Frost Bank Mortgage Rates, Fees & Info

San Antonio, TX

LEI: G5AHTAP80NWA3Q8RDC78

Tax ID: 74-0635455

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Frost Bank is a smaller bank specializing in Home Improvement, Home Purchase, and Refi loans. Frost Bank has a high proportion of conventional loans. Their top markets by origination volume include: Dallas, Austin, San Antonio, Houston, and Midland among others. We have data for 27 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Frost Bank has a below average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 4/28/24
    30 Year Conventional Purchase 6.27% 4/28/24
    30 Year Conventional Refi 6.27% 4/28/24
    15 Year Conventional Purchase 6.12% 4/28/24
    15 Year Conventional Refi 6.24% 4/28/24
    15 Year Cash-out Refi 6.24% 4/28/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Frost Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Frost Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    2,027

    Origination Dollar Volume (All Markets)

    $276,045,000

    Employee count

    4,370

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 878 $110,770,000 $126,162 $286 5.54%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 345 $62,925,000 $182,391 $501 5.51%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 348 $40,420,000 $116,149 $256 5.45%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 301 $38,595,000 $128,223 $292 5.45%
    MIDLAND, TX (FHA|USDA|VA) 26 $4,840,000 $186,154 $355 5.62%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 45 $4,805,000 $106,778 $122 5.60%
    Glenwood Springs, CO (FHA|USDA|VA) 1 $2,925,000 $2,925,000 $0 5.50%
    Outside of Metro Areas 19 $2,695,000 $141,842 $481 5.56%
    ODESSA, TX (FHA|USDA|VA) 12 $1,840,000 $153,333 $265 5.37%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 10 $1,650,000 $165,000 $1,208 5.01%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 19 $1,335,000 $70,263 $38 5.32%
    LUBBOCK, TX (FHA|USDA|VA) 1 $925,000 $925,000 $0 5.80%
    Kerrville, TX (FHA|USDA|VA) 2 $560,000 $280,000 $143 5.55%
    Jacksonville, TX (FHA|USDA|VA) 1 $505,000 $505,000 $0 4.74%
    Granbury, TX (FHA|USDA|VA) 3 $165,000 $55,000 $48 5.48%
    Bonham, TX (FHA|USDA|VA) 1 $135,000 $135,000 $143 5.60%
    Rockport, TX (FHA|USDA|VA) 1 $125,000 $125,000 $143 5.38%
    MADISON, WI (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.49%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 4 $120,000 $30,000 $48 6.18%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $115,000 $115,000 $143 5.60%
    Uvalde, TX (FHA|USDA|VA) 1 $85,000 $85,000 $1,347 5.41%
    Raymondville, TX (FHA|USDA|VA) 1 $85,000 $85,000 $500 5.40%
    TYLER, TX (FHA|USDA|VA) 2 $80,000 $40,000 $143 5.73%
    Athens, TX (FHA|USDA|VA) 1 $75,000 $75,000 $363 5.49%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $75,000 $75,000 $143 5.60%
    Beeville, TX (FHA|USDA|VA) 1 $35,000 $35,000 $143 5.60%
    Andrews, TX (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.38%
    Frost Bank's top markets include Dallas, Austin, San Antonio, Houston, and Midland among others.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Frost Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    SOUTHERN LENDING SERVICES, LTD.
    Similarity Rank: 86
    NEIGHBORHOOD
    Similarity Rank: 200
    TEXANS
    Similarity Rank: 416
    AMERICAN HERITAGE CAPITAL, L.P.
    Similarity Rank: 780
    First Commercial Bank
    Similarity Rank: 1122
    Generations Community Federal Credit Union
    Similarity Rank: 1133
    ASCENT HOME LENDING, LLC
    Similarity Rank: 1220
    HIGHLAND HOMELOANS, LLC
    Similarity Rank: 1326
    CAPITAL PLUS FINANCIAL, LLC
    Similarity Rank: 1329
    DATCU
    Similarity Rank: 1440

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,345 $147,525,000 $109,684 $316 5.42%
    HELOC 682 $128,520,000 $188,446 n/a 5.66%

    For 2018, Frost Bank's most frequently originated type of loan was Conventional, with 1,345 originations. Their 2nd most popular type was HELOC, with 682 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 887 $82,305,000 $92,790 $217 5.55%
    Home Purchase 438 $75,060,000 $171,370 $711 5.41%
    Refi 357 $67,725,000 $189,706 $211 5.39%
    Other 345 $50,955,000 $147,696 $126 5.61%

    For 2018, Frost Bank's most frequently cited loan purpose was Home Improvement, with 887 originations. The 2nd most popular reason was Home Purchase, with 438 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    20 Year 890 $158,320,000 $177,888 $396 5.61%
    15 Year 672 $56,280,000 $83,750 $365 5.44%
    10 Year 224 $14,240,000 $63,571 $48 5.23%
    Other 209 $32,865,000 $157,249 $362 5.44%
    5 Year 15 $7,895,000 $526,333 $0 5.88%
    3 Year 12 $5,000,000 $416,667 $0 6.05%
    1 Year 5 $1,445,000 $289,000 $0 6.65%

    For 2018, Frost Bank's most frequently cited loan duration was 20 Year, with 890 originations. The 2nd most popular length was 15 Year, with 672 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,293 $126,735,000 $98,016
    $1k-2k 8 $4,100,000 $512,500

    Frost Bank's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,293 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 1,644 $206,360,000 $125,523
    4-5% 250 $58,930,000 $235,720
    6-7% 130 $10,040,000 $77,231
    7-8% 3 $715,000 $238,333

    During 2018, Frost Bank's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 5-6%, with 1,644 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,149 $63,675,000 $55,418 $206 5.55%
    $100k-200k 483 $67,975,000 $140,735 $286 5.51%
    $200k-400k 287 $72,815,000 $253,711 $499 5.42%
    $400k-600k 76 $35,750,000 $470,395 $1,256 5.17%
    $600k-1MM 21 $15,875,000 $755,952 $7,063 5.19%
    $1MM+ 11 $19,955,000 $1,814,091 $12,165 5.08%

    2018 saw Frost Bank place emphasis on $100,000 or less loans with 1,149 originations, totaling $63,675,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 595 $76,285,000 $128,210 $350 5.50%
    $250k+ 449 $98,735,000 $219,900 $609 5.43%
    $100k-150k 444 $44,410,000 $100,023 $220 5.55%
    $75k-100k 191 $17,005,000 $89,031 $194 5.56%
    $50k-75k 151 $11,995,000 $79,437 $72 5.50%
    $50k or less 118 $6,430,000 $54,492 $10 5.44%

    Frost Bank lent most frequently to those with incomes in the $150k-250k range, with 595 originations. The second most popular income band? $250k+, with 449 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 522 $65,510,000 $125,498 $278 5.50%
    30-36% 364 $42,040,000 $115,495 $226 5.49%
    <20% 299 $53,805,000 $179,950 $481 5.47%
    36% 68 $8,870,000 $130,441 $505 5.57%
    38% 66 $7,350,000 $111,364 $303 5.46%
    50-60% 63 $7,925,000 $125,794 $446 5.57%
    37% 63 $8,695,000 $138,016 $254 5.48%
    49% 61 $7,915,000 $129,754 $293 5.52%
    40% 56 $6,780,000 $121,071 $281 5.55%
    39% 56 $4,840,000 $86,429 $284 5.55%
    44% 54 $5,350,000 $99,074 $399 5.50%
    47% 51 $6,495,000 $127,353 $212 5.50%
    46% 49 $6,005,000 $122,551 $324 5.43%
    48% 47 $6,565,000 $139,681 $335 5.41%
    45% 45 $5,745,000 $127,667 $495 5.51%
    43% 44 $6,360,000 $144,545 $295 5.42%
    41% 41 $4,285,000 $104,512 $274 5.50%
    42% 40 $5,430,000 $135,750 $354 5.51%

    Frost Bank lent most frequently to those with DTI ratios of 20-30%, with 522 originations. The next most common DTI ratio? 30-36%, with 364 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,654 $219,220,000 $132,539 $316 5.51%
    Not provided 236 $26,740,000 $113,305 $245 5.44%
    Not applicable 33 $15,315,000 $464,091 $0 6.00%
    Asian 33 $5,785,000 $175,303 $413 5.33%
    Black 46 $4,650,000 $101,087 $222 5.54%
    Asian Indian 11 $1,775,000 $161,364 $571 5.23%
    Other Asian 2 $1,350,000 $675,000 $5,372 5.15%
    American Indian 7 $815,000 $116,429 $138 5.45%
    Japanese 2 $140,000 $70,000 $0 5.45%
    Vietnamese 1 $135,000 $135,000 $0 5.74%
    Chinese 1 $75,000 $75,000 $143 5.24%
    1 $45,000 $45,000 $0 4.99%

    Approval Rates

    Total approvals of all applications
    65.32%

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

    Pick Rate

    Approvals leading to origination
    92.75%

    Frost Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,027 $276,045,000 $136,184

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 7 $6,515,000 $930,714
    Single Family (1-4 Units):Site-Built 2,020 $269,530,000 $133,431

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 634 $86,320,000 $136,151 $279 5.49%
    40-60% 195 $41,025,000 $210,385 $457 5.44%
    60-80% 204 $64,760,000 $317,451 $633 5.31%
    80-100% 89 $22,195,000 $249,382 $345 5.48%
    Over 100% 4 $610,000 $152,500 $0 5.90%
    Under 20% 901 $61,135,000 $67,852 $281 5.57%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Problem with a credit reporting company's investigation into an existing problem 1 7.1%
    FIRST HORIZON BANK Other type of mortgage Trouble during payment process 1 7.1%
    FIRST HORIZON BANK Conventional home mortgage Struggling to pay mortgage 3 21.4%
    FIRST HORIZON BANK Conventional home mortgage Trouble during payment process 5 35.7%
    FIRST HORIZON BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    FIRST HORIZON BANK FHA mortgage Trouble during payment process 1 7.1%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Incorrect information on your report 1 7.1%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Trouble during payment process 1 7.1%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Frost Bank 100 W Houston St San Antonio, TX 78205 Limited, Mobile/Seasonal Office $0
    Frost Bank 100 W Houston Street San Antonio, TX 78205 Limited, Mobile/Seasonal Office $0
    Frost Bank 100 W Houston Street San Antonio, TX 78205 Limited, Mobile/Seasonal Office $0
    Frost Bank 100 W Houston Street San Antonio, TX 78205 Limited, Mobile/Seasonal Office $0
    Frost Bank 100 West Houston Street San Antonio, TX 78205 Limited, Mobile/Seasonal Office $0
    Frost Bank 100 West Houston Street San Antonio, TX 78205 Limited, Mobile/Seasonal Office $0
    Frost Bank 100 West Houston Street San Antonio, TX 78205 Full Service B&M $3,052,390
    Frost Bank 1000 Walnut Creek Drive Mansfield, TX 76063 Full Service B&M $214,922
    Frost Bank 1001 Broadway Street Houston, TX 77012 Full Service B&M $158,323
    Frost Bank 1011 Highway 80 San Marcos, TX 78666 Limited, Drive-thru $0
    Frost Bank 102 North Denton Tap Road Coppell, TX 75019 Full Service B&M $172,761
    Frost Bank 10215 Wurzbach San Antonio, TX 78230 Full Service B&M $518,576
    Frost Bank 10767 Kuykendahl Rd The Woodlands, TX 77382 Full Service B&M $34,146
    Frost Bank 10915 Pecan Park Blvd Austin, TX 78750 Full Service B&M $98,098
    Frost Bank 110 Austin Highway San Antonio, TX 78209 Full Service B&M $498,402
    Frost Bank 111 East Anderson Lane Austin, TX 78752 Full Service B&M $96,587
    Frost Bank 1111 W Belt Line Rd. Suite 110 Carrollton, TX 75006 Full Service B&M $35,921
    Frost Bank 11201 Broadway Pearland, TX 77584 Full Service B&M $45,012
    Frost Bank 11555 Bandera Road San Antonio, TX 78250 Full Service B&M $164,729
    Frost Bank 1162 North Loop 1604 West San Antonio, TX 78248 Full Service B&M $183,672
    Frost Bank 11701 Plano Road Dallas, TX 75243 Full Service B&M $30,868
    Frost Bank 120 South East Street Arlington, TX 76010 Limited, Drive-thru $0
    Frost Bank 1200 Barbara Jordan Blvd, Ste. 200 Austin, TX 78723 Full Service B&M $84,812
    Frost Bank 1206 West 38th Street, Suite 1101 Austin, TX 78705 Full Service B&M $125,290
    Frost Bank 1234 Clear Lake City Boulevard Houston, TX 77062 Full Service B&M $81,800
    Frost Bank 1240 Keller Parkway, Suite 100 Keller, TX 76248 Full Service B&M $188,343
    Frost Bank 1250 Northeast Loop 410 San Antonio, TX 78209 Full Service B&M $526,010
    Frost Bank 12532 Fm 2244 Road Bee Caves, TX 78738 Full Service B&M $31,213
    Frost Bank 12607 Blanco Road San Antonio, TX 78216 Full Service B&M $181,566
    Frost Bank 1300 South Main Boerne, TX 78006 Full Service B&M $407,930
    Frost Bank 13191 Northwest Freeway Houston, TX 77040 Full Service B&M $146,648
    Frost Bank 13226 Vance Jackson San Antonio, TX 78249 Full Service B&M $111,796
    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 $4,935
    Frost Bank 14201 South Padre Island Drive Corpus Christi, TX 78418 Full Service B&M $61,477
    Frost Bank 1450 E Whitestone Blvd Cedar Park, TX 78613 Full Service B&M $68,227
    Frost Bank 150 East Hwy 67 Duncanville, TX 75137 Full Service B&M $15,805
    Frost Bank 1500 North Wayside Drive Houston, TX 77020 Full Service B&M $153,637
    Frost Bank 1514 West Tyler Harlingen, TX 78550 Full Service B&M $141,519
    Frost Bank 15301 North Dallas Prkwy, #100 Addison, TX 75001 Full Service B&M $339,012
    Frost Bank 15455 Memorial Drive Suite 700 Houston, TX 77079 Full Service B&M $4,545
    Frost Bank 159 West Main Street Lewisville, TX 75057 Full Service B&M $18,068
    Frost Bank 16500 San Pedro Avenue San Antonio, TX 78232 Full Service B&M $253,132
    Frost Bank 16895 North Ih 35 Schertz, TX 78154 Full Service B&M $170,727
    Frost Bank 1700 Post Oak Blvd, Suite 120 Houston, TX 77056 Full Service B&M $392,399
    Frost Bank 18762 Stone Oak Parkway San Antonio, TX 78258 Full Service B&M $167,380
    Frost Bank 1881 Ballpark Way Arlington, TX 76006 Full Service B&M $84,041
    Frost Bank 201 East Shore Drive The Woodlands, TX 77380 Full Service B&M $19,476
    Frost Bank 21011 Us Highway 281 North San Antonio, TX 78258 Full Service B&M $89,052
    Frost Bank 2201 Market Street Galveston, TX 77550 Full Service B&M $115,899
    Frost Bank 221 Wonder World Drive San Marcos, TX 78666 Full Service B&M $87,165
    Frost Bank 2240 Navigation Blvd Houston, TX 77003 Full Service B&M $4,556
    Frost Bank 234 West Nasa Parkway Webster, TX 77598 Full Service B&M $115,341
    Frost Bank 23787 West Insterstate 10 San Antonio, TX 78257 Full Service B&M $21,747
    Frost Bank 2402 Leopard Street Corpus Christi, TX 78408 Full Service B&M $134,754
    Frost Bank 2421 East 7th Street Austin, TX 78702 Full Service B&M $7,346
    Frost Bank 2424 North Tenth Street Mcallen, TX 78501 Full Service B&M $263,809
    Frost Bank 2425 Exposition Blvd Austin, TX 78703 Full Service B&M $160,233
    Frost Bank 2443 Westheimer Rd Houston, TX 77098 Full Service B&M $116,257
    Frost Bank 2627 West Jefferson Blvd., Suite 314 Dallas, TX 75211 Full Service B&M $23,640
    Frost Bank 2700 North County Road West Odessa, TX 79764 Full Service B&M $162,812
    Frost Bank 2703 Southwest Military Highway San Antonio, TX 78224 Full Service B&M $92,850
    Frost Bank 2710 La Frontera Blvd Round Rock, TX 78681 Full Service B&M $131,155
    Frost Bank 2710 North Grandview Avenue Odessa, TX 79762 Full Service B&M $116,006
    Frost Bank 2715 Cypress Creek Parkway Houston, TX 77068 Full Service B&M $87,663
    Frost Bank 2950 North Harwood Street, Suite 100 Dallas, TX 75201 Full Service B&M $785,050
    Frost Bank 3000 Alta Mesa Boulevard Fort Worth, TX 76133 Full Service B&M $167,551
    Frost Bank 3000 S. Hulen Street, Suite 182 Fort Worth, TX 76109 Full Service B&M $90,272
    Frost Bank 314 South Ww White Road, Suite 104 San Antonio, TX 78219 Full Service B&M $4,183
    Frost Bank 315 Landa Street New Braunfels, TX 78130 Full Service B&M $310,673
    Frost Bank 320 S. Fredericksburg Street San Marcos, TX 78666 Full Service B&M $234,109
    Frost Bank 3201 E. Sam Houston Pkwy South Pasadena, TX 77505 Full Service B&M $5,736
    Frost Bank 3304 W Sam Houston Pky S Houston, TX 77042 Full Service B&M $128,036
    Frost Bank 350 Westpark Way Suite 202 Euless, TX 76040 Full Service B&M $75,991
    Frost Bank 3501 Faudree Rd. Odessa, TX 79765 Full Service B&M $106,182
    Frost Bank 3525 Far West Boulevard Austin, TX 78731 Full Service B&M $479,965
    Frost Bank 3600 F.M. 1092 Missouri City, TX 77459 Full Service B&M $90,963
    Frost Bank 3671 South Main Street Stafford, TX 77477 Full Service B&M $181,665
    Frost Bank 3707 Richmond Avenue Houston, TX 77046 Full Service B&M $142,908
    Frost Bank 3801 Matlock Road Arlington, TX 76015 Full Service B&M $403,696
    Frost Bank 3801 South Alameda Corpus Christi, TX 78411 Full Service B&M $126,607
    Frost Bank 3838 Rogers Road San Antonio, TX 78251 Full Service B&M $861
    Frost Bank 3851 Northeast Loop 820 Fort Worth, TX 76137 Full Service B&M $126,602
    Frost Bank 3859 Camp Bowie Boulevard Fort Worth, TX 76107 Full Service B&M $180,982
    Frost Bank 401 Congress Avenue Austin, TX 78701 Full Service B&M $1,058,824
    Frost Bank 4101 Highway 77 L-1 Corpus Christi, TX 78410 Full Service B&M $53,521
    Frost Bank 4101 North Midland Drive Midland, TX 79707 Full Service B&M $45,753
    Frost Bank 4202 South New Braunfels San Antonio, TX 78223 Full Service B&M $107,004
    Frost Bank 4214 Thousand Oaks Drive San Antonio, TX 78217 Full Service B&M $67,635
    Frost Bank 4215 South Staples Street Corpus Christi, TX 78411 Full Service B&M $249,815
    Frost Bank 4301 West William Cannon Drive Austin, TX 78749 Full Service B&M $87,699
    Frost Bank 4606 North Shepherd Drive Houston, TX 77018 Full Service B&M $12,949
    Frost Bank 4715 Fredericksburg Road San Antonio, TX 78229 Full Service B&M $260,066
    Frost Bank 4718 Colleyville Blvd, Suite 100 Colleyville, TX 76034 Full Service B&M $172,833
    Frost Bank 4900 Windsor Hill San Antonio, TX 78239 Full Service B&M $194,223
    Frost Bank 500 West Broadway Portland, TX 78374 Full Service B&M $194,155
    Frost Bank 5021 W. Park Blvd Plano, TX 75093 Full Service B&M $222,291
    Frost Bank 5055 Edwards Ranch Road Fort Worth, TX 76109 Full Service B&M $406,756
    Frost Bank 508 West Wall Street Suite 100 Midland, TX 79701 Full Service B&M $580,654
    Frost Bank 510 East Ridge Road Mcallen, TX 78503 Full Service B&M $76,697
    Frost Bank 515 Sw Military Drive San Antonio, TX 78221 Full Service B&M $34,110
    Frost Bank 5208 West Broadway Pearland, TX 77581 Full Service B&M $133,574
    Frost Bank 533 N. Alamo Rd. Alamo, TX 78516 Full Service B&M $199,045
    Frost Bank 5480 Paredes Line Road Brownsville, TX 78526 Full Service B&M $52,881
    Frost Bank 5500 West Arkansas Lane Arlington, TX 76016 Full Service B&M $57,931
    Frost Bank 5651 Bryant Irvin Road Fort Worth, TX 76132 Full Service B&M $132,248
    Frost Bank 5656 Bee Cave Road Austin, TX 78746 Full Service B&M $336,069
    Frost Bank 5925 Kirby Drive Houston, TX 77005 Full Service B&M $361,171
    Frost Bank 600 W Sam Houston Pkwy North Ste 730 Houston, TX 77024 Full Service B&M $136,184
    Frost Bank 601 Jefferson Street Houston, TX 77002 Full Service B&M $741,077
    Frost Bank 605 Canyon Ridge Drive Austin, TX 78753 Full Service B&M $59,252
    Frost Bank 6115 Camp Bowie Boulevard Fort Worth, TX 76116 Full Service B&M $231,819
    Frost Bank 620 Highway 6 Sugar Land, TX 77478 Full Service B&M $141,473
    Frost Bank 6230 South Staples Street Corpus Christi, TX 78413 Full Service B&M $202,026
    Frost Bank 6305 Precinct Line Road, Suite 100 North Richland Hills, TX 76180 Full Service B&M $12,580
    Frost Bank 6312 La Vista Dr. Dallas, TX 75214 Full Service B&M $53,941
    Frost Bank 6321 Hillcrest Avenue Dallas, TX 75205 Full Service B&M $44,019
    Frost Bank 640 Taylor Street, Suite 1000 Fort Worth, TX 76102 Full Service B&M $1,578,821
    Frost Bank 641 East Southlake Blvd Southlake, TX 76092 Full Service B&M $146,272
    Frost Bank 6410 Fannin Houston, TX 77030 Full Service B&M $159,565
    Frost Bank 6750 West Loop South Bellaire, TX 77401 Full Service B&M $241,422
    Frost Bank 6801 Stewart Road Galveston, TX 77551 Full Service B&M $50,559
    Frost Bank 700 E. Campbell Road, Suite 130 Richardson, TX 75081 Full Service B&M $93,862
    Frost Bank 734 N.W. Loop 410 San Antonio, TX 78216 Full Service B&M $397,407
    Frost Bank 7502 Westheimer Rd Houston, TX 77063 Full Service B&M $56,798
    Frost Bank 7702 Louis Pasteur San Antonio, TX 78229 Full Service B&M $227,358
    Frost Bank 7859 Walnut Hill Lane Suite 100 Dallas, TX 75230 Full Service B&M $18,001
    Frost Bank 7914 Culebra Road, Suite 100 San Antonio, TX 78251 Full Service B&M $64,295
    Frost Bank 800 W Wadley Midland, TX 79705 Full Service B&M $83,033
    Frost Bank 801 North Texas Street Odessa, TX 79761 Full Service B&M $92,680
    Frost Bank 802 North Carancahua St Corpus Christi, TX 78401 Full Service B&M $422,351
    Frost Bank 811 Main Street, Suite 100 Houston, TX 77002 Full Service B&M $243,857
    Frost Bank 8201 Preston Road, Suite 180 Dallas, TX 75225 Full Service B&M $285,634
    Frost Bank 8501 Davis Blvd North Richland Hills, TX 76182 Full Service B&M $81,914
    Frost Bank 9001 Airport Freeway Suite 100 North Richland Hills, TX 76180 Full Service B&M $169,165
    Frost Bank 901 West Seventh Street Fort Worth, TX 76102 Limited, Drive-thru $0
    Frost Bank 904 Lavaca Street Austin, TX 78701 Limited, Drive-thru $0
    Frost Bank 9090 Fair Oaks Parkway Fair Oaks Ranch, TX 78015 Full Service B&M $171,279
    Frost Bank 9300 Kirby Drive, Suite 600 Houston, TX 77054 Limited, Drive-thru $0
    Frost Bank 975 William D. Tate Grapevine, TX 76051 Full Service B&M $155,415
    Frost Bank 9821 Katy Freeway Houston, TX 77024 Full Service B&M $174,428

    For 2018, Frost Bank had 141 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $1,054,552
    Net interest income $969,366
    Total noninterest income $346,498
    Gross Fiduciary activities income $101,349
    Service charges on deposit accounts $80,996
    Trading account gains and fees $7,692
    Additional Noninterest Income $156,461
    Pre-tax net operating income $524,749
    Securities gains (or losses, -) $-156
    Income before extraordinary items $465,793
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $465,793
    Minority interest net income $0
    Net income $465,793
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $465,931

    Frost Bank's gross interest income from loans was $1,054,552,000.
    Frost Bank's net interest income from loans was $969,366,000.
    Frost Bank's fee based income from loans was $80,996,000.
    Frost Bank's net income from loans was $465,793,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $85,186
    Provision for credit losses $21,613
    Total noninterest expense $769,502
    Salaries and employee benefits $433,798
    Premises and equipment expense $111,751
    Additional noninterest expense $223,953
    Applicable income taxes $58,800
    Net charge-offs $44,845
    Cash dividends $223,371

    Frost Bank's interest expense for loans was $85,186,000.
    Frost Bank's payroll and benefits expense were $433,798,000.
    Frost Bank's property, plant and equipment expenses $111,751,000.

    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 1.0%
    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 $27,238,210
    Deposits held in domestic offices $27,238,210
    Deposits by Individuals, partnerships, and corporations $25,981,788
    Deposits by U.S. Government $6
    Deposits by States and political subdivisions in the U.S. $994,002
    Deposits by Commercial banks and other depository institutions in U.S. $258,892
    Deposits by Banks in foreign countries $3,522
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $2,606,060
    Demand deposits $2,007,164
    Nontransaction accounts $24,632,150
    Money market deposit accounts (MMDAs) $22,577,103
    Other savings deposits (excluding MMDAs) $1,192,327
    Total time deposits $862,720
    Total time and savings deposits $25,231,046
    Noninterest-bearing deposits $11,086,500
    Interest-bearing deposits $16,151,710
    Retail deposits $26,988,265
    IRAs and Keogh plan accounts $150,525
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $32,355,408
    Cash & Balances due from depository institutions $3,317,919
    Interest-bearing balances $2,641,971
    Total securities $12,450,688
    Federal funds sold & reverse repurchase $635,017
    Net loans and leases $13,967,601
    Loan and leases loss allowance $132,132
    Trading account assets $70,646
    Bank premises and fixed assets $551,078
    Other real estate owned $1,175
    Goodwill and other intangibles $656,316
    All other assets $704,968

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $32,355,408
    Total Liabilities $29,000,910
    Total deposits $27,238,210
    Interest-bearing deposits $16,151,710
    Deposits held in domestic offices $27,238,210
    % insured (estimated) $52
    Federal funds purchased and repurchase agreements $1,592,548
    Trading liabilities $44,787
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $125,365

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $13,967,601
    Loan and leases loss allowance $132,132
    Total loans and leases (domestic) $14,099,733
    All real estate loans $6,823,938
    Real estate loans in domestic offices $6,823,938
    Construction and development loans $1,585,250
    Residential 1-4 family construction $180,408
    Other construction, all land development and other land $1,404,842
    Loans secured by nonfarm nonresidential properties $3,855,553
    Nonfarm nonresidential secured by owner-occupied properties $1,318,977
    Commercial real estate & other non-farm, non-residential $2,536,576
    Multifamily residential real estate $132,348
    1-4 family residential loans $1,219,472
    Farmland loans $31,315
    Loans held in foreign offices $0
    Farm loans $23,886
    Commercial and industrial loans $5,604,339
    To non-U.S. addressees $21,574
    Loans to individuals $561,559
    Credit card loans $0
    Related Plans $465,258
    Consumer Auto Loans $14,394
    Other loans to individuals $81,907
    All other loans & leases $1,086,011
    Loans to foreign governments and official institutions $0
    Other loans $578,215
    Loans to depository institutions and acceptances of other banks $5,835
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $1,295
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Frost Bank had $13,967,601,000 of loans outstanding in 2018. $6,823,938,000 of loans were in real estate loans. $1,585,250,000 of loans were in development loans. $132,348,000 of loans were in multifamily mortgage loans. $1,219,472,000 of loans were in 1-4 family mortgage loans. $23,886,000 of loans were in farm loans. $0 of loans were in credit card loans. $14,394,000 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 2,264 $682,198 $301,324
    Nonfarm, nonresidential loans - <$100k 173 $8,313 $48,052
    Nonfarm, nonresidential loans - $100-250k 652 $80,675 $123,735
    Nonfarm, nonresidential loans - $250k-1MM 1,439 $593,210 $412,238
    Commercial & Industrial, US addressed loans - <$1MM 10,944 $1,053,729 $96,284
    Commercial & Industrial, US addressed loans - <$100k 6,097 $154,630 $25,362
    Commercial & Industrial, US addressed loans - $100-250k 2,168 $199,841 $92,178
    Commercial & Industrial, US addressed loans - $250k-1MM 2,679 $699,258 $261,015
    Farmland loans - <$1MM 13 $2,195 $168,846
    Farmland loans - <$100k 1 $59 $59,000
    Farmland loans - $100-250k 7 $629 $89,857
    Farmland loans - $250k-1MM 5 $1,507 $301,400
    Agriculture operations loans - <$1MM 7 $496 $70,857
    Agriculture operations loans - <$100k 4 $101 $25,250
    Agriculture operations loans - $100-250k 2 $275 $137,500
    Agriculture operations loans - $250k-1MM 1 $120 $120,000