (FHA|USDA|VA) 7 $765,000 $109,286 $233 4.05%
Athens, TX (FHA|USDA|VA) 4 $750,000 $187,500 $1,099 4.30%
Brenham, TX (FHA|USDA|VA) 4 $690,000 $172,500 $416 4.37%
Fredericksburg, TX (FHA|USDA|VA) 3 $675,000 $225,000 $0 3.74%
Rockport, TX (FHA|USDA|VA) 2 $650,000 $325,000 $0 4.33%
Huntsville, TX (FHA|USDA|VA) 3 $505,000 $168,333 $359 4.49%
Raymondville, TX (FHA|USDA|VA) 2 $500,000 $250,000 $600 3.38%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 5 $435,000 $87,000 $209 4.54%
El Campo, TX (FHA|USDA|VA) 5 $415,000 $83,000 $95 4.08%
Port Lavaca, TX (FHA|USDA|VA) 1 $205,000 $205,000 $650 3.50%
Beeville, TX (FHA|USDA|VA) 2 $140,000 $70,000 $0 4.03%
Sulphur Springs, TX (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.73%
Corsicana, TX (FHA|USDA|VA) 1 $95,000 $95,000 $158 3.99%
WACO, TX (FHA|USDA|VA) 1 $85,000 $85,000 $158 4.49%
Rio Grande City-Roma, TX (FHA|USDA|VA) 1 $45,000 $45,000 $0 3.76%
Nacogdoches, TX (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.24%

Frost Bank's top markets include Dallas, Austin, Houston, San Antonio, and Midland among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 5,301 $900,095,000 $169,797 $357 4.13%

For the 2021 period, Frost Bank's most frequently originated loan type of loans were Conventional, with 5,301 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Improvement 3,236 $418,280,000 $129,258 $331 4.21%
Other 838 $179,410,000 $214,093 $287 3.98%
Refi 616 $149,590,000 $242,841 $432 3.90%
Home Purchase 611 $152,815,000 $250,106 $578 4.19%

For the 2021, Frost Bank's most frequently cited loan purpose of loans were Home Improvement, with 3,236 originations. The 2nd most popular reason of loans were Other, with 838 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
20 Year 2,998 $605,190,000 $201,865 $305 4.05%
15 Year 1,013 $84,575,000 $83,490 $299 4.37%
Other 921 $179,595,000 $195,000 $597 4.29%
10 Year 356 $26,610,000 $74,747 $46 3.73%
3 Year 7 $1,655,000 $236,429 $0 4.21%
5 Year 6 $2,470,000 $411,667 $0 4.46%

For the 2021, Frost Bank's most frequently cited loan length of loans were 20 Year, with 2,998 originations. The 2nd most popular length of loans were 15 Year, with 1,013 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 3,239 $367,755,000 $113,540
$1k-2k 33 $17,275,000 $523,485
$2k-3k 7 $7,025,000 $1,003,571
$3k-4k 4 $6,130,000 $1,532,500
$5k+ 1 $3,005,000 $3,005,000

$0 of loans were Frost Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 3,239 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 3,163 $657,745,000 $207,950
4-5% 1,896 $218,600,000 $115,295
5-6% 240 $23,420,000 $97,583
6-7% 1 $85,000 $85,000

During 2021, Frost Bank's average interest rate of loans were 0.00%, while their most frequently originated rate bucket of loans were 3-4%, with 3,163 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$100,000 or less 2,481 $156,545,000 $63,098 $200 4.27%
$100k-200k 1,451 $200,225,000 $137,991 $234 4.17%
$200k-400k 918 $252,250,000 $274,782 $481 3.92%
$400k-600k 331 $147,615,000 $445,967 $1,695 3.68%
$1MM+ 62 $99,910,000 $1,611,452 $13,319 3.65%
$600k-1MM 58 $43,550,000 $750,862 $6,448 3.76%

2021 saw Frost Bank place emphasis on $100,000 or less loans with 2,481 originations, totaling $156,545,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$150k-250k 1,766 $259,250,000 $146,801 $298 4.21%
$250k+ 1,455 $404,665,000 $278,120 $779 4.13%
$100k-150k 1,047 $123,395,000 $117,856 $197 4.18%
$75k-100k 433 $49,265,000 $113,776 $161 4.09%
$50k-75k 309 $30,325,000 $98,139 $53 3.93%
$50k or less 200 $15,450,000 $77,250 $21 3.78%

Frost Bank lent most frequently to those with incomes in the $150k-250k range, with 1,766 originations. The second most popular income band? $250k+, with 1,455 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 1,578 $255,080,000 $161,648 $315 4.11%
30-36% 920 $136,830,000 $148,728 $378 4.22%
<20% 867 $177,775,000 $205,046 $342 3.95%
50-60% 164 $25,340,000 $154,512 $387 4.10%
36% 149 $27,195,000 $182,517 $255 4.15%
40% 148 $23,160,000 $156,486 $243 4.21%
37% 143 $22,105,000 $154,580 $311 4.22%
38% 140 $25,510,000 $182,214 $287 4.13%
39% 134 $20,350,000 $151,866 $405 4.27%
46% 132 $24,490,000 $185,530 $497 4.22%
41% 126 $25,100,000 $199,206 $547 4.18%
43% 123 $20,565,000 $167,195 $417 4.25%
42% 119 $17,555,000 $147,521 $434 4.20%
44% 116 $18,140,000 $156,379 $458 4.28%
45% 115 $19,195,000 $166,913 $281 4.19%
49% 108 $20,630,000 $191,019 $446 4.19%
48% 100 $14,750,000 $147,500 $339 4.12%
47% 97 $17,355,000 $178,918 $557 4.21%

Frost Bank lent most frequently to those with DTI ratios of 20-30%, with 1,578 originations. The next most common DTI ratio? 30-36%, with 920 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 4,189 $702,725,000 $167,755 $362 4.13%
Not provided 624 $110,270,000 $176,715 $318 4.14%
Asian 144 $28,720,000 $199,444 $354 4.10%
Black 176 $20,570,000 $116,875 $281 4.21%
Asian Indian 49 $14,875,000 $303,571 $870 4.04%
Not applicable 22 $8,970,000 $407,727 $0 4.17%
American Indian 51 $5,455,000 $106,961 $240 4.16%
Vietnamese 10 $3,020,000 $302,000 $763 4.04%
Other Asian 13 $2,495,000 $191,923 $370 4.10%
Native Hawaiian 5 $775,000 $155,000 $658 3.74%
Chinese 4 $600,000 $150,000 $158 4.05%
Filipino 7 $595,000 $85,000 $189 4.22%
Korean 2 $540,000 $270,000 $158 3.99%
2 $200,000 $100,000 $404 4.69%
Japanese 2 $150,000 $75,000 $158 3.99%
Other Pacific Islander 1 $135,000 $135,000 $158 3.74%

Approval Rates

Total approvals of all applications
61.82%

Frost Bank has a low approval rate. They may have poor market targeting or stringent lending standards.

Pick Rate

Approvals leading to origination
88.92%

Frost Bank has an average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 5,301 $900,095,000 $169,797

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
5,301 $900,095,000 $169,797

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 1,646 $308,870,000 $187,649 $346 4.14%
40-60% 493 $144,575,000 $293,256 $873 3.80%
60-80% 439 $166,655,000 $379,624 $1,117 3.56%
80-100% 184 $61,680,000 $335,217 $535 3.54%
Over 100% 1 $85,000 $85,000 $0 6.22%
Under 20% 2,538 $218,230,000 $85,985 $252 4.34%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
FIRST HORIZON BANK Other type of mortgage Trouble during payment process 1 2.9%
FIRST HORIZON BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 5.9%
FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 2 5.9%
FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Struggling to pay mortgage 1 2.9%
FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Trouble during payment process 6 17.6%
FIRST HORIZON BANK Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 2 5.9%
FIRST HORIZON BANK VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 2.9%
FIRST HORIZON BANK Other type of mortgage Closing on a mortgage 2 5.9%
FIRST HORIZON BANK Conventional home mortgage Closing on a mortgage 2 5.9%
FIRST HORIZON BANK Conventional home mortgage Struggling to pay mortgage 1 2.9%
FIRST HORIZON BANK Conventional home mortgage Trouble during payment process 10 29.4%
FIRST HORIZON BANK FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 2.9%
FIRST HORIZON BANK FHA mortgage Closing on a mortgage 1 2.9%
FIRST HORIZON BANK FHA mortgage Trouble during payment process 2 5.9%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Frost Bank 1011 Highway 80 San Marcos, TX 78666 Limited, Drive-thru $0
Frost Bank 111 West Houston Street San Antonio, TX 78205 Limited, Mobile/Seasonal Office $0
Frost Bank 111 West Houston Street San Antonio, TX 78205 Full Service B&M $4,450,419
Frost Bank 1111 W Belt Line Rd. Suite 110 Carrollton, TX 75006 Full Service B&M $61,305
Frost Bank 11201 Broadway Pearland, TX 77584 Full Service B&M $55,367
Frost Bank 11555 Bandera Road San Antonio, TX 78250 Full Service B&M $283,923
Frost Bank 1162 North Loop 1604 West San Antonio, TX 78248 Full Service B&M $275,103
Frost Bank 11701 Plano Road Dallas, TX 75243 Full Service B&M $65,161
Frost Bank 1200 Barbara Jordan Blvd, Ste. 200 Austin, TX 78723 Full Service B&M $201,013
Frost Bank 1206 West 38th Street, Suite 1101 Austin, TX 78705 Full Service B&M $198,105
Frost Bank 1234 Clear Lake City Boulevard Houston, TX 77062 Full Service B&M $123,187
Frost Bank 1240 Keller Parkway, Suite 100 Keller, TX 76248 Full Service B&M $307,310
Frost Bank 1250 Northeast Loop 410 San Antonio, TX 78209 Full Service B&M $683,226
Frost Bank 12532 Fm 2244 Road Suite 150 Bee Caves, TX 78738 Full Service B&M $99,060
Frost Bank 1514 West Tyler Harlingen, TX 78550 Full Service B&M $169,475
Frost Bank 15301 North Dallas Prkwy, #100 Addison, TX 75001 Full Service B&M $387,069
Frost Bank 15455 Memorial Drive Suite 700 Houston, TX 77079 Full Service B&M $27,255
Frost Bank 159 West Main Street Lewisville, TX 75057 Full Service B&M $48,246
Frost Bank 16500 San Pedro Avenue San Antonio, TX 78232 Full Service B&M $353,956
Frost Bank 16895 North Ih 35 Schertz, TX 78154 Full Service B&M $229,398
Frost Bank 1700 Post Oak Blvd, Suite 120 Houston, TX 77056 Full Service B&M $1,477,092
Frost Bank 18762 Stone Oak Parkway San Antonio, TX 78258 Full Service B&M $231,674
Frost Bank 1881 Ballpark Way Arlington, TX 76006 Full Service B&M $130,180
Frost Bank 1901 West Nolana Avenue Mcallen, TX 78504 Full Service B&M $396,345
Frost Bank 19661 Highway 59 North Humble, TX 77338 Full Service B&M $24,706
Frost Bank 20002 Northwest Freeway Jersey Village, TX 77065 Full Service B&M $1,016
Frost Bank 201 Northeast 28th Street Fort Worth, TX 76164 Full Service B&M $11,268
Frost Bank 23701 Cinco Ranch Blvd, Suite 100 Katy, TX 77494 Full Service B&M $47,556
Frost Bank 23787 West Insterstate 10 San Antonio, TX 78257 Full Service B&M $72,631
Frost Bank 2402 Leopard Street Corpus Christi, TX 78408 Full Service B&M $169,148
Frost Bank 2421 East 7th Street Austin, TX 78702 Full Service B&M $33,110
Frost Bank 2425 Exposition Blvd Austin, TX 78703 Full Service B&M $270,473
Frost Bank 2443 Westheimer Rd Houston, TX 77098 Full Service B&M $231,516
Frost Bank 2627 West Jefferson Blvd., Suite 314 Dallas, TX 75211 Full Service B&M $67,605
Frost Bank 2700 North County Road West Odessa, TX 79764 Full Service B&M $192,226
Frost Bank 2703 Southwest Military Highway San Antonio, TX 78224 Full Service B&M $145,603
Frost Bank 2710 La Frontera Blvd Round Rock, TX 78681 Full Service B&M $238,264
Frost Bank 2710 North Grandview Avenue Odessa, TX 79762 Full Service B&M $156,222
Frost Bank 2710 West Lake Houston Parkway Ste 100 Kingwood, TX 77339 Full Service B&M $8,628
Frost Bank 2715 Cypress Creek Parkway Houston, TX 77068 Full Service B&M $124,713
Frost Bank 3525 Far West Boulevard Austin, TX 78731 Full Service B&M $749,284
Frost Bank 3600 F.M. 1092 Missouri City, TX 77459 Full Service B&M $128,055
Frost Bank 3671 South Main Street Stafford, TX 77477 Full Service B&M $286,123
Frost Bank 3704 West Camp Wisdom Road, Suite 130 Dallas, TX 75237 Full Service B&M $1,720
Frost Bank 3707 Richmond Avenue Houston, TX 77046 Full Service B&M $360,633
Frost Bank 3801 Matlock Road Arlington, TX 76015 Full Service B&M $518,456
Frost Bank 3801 South Alameda Corpus Christi, TX 78411 Full Service B&M $153,854
Frost Bank 3803 Nw Loop 410 San Antonio, TX 78229 Full Service B&M $400,394
Frost Bank 3838 Rogers Road San Antonio, TX 78251 Full Service B&M $3,961
Frost Bank 3851 Northeast Loop 820 Fort Worth, TX 76137 Full Service B&M $186,175
Frost Bank 3859 Camp Bowie Boulevard Fort Worth, TX 76107 Full Service B&M $292,837
Frost Bank 401 Congress Avenue Austin, TX 78701 Full Service B&M $1,556,667
Frost Bank 4101 Highway 77 L-1 Corpus Christi, TX 78410 Full Service B&M $84,334
Frost Bank 508 West Wall Street Suite 100 Midland, TX 79701 Full Service B&M $710,617
Frost Bank 510 East Ridge Road Mcallen, TX 78503 Full Service B&M $136,830
Frost Bank 515 Sw Military Drive San Antonio, TX 78221 Full Service B&M $51,188
Frost Bank 5208 West Broadway Pearland, TX 77581 Full Service B&M $188,845
Frost Bank 5480 Paredes Line Road Brownsville, TX 78526 Full Service B&M $102,363
Frost Bank 5500 West Arkansas Lane Arlington, TX 76016 Full Service B&M $105,047
Frost Bank 5651 Bryant Irvin Road Fort Worth, TX 76132 Full Service B&M $228,881
Frost Bank 5656 Bee Cave Road Austin, TX 78746 Full Service B&M $407,784
Frost Bank 5925 Kirby Drive Houston, TX 77005 Full Service B&M $1,461,225
Frost Bank 600 W Sam Houston Pkwy North Ste 730 Houston, TX 77024 Full Service B&M $222,068
Frost Bank 605 Canyon Ridge Drive Austin, TX 78753 Full Service B&M $87,771
Frost Bank 6115 Camp Bowie Boulevard Fort Worth, TX 76116 Full Service B&M $373,258
Frost Bank 620 Highway 6 Sugar Land, TX 77478 Full Service B&M $211,039
Frost Bank 734 N.W. Loop 410 San Antonio, TX 78216 Full Service B&M $598,133
Frost Bank 7444 South Padre Island Drive Corpus Christi, TX 78412 Full Service B&M $268,771
Frost Bank 7502 Westheimer Rd Houston, TX 77063 Full Service B&M $84,966
Frost Bank 7592 Cypress Creek Parkway Houston, TX 77070 Full Service B&M $9,303
Frost Bank 7602 North Navarro Street Victoria, TX 77904 Full Service B&M $66,878
Frost Bank 7702 Louis Pasteur San Antonio, TX 78229 Full Service B&M $293,940
Frost Bank 7859 Walnut Hill Lane Suite 100 Dallas, TX 75230 Full Service B&M $74,130
Frost Bank 7914 Culebra Road, Suite 100 San Antonio, TX 78251 Full Service B&M $119,324
Frost Bank 800 W Wadley Midland, TX 79705 Full Service B&M $193,822
Frost Bank 801 North Texas Street Odessa, TX 79761 Full Service B&M $100,974
Frost Bank 8201 Preston Road, Suite 180 Dallas, TX 75225 Full Service B&M $494,139
Frost Bank 8360 Long Point Road Houston, TX 77055 Full Service B&M $22,038
Frost Bank 8501 Davis Blvd North Richland Hills, TX 76182 Full Service B&M $77,445
Frost Bank 1000 Walnut Creek Drive Mansfield, TX 76063 Full Service B&M $391,976
Frost Bank 1001 Broadway Street Houston, TX 77012 Full Service B&M $202,624
Frost Bank 1005 Waugh Drive, Suite A Houston, TX 77019 Full Service B&M $30,682
Frost Bank 101 East Abram Street, Suite 160 Arlington, TX 76010 Full Service B&M $0
Frost Bank 1010 North Westgate Drive Weslaco, TX 78596 Full Service B&M $238,770
Frost Bank 3501 Faudree Rd. Odessa, TX 79765 Full Service B&M $196,552
Frost Bank 12607 Blanco Road San Antonio, TX 78216 Full Service B&M $253,011
Frost Bank 1300 South Main Boerne, TX 78006 Full Service B&M $664,919
Frost Bank 13191 Northwest Freeway Houston, TX 77040 Full Service B&M $227,417
Frost Bank 13201 Fry Road, Suite 100 Cypress, TX 77433 Full Service B&M $15,087
Frost Bank 13226 Vance Jackson San Antonio, TX 78249 Full Service B&M $160,378
Frost Bank 13523 West Interstate Highway 10 San Antonio, TX 78249 Limited, Drive-thru $0
Frost Bank 13630 East Freeway, Suite 300 Houston, TX 77015 Full Service B&M $13,869
Frost Bank 14201 South Padre Island Drive Corpus Christi, TX 78418 Full Service B&M $89,165
Frost Bank 14310 Fm 2920 Tomball, TX 77377 Full Service B&M $35,105
Frost Bank 1450 E Whitestone Blvd Cedar Park, TX 78613 Full Service B&M $122,587
Frost Bank 14637 Memorial Drive Houston, TX 77079 Full Service B&M $9,202
Frost Bank 150 East Hwy 67 Duncanville, TX 75137 Full Service B&M $48,426
Frost Bank 1500 North Wayside Drive Houston, TX 77020 Full Service B&M $241,911
Frost Bank 201 South Fm 270, Suite 100 League City, TX 77573 Full Service B&M $25,014
Frost Bank 21011 Us Highway 281 North San Antonio, TX 78258 Full Service B&M $183,658
Frost Bank 2120 Spring Stuebner Road Suite 630 Spring, TX 77389 Full Service B&M $11,640
Frost Bank 215 East Shore Drive Spring, TX 77380 Full Service B&M $55,044
Frost Bank 21875 Katy Freeway Katy, TX 77450 Full Service B&M $14,552
Frost Bank 2200 North Frazier Street, Suite 100 Conroe, TX 77301 Full Service B&M $27,549
Frost Bank 2201 Market Street Galveston, TX 77550 Full Service B&M $154,756
Frost Bank 221 Wonder World Drive San Marcos, TX 78666 Full Service B&M $178,281
Frost Bank 2240 Navigation Blvd Suite 400 Houston, TX 77003 Full Service B&M $91,625
Frost Bank 231 North Guadalupe Street, Suite 110 San Marcos, TX 78666 Full Service B&M $301,898
Frost Bank 2321 North Tenth Street Mcallen, TX 78501 Limited, Drive-thru $0
Frost Bank 234 West Nasa Parkway Webster, TX 77598 Full Service B&M $155,711
Frost Bank 23519 Brazos Town Crossing Rosenberg, TX 77471 Full Service B&M $8,810
Frost Bank 2950 North Harwood Street, Suite 100 Dallas, TX 75201 Full Service B&M $1,065,216
Frost Bank 2982 Fulton Street Houston, TX 77009 Full Service B&M $1,635
Frost Bank 300 West 9th Street Austin, TX 78701 Limited, Drive-thru $0
Frost Bank 3000 Alta Mesa Boulevard Fort Worth, TX 76133 Full Service B&M $295,015
Frost Bank 3000 S. Hulen Street, Suite 182 Fort Worth, TX 76109 Full Service B&M $207,634
Frost Bank 314 South Ww White Road, Suite 104 San Antonio, TX 78219 Full Service B&M $16,381
Frost Bank 315 Landa Street New Braunfels, TX 78130 Full Service B&M $465,668
Frost Bank 3201 E. Sam Houston Pkwy South Pasadena, TX 77505 Full Service B&M $47,678
Frost Bank 3304 W Sam Houston Pky S Houston, TX 77042 Full Service B&M $304,712
Frost Bank 3426 Garth Road Baytown, TX 77521 Full Service B&M $904
Frost Bank 3432 Scott Street Houston, TX 78205 Full Service B&M $27,081
Frost Bank 350 Westpark Way Suite 202 Euless, TX 76040 Full Service B&M $140,021
Frost Bank 3500 Little York Road, Suite B-1a Houston, TX 77093 Full Service B&M $6,865
Frost Bank 4101 North Midland Drive Midland, TX 79707 Full Service B&M $79,483
Frost Bank 4202 South New Braunfels San Antonio, TX 78223 Full Service B&M $165,624
Frost Bank 4214 Thousand Oaks Drive San Antonio, TX 78217 Full Service B&M $101,541
Frost Bank 4301 West William Cannon Drive Austin, TX 78749 Full Service B&M $177,903
Frost Bank 4321 W Sam Houston Pkwy North, Suite 100 Houston, TX 77043 Full Service B&M $58,594
Frost Bank 4425 State Highway 6 South College Station, TX 77845 Full Service B&M $14,329
Frost Bank 4606 North Shepherd Drive Houston, TX 77018 Full Service B&M $47,929
Frost Bank 4718 Colleyville Blvd, Suite 100 Colleyville, TX 76034 Full Service B&M $297,290
Frost Bank 4900 Windsor Hill San Antonio, TX 78239 Full Service B&M $246,066
Frost Bank 500 West Broadway Portland, TX 78374 Full Service B&M $225,309
Frost Bank 501 South Shoreline Blvd Corpus Christi, TX 78401 Full Service B&M $625,808
Frost Bank 5021 W. Park Blvd Plano, TX 75093 Full Service B&M $276,439
Frost Bank 5055 Edwards Ranch Road Fort Worth, TX 76109 Full Service B&M $135,559
Frost Bank 6230 South Staples Street Corpus Christi, TX 78413 Full Service B&M $288,996
Frost Bank 628 East 11th Street Houston, TX 77008 Full Service B&M $31,466
Frost Bank 6305 Precinct Line Road, Suite 100 North Richland Hills, TX 76180 Full Service B&M $70,753
Frost Bank 6312 La Vista Dr. Dallas, TX 75214 Full Service B&M $145,176
Frost Bank 6321 Hillcrest Avenue Dallas, TX 75205 Full Service B&M $78,807
Frost Bank 640 Taylor Street, Suite 1000 Fort Worth, TX 76102 Full Service B&M $2,082,263
Frost Bank 641 East Southlake Blvd Southlake, TX 76092 Full Service B&M $241,938
Frost Bank 6750 West Loop South Bellaire, TX 77401 Full Service B&M $337,633
Frost Bank 6801 Stewart Road Galveston, TX 77551 Full Service B&M $68,855
Frost Bank 700 E. Campbell Road, Suite 130 Richardson, TX 75081 Full Service B&M $126,899
Frost Bank 7009 Fm 1960 East Humble, TX 77346 Full Service B&M $11,606
Frost Bank 701 Jefferson Houston, TX 77002 Limited, Drive-thru $456,363
Frost Bank 8502b Main Street Houston, TX 77025 Full Service B&M $33,890
Frost Bank 9001 Airport Freeway Suite 100 North Richland Hills, TX 76180 Full Service B&M $210,349
Frost Bank 901 West Seventh Street Fort Worth, TX 76102 Limited, Drive-thru $0
Frost Bank 9090 Fair Oaks Parkway Fair Oaks Ranch, TX 78015 Full Service B&M $228,986
Frost Bank 975 William D. Tate Grapevine, TX 76051 Full Service B&M $211,857
Frost Bank 9990 Almeda Genoa Houston, TX 77075 Full Service B&M $5,227
Frost Bank 102 North Denton Tap Road Coppell, TX 75019 Full Service B&M $251,619
Frost Bank 10215 Wurzbach San Antonio, TX 78230 Full Service B&M $553,312
Frost Bank 10420 Louetta Rd, Ste 120 Houston, TX 77070 Full Service B&M $110,031
Frost Bank 10767 Kuykendahl Rd The Woodlands, TX 77382 Full Service B&M $67,214
Frost Bank 10915 Pecan Park Blvd Austin, TX 78750 Full Service B&M $151,122
Frost Bank 110 Austin Highway San Antonio, TX 78209 Full Service B&M $630,250
Frost Bank 111 East Anderson Lane Austin, TX 78752 Full Service B&M $163,904
Frost Bank 111 W Houston St San Antonio, TX 78205 Limited, Mobile/Seasonal Office $0
Frost Bank 111 W Houston Street San Antonio, TX 78205 Limited, Mobile/Seasonal Office $0
Frost Bank 111 W Houston Street San Antonio, TX 78205 Limited, Mobile/Seasonal Office $0
Frost Bank 111 W Houston Street San Antonio, TX 78205 Limited, Mobile/Seasonal Office $0
Frost Bank 111 West Houston Street San Antonio, TX 78205 Limited, Mobile/Seasonal Office $0

For 2021, Frost Bank had 167 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $1,011,410
Net interest income $994,650
Total noninterest income $385,220
Gross Fiduciary activities income $117,450
Service charges on deposit accounts $76,166
Trading account gains and fees $13,812
Additional Noninterest Income $177,792
Pre-tax net operating income $503,290
Securities gains (or losses, -) $69
Income before extraordinary items $452,090
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $452,090
Minority interest net income $0
Net income $452,090
Sale, conversion, retirement of capital stock, net $0
Net operating income $452,027

Frost Bank's gross interest income from loans was $1,011,410,000.
Frost Bank's net interest income from loans was $994,650,000.
Frost Bank's fee based income from loans was $76,166,000.
Frost Bank's net income from loans was $452,090,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $16,760
Provision for credit losses $63
Total noninterest expense $876,517
Salaries and employee benefits $482,736
Premises and equipment expense $146,306
Additional noninterest expense $247,475
Applicable income taxes $51,269
Net charge-offs $8,414
Cash dividends $219,386

Frost Bank's interest expense for loans was $16,760,000.
Frost Bank's payroll and benefits expense were $482,736,000.
Frost Bank's property, plant and equipment expenses $146,306,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
All other family 0.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 0.0%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $43,224,776
Deposits held in domestic offices $43,224,776
Deposits by Individuals, partnerships, and corporations $40,860,063
Deposits by U.S. Government $205
Deposits by States and political subdivisions in the U.S. $2,045,889
Deposits by Commercial banks and other depository institutions in U.S. $317,881
Deposits by Banks in foreign countries $738
Deposits by Foreign governments and official institutions $0
Transaction accounts $4,098,621
Demand deposits $3,511,701
Nontransaction accounts $39,126,155
Money market deposit accounts (MMDAs) $35,792,309
Other savings deposits (excluding MMDAs) $2,220,942
Total time deposits $1,112,904
Total time and savings deposits $39,713,075
Noninterest-bearing deposits $18,952,098
Interest-bearing deposits $24,272,678
Retail deposits $42,792,168
IRAs and Keogh plan accounts $159,424
Brokered deposits $0
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $50,953,666
Cash & Balances due from depository institutions $16,546,880
Interest-bearing balances $15,985,244
Total securities $15,631,447
Federal funds sold & reverse repurchase $41,978
Net loans and leases $16,087,766
Loan and leases loss allowance $248,666
Trading account assets $184,261
Bank premises and fixed assets $1,050,331
Other real estate owned $3,391
Goodwill and other intangibles $653,534
All other assets $754,078

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $50,953,666
Total Liabilities $46,738,031
Total deposits $43,224,776
Interest-bearing deposits $24,272,678
Deposits held in domestic offices $43,224,776
% insured (estimated) $44
Federal funds purchased and repurchase agreements $2,766,724
Trading liabilities $138,543
Other borrowed funds $0
Subordinated debt $0
All other liabilities $607,988

Issued Loan Types

Type Value (in 000's)
Net loans and leases $16,087,766
Loan and leases loss allowance $248,666
Total loans and leases (domestic) $16,336,432
All real estate loans $8,988,202
Real estate loans in domestic offices $8,988,202
Construction and development loans $1,717,321
Residential 1-4 family construction $277,181
Other construction, all land development and other land $1,440,140
Loans secured by nonfarm nonresidential properties $5,418,489
Nonfarm nonresidential secured by owner-occupied properties $1,897,361
Commercial real estate & other non-farm, non-residential $3,521,128
Multifamily residential real estate $277,713
1-4 family residential loans $1,549,958
Farmland loans $24,721
Loans held in foreign offices $0
Farm loans $23,217
Commercial and industrial loans $5,948,261
To non-U.S. addressees $16,814
Loans to individuals $470,064
Credit card loans $0
Related Plans $372,338
Consumer Auto Loans $13,983
Other loans to individuals $83,743
All other loans & leases $906,688
Loans to foreign governments and official institutions $0
Other loans $427,205
Loans to depository institutions and acceptances of other banks $778
Loans not secured by real estate $30,463
Loans secured by real estate to non-U.S. addressees $2,272
Restructured Loans & leases $306
Non 1-4 family restructured loans & leases $306
Total loans and leases (foreign) $0

Frost Bank had $16,087,766,000 of loans outstanding in 2021. $8,988,202,000 of loans were in real estate loans. $1,717,321,000 of loans were in development loans. $277,713,000 of loans were in multifamily mortgage loans. $1,549,958,000 of loans were in 1-4 family mortgage loans. $23,217,000 of loans were in farm loans. $0 of loans were in credit card loans. $13,983,000 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 2,194 $734,597 $334,821
Nonfarm, nonresidential loans - <$100k 109 $4,998 $45,853
Nonfarm, nonresidential loans - $100-250k 580 $75,199 $129,653
Nonfarm, nonresidential loans - $250k-1MM 1,505 $654,400 $434,817
Commercial & Industrial, US addressed loans - <$1MM 10,419 $1,167,917 $112,095
Commercial & Industrial, US addressed loans - <$100k 6,330 $176,150 $27,828
Commercial & Industrial, US addressed loans - $100-250k 1,900 $221,073 $116,354
Commercial & Industrial, US addressed loans - $250k-1MM 2,189 $770,694 $352,076
Farmland loans - <$1MM 6 $1,312 $218,667
Farmland loans - $100-250k 3 $380 $126,667
Farmland loans - $250k-1MM 3 $932 $310,667
Agriculture operations loans - <$1MM 17 $681 $40,059
Agriculture operations loans - <$100k 13 $184 $14,154
Agriculture operations loans - $100-250k 3 $327 $109,000
Agriculture operations loans - $250k-1MM 1 $170 $170,000