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

Jump to:

  • 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, Houston, San Antonio, and Midland among others. We have data for 36 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% 12/16/24
    30 Year Conventional Purchase 6.27% 12/16/24
    30 Year Conventional Refi 6.27% 12/16/24
    15 Year Conventional Purchase 6.12% 12/16/24
    15 Year Conventional Refi 6.24% 12/16/24
    15 Year Cash-out Refi 6.24% 12/16/24
    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

    3,718

    Origination Dollar Volume (All Markets)

    $538,540,000

    Employee count

    4,659

    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) 1,533 $203,665,000 $132,854 $310 5.65%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 602 $112,120,000 $186,246 $544 5.60%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 692 $101,850,000 $147,182 $348 5.51%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 581 $71,745,000 $123,485 $239 5.41%
    MIDLAND, TX (FHA|USDA|VA) 67 $13,295,000 $198,433 $617 5.41%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $8,260,000 $4,130,000 $0 4.76%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 68 $7,570,000 $111,324 $46 5.31%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 43 $3,765,000 $87,558 $41 5.18%
    Outside of Metro Areas 22 $3,300,000 $150,000 $219 5.54%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 20 $1,500,000 $75,000 $94 5.12%
    Mineral Wells, TX (FHA|USDA|VA) 2 $1,210,000 $605,000 $0 5.62%
    Granbury, TX (FHA|USDA|VA) 9 $1,125,000 $125,000 $237 5.61%
    Kerrville, TX (FHA|USDA|VA) 5 $1,025,000 $205,000 $405 5.62%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 13 $1,005,000 $77,308 $79 5.86%
    ODESSA, TX (FHA|USDA|VA) 8 $960,000 $120,000 $200 5.69%
    Brenham, TX (FHA|USDA|VA) 5 $915,000 $183,000 $130 5.08%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 3 $835,000 $278,333 $586 5.32%
    Athens, TX (FHA|USDA|VA) 7 $715,000 $102,143 $367 5.67%
    Fredericksburg, TX (FHA|USDA|VA) 4 $590,000 $147,500 $71 5.17%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 9 $515,000 $57,222 $168 5.70%
    Rockport, TX (FHA|USDA|VA) 3 $375,000 $125,000 $143 6.11%
    Gainesville, TX (FHA|USDA|VA) 3 $275,000 $91,667 $743 6.11%
    VICTORIA, TX (FHA|USDA|VA) 4 $270,000 $67,500 $71 5.93%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $245,000 $245,000 $1,028 5.24%
    WACO, TX (FHA|USDA|VA) 1 $235,000 $235,000 $0 5.99%
    Big Spring, TX (FHA|USDA|VA) 1 $215,000 $215,000 $0 5.95%
    Bonham, TX (FHA|USDA|VA) 1 $205,000 $205,000 $0 6.24%
    LONGVIEW, TX (FHA|USDA|VA) 1 $175,000 $175,000 $0 6.24%
    SAN ANGELO, TX (FHA|USDA|VA) 1 $115,000 $115,000 $0 6.71%
    El Campo, TX (FHA|USDA|VA) 1 $115,000 $115,000 $0 6.24%
    Andrews, TX (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.24%
    Raymondville, TX (FHA|USDA|VA) 1 $85,000 $85,000 $1,860 4.42%
    Huntsville, TX (FHA|USDA|VA) 1 $55,000 $55,000 $381 4.99%
    Sulphur Springs, TX (FHA|USDA|VA) 1 $45,000 $45,000 $815 5.12%
    Pearsall, TX (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.20%
    Stephenville, TX (FHA|USDA|VA) 1 $35,000 $35,000 $668 5.60%
    Frost Bank's top markets include Dallas, Austin, Houston, San Antonio, and Midland among others.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • Florida (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: 220
    AAXY L.L.C.
    Similarity Rank: 672
    SMART CHOICE MORTGAGE, A TEXAS LIMITED LIABILITY C
    Similarity Rank: 756
    FC LENDING, LTD.
    Similarity Rank: 815
    Resource One Credit Union
    Similarity Rank: 1140
    TEXANS
    Similarity Rank: 1204
    NEIGHBORHOOD
    Similarity Rank: 1228
    PIKE CREEK MORTGAGE SERVICES, INC.
    Similarity Rank: 1368
    CAPITAL PLUS FINANCIAL, LLC
    Similarity Rank: 1539
    U S WIDE FINANCIAL LLC
    Similarity Rank: 1617

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,408 $275,700,000 $114,493 $332 5.33%
    HELOC 1,310 $262,840,000 $200,641 n/a 5.98%

    For 2019, Frost Bank's most frequently originated type of loan was Conventional, with 2,408 originations. Their 2nd most popular type was HELOC, with 1,310 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 1,627 $169,155,000 $103,967 $266 5.60%
    Home Purchase 893 $148,695,000 $166,512 $591 5.52%
    Refi 604 $129,190,000 $213,891 $314 5.28%
    Other 594 $91,500,000 $154,040 $196 5.79%

    For 2019, Frost Bank's most frequently cited loan purpose was Home Improvement, with 1,627 originations. The 2nd most popular reason was Home Purchase, with 893 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    20 Year 1,999 $342,535,000 $171,353 $234 5.77%
    15 Year 988 $86,150,000 $87,196 $384 5.38%
    Other 380 $79,750,000 $209,868 $640 5.52%
    10 Year 334 $23,020,000 $68,922 $33 4.87%
    3 Year 10 $1,240,000 $124,000 $0 6.32%
    5 Year 6 $5,790,000 $965,000 $0 5.02%
    1 Year 1 $55,000 $55,000 $0 6.75%

    For 2019, Frost Bank's most frequently cited loan duration was 20 Year, with 1,999 originations. The 2nd most popular length was 15 Year, with 988 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,365 $242,655,000 $102,603
    $1k-2k 22 $11,910,000 $541,364
    $2k-3k 3 $2,775,000 $925,000
    $3k-4k 1 $1,205,000 $1,205,000
    $4k-5k 1 $1,885,000 $1,885,000
    $5k+ 1 $2,475,000 $2,475,000

    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 2,365 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 2,311 $325,135,000 $140,690
    6-7% 680 $94,050,000 $138,309
    4-5% 657 $116,585,000 $177,451
    7-8% 69 $2,415,000 $35,000
    3-4% 1 $355,000 $355,000

    During 2019, Frost Bank's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 5-6%, with 2,311 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 2,035 $119,035,000 $58,494 $211 5.58%
    $100k-200k 887 $125,445,000 $141,426 $232 5.58%
    $200k-400k 595 $155,745,000 $261,756 $527 5.53%
    $400k-600k 144 $67,130,000 $466,181 $1,475 5.39%
    $600k-1MM 35 $26,525,000 $757,857 $7,049 5.37%
    $1MM+ 22 $44,660,000 $2,030,000 $13,658 5.21%

    2019 saw Frost Bank place emphasis on $100,000 or less loans with 2,035 originations, totaling $119,035,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 1,182 $150,050,000 $126,946 $315 5.59%
    $250k+ 895 $220,095,000 $245,916 $732 5.57%
    $100k-150k 716 $73,530,000 $102,696 $200 5.64%
    $50k-75k 327 $31,765,000 $97,141 $63 5.46%
    $75k-100k 315 $30,015,000 $95,286 $135 5.54%
    $50k or less 213 $14,025,000 $65,845 $31 5.27%

    Frost Bank lent most frequently to those with incomes in the $150k-250k range, with 1,182 originations. The second most popular income band? $250k+, with 895 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 997 $140,545,000 $140,968 $325 5.58%
    30-36% 674 $86,600,000 $128,487 $302 5.57%
    <20% 518 $90,950,000 $175,579 $247 5.57%
    49% 118 $16,960,000 $143,729 $477 5.67%
    41% 116 $15,100,000 $130,172 $308 5.53%
    36% 114 $15,230,000 $133,596 $511 5.62%
    40% 109 $14,425,000 $132,339 $268 5.41%
    39% 108 $19,900,000 $184,259 $364 5.46%
    37% 106 $15,570,000 $146,887 $421 5.49%
    38% 105 $13,055,000 $124,333 $496 5.52%
    43% 102 $13,930,000 $136,569 $464 5.51%
    42% 98 $12,740,000 $130,000 $337 5.60%
    47% 96 $10,450,000 $108,854 $220 5.61%
    44% 96 $16,550,000 $172,396 $364 5.50%
    48% 92 $11,260,000 $122,391 $248 5.61%
    50-60% 89 $10,165,000 $114,213 $241 5.44%
    45% 82 $10,050,000 $122,561 $315 5.54%
    46% 79 $11,915,000 $150,823 $517 5.49%

    Frost Bank lent most frequently to those with DTI ratios of 20-30%, with 997 originations. The next most common DTI ratio? 30-36%, with 674 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,961 $431,235,000 $145,638 $344 5.57%
    Not provided 537 $75,405,000 $140,419 $303 5.49%
    Not applicable 19 $13,145,000 $691,842 $0 5.78%
    Black 103 $8,765,000 $85,097 $233 5.48%
    Asian 45 $5,115,000 $113,667 $363 5.52%
    Asian Indian 22 $2,720,000 $123,636 $269 5.51%
    American Indian 13 $575,000 $44,231 $0 5.88%
    Native Hawaiian or Islander 5 $505,000 $101,000 $234 5.46%
    Other Asian 3 $325,000 $108,333 $0 5.35%
    Korean 2 $290,000 $145,000 $731 5.74%
    Chinese 4 $250,000 $62,500 $95 5.71%
    Filipino 1 $95,000 $95,000 $143 6.10%
    Vietnamese 1 $55,000 $55,000 $743 5.49%
    Guamanian 1 $45,000 $45,000 $0 4.53%
    Other Pacific Islander 1 $15,000 $15,000 $143 5.49%

    Approval Rates

    Total approvals of all applications
    64.44%

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

    Pick Rate

    Approvals leading to origination
    93.06%

    Frost Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,718 $538,540,000 $144,847

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 1 $815,000 $815,000
    Single Family (1-4 Units):Manufactured 1 $55,000 $55,000
    Single Family (1-4 Units):Site-Built 3,716 $537,670,000 $144,691

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,127 $175,645,000 $155,852 $354 5.61%
    40-60% 330 $76,060,000 $230,485 $494 5.53%
    60-80% 422 $120,430,000 $285,379 $501 5.28%
    80-100% 121 $39,805,000 $328,967 $864 5.38%
    Over 100% 3 $315,000 $105,000 $0 6.49%
    Under 20% 1,715 $126,285,000 $73,636 $269 5.61%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    FIRST HORIZON BANK VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 6.7%
    FIRST HORIZON BANK VA mortgage Closing on a mortgage 1 6.7%
    FIRST HORIZON BANK Other type of mortgage Trouble during payment process 1 6.7%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Closing on a mortgage 1 6.7%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Trouble during payment process 3 20.0%
    FIRST HORIZON BANK FHA mortgage Trouble during payment process 2 13.3%
    FIRST HORIZON BANK FHA mortgage Struggling to pay mortgage 1 6.7%
    FIRST HORIZON BANK Conventional home mortgage Trouble during payment process 4 26.7%
    FIRST HORIZON BANK Conventional home mortgage Struggling to pay mortgage 1 6.7%

    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 $2,909,752
    Frost Bank 1000 Walnut Creek Drive Mansfield, TX 76063 Full Service B&M $221,177
    Frost Bank 1001 Broadway Street Houston, TX 77012 Full Service B&M $154,655
    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 $170,208
    Frost Bank 10215 Wurzbach San Antonio, TX 78230 Full Service B&M $444,879
    Frost Bank 10767 Kuykendahl Rd The Woodlands, TX 77382 Full Service B&M $36,414
    Frost Bank 10915 Pecan Park Blvd Austin, TX 78750 Full Service B&M $104,006
    Frost Bank 110 Austin Highway San Antonio, TX 78209 Full Service B&M $471,953
    Frost Bank 111 East Anderson Lane Austin, TX 78752 Full Service B&M $100,783
    Frost Bank 1111 W Belt Line Rd. Suite 110 Carrollton, TX 75006 Full Service B&M $37,262
    Frost Bank 11201 Broadway Pearland, TX 77584 Full Service B&M $40,538
    Frost Bank 11555 Bandera Road San Antonio, TX 78250 Full Service B&M $174,677
    Frost Bank 1162 North Loop 1604 West San Antonio, TX 78248 Full Service B&M $202,453
    Frost Bank 11701 Plano Road Dallas, TX 75243 Full Service B&M $31,433
    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 $84,042
    Frost Bank 1206 West 38th Street, Suite 1101 Austin, TX 78705 Full Service B&M $131,310
    Frost Bank 1234 Clear Lake City Boulevard Houston, TX 77062 Full Service B&M $89,877
    Frost Bank 1240 Keller Parkway, Suite 100 Keller, TX 76248 Full Service B&M $194,918
    Frost Bank 1250 Northeast Loop 410 San Antonio, TX 78209 Full Service B&M $548,480
    Frost Bank 12532 Fm 2244 Road Suite 150 Bee Caves, TX 78738 Full Service B&M $44,036
    Frost Bank 12607 Blanco Road San Antonio, TX 78216 Full Service B&M $186,244
    Frost Bank 1300 South Main Boerne, TX 78006 Full Service B&M $461,807
    Frost Bank 13191 Northwest Freeway Houston, TX 77040 Full Service B&M $116,367
    Frost Bank 13226 Vance Jackson San Antonio, TX 78249 Full Service B&M $117,692
    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 $6,362
    Frost Bank 14201 South Padre Island Drive Corpus Christi, TX 78418 Full Service B&M $62,111
    Frost Bank 1450 E Whitestone Blvd Cedar Park, TX 78613 Full Service B&M $82,655
    Frost Bank 150 East Hwy 67 Duncanville, TX 75137 Full Service B&M $23,052
    Frost Bank 1500 North Wayside Drive Houston, TX 77020 Full Service B&M $146,146
    Frost Bank 1514 West Tyler Harlingen, TX 78550 Full Service B&M $148,184
    Frost Bank 15301 North Dallas Prkwy, #100 Addison, TX 75001 Full Service B&M $380,187
    Frost Bank 15455 Memorial Drive Suite 700 Houston, TX 77079 Full Service B&M $12,174
    Frost Bank 159 West Main Street Lewisville, TX 75057 Full Service B&M $20,935
    Frost Bank 16500 San Pedro Avenue San Antonio, TX 78232 Full Service B&M $279,087
    Frost Bank 16895 North Ih 35 Schertz, TX 78154 Full Service B&M $150,784
    Frost Bank 1700 Post Oak Blvd, Suite 120 Houston, TX 77056 Full Service B&M $500,645
    Frost Bank 18762 Stone Oak Parkway San Antonio, TX 78258 Full Service B&M $160,409
    Frost Bank 1881 Ballpark Way Arlington, TX 76006 Full Service B&M $91,169
    Frost Bank 1901 West Nolana Avenue Mcallen, TX 78504 Full Service B&M $258,631
    Frost Bank 201 East Shore Drive The Woodlands, TX 77380 Full Service B&M $22,747
    Frost Bank 201 Northeast 28th Street Fort Worth, TX 76164 Full Service B&M $1,145
    Frost Bank 21011 Us Highway 281 North San Antonio, TX 78258 Full Service B&M $97,512
    Frost Bank 2120 Spring Stuebner Road Suite 630 Spring, TX 77389 Full Service B&M $1,857
    Frost Bank 2201 Market Street Galveston, TX 77550 Full Service B&M $116,084
    Frost Bank 221 Wonder World Drive San Marcos, TX 78666 Full Service B&M $100,191
    Frost Bank 2240 Navigation Blvd Suite 400 Houston, TX 77003 Full Service B&M $9,910
    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 $112,516
    Frost Bank 23701 Cinco Ranch Blvd, Suite 100 Katy, TX 77494 Full Service B&M $5,905
    Frost Bank 23787 West Insterstate 10 San Antonio, TX 78257 Full Service B&M $30,139
    Frost Bank 2402 Leopard Street Corpus Christi, TX 78408 Full Service B&M $141,283
    Frost Bank 2421 East 7th Street Austin, TX 78702 Full Service B&M $12,797
    Frost Bank 2425 Exposition Blvd Austin, TX 78703 Full Service B&M $184,891
    Frost Bank 2443 Westheimer Rd Houston, TX 77098 Full Service B&M $147,215
    Frost Bank 2627 West Jefferson Blvd., Suite 314 Dallas, TX 75211 Full Service B&M $31,782
    Frost Bank 2700 North County Road West Odessa, TX 79764 Full Service B&M $186,378
    Frost Bank 2703 Southwest Military Highway San Antonio, TX 78224 Full Service B&M $92,330
    Frost Bank 2710 La Frontera Blvd Round Rock, TX 78681 Full Service B&M $132,786
    Frost Bank 2710 North Grandview Avenue Odessa, TX 79762 Full Service B&M $144,380
    Frost Bank 2715 Cypress Creek Parkway Houston, TX 77068 Full Service B&M $84,885
    Frost Bank 2950 North Harwood Street, Suite 100 Dallas, TX 75201 Full Service B&M $701,177
    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 $173,258
    Frost Bank 3000 S. Hulen Street, Suite 182 Fort Worth, TX 76109 Full Service B&M $97,091
    Frost Bank 314 South Ww White Road, Suite 104 San Antonio, TX 78219 Full Service B&M $7,228
    Frost Bank 315 Landa Street New Braunfels, TX 78130 Full Service B&M $315,307
    Frost Bank 320 S. Fredericksburg Street San Marcos, TX 78666 Full Service B&M $223,108
    Frost Bank 3201 E. Sam Houston Pkwy South Pasadena, TX 77505 Full Service B&M $11,209
    Frost Bank 3304 W Sam Houston Pky S Houston, TX 77042 Full Service B&M $125,342
    Frost Bank 350 Westpark Way Suite 202 Euless, TX 76040 Full Service B&M $73,920
    Frost Bank 3501 Faudree Rd. Odessa, TX 79765 Full Service B&M $125,359
    Frost Bank 3525 Far West Boulevard Austin, TX 78731 Full Service B&M $498,984
    Frost Bank 3600 F.M. 1092 Missouri City, TX 77459 Full Service B&M $98,184
    Frost Bank 3671 South Main Street Stafford, TX 77477 Full Service B&M $193,716
    Frost Bank 3707 Richmond Avenue Houston, TX 77046 Full Service B&M $152,360
    Frost Bank 3801 Matlock Road Arlington, TX 76015 Full Service B&M $377,974
    Frost Bank 3801 South Alameda Corpus Christi, TX 78411 Full Service B&M $107,263
    Frost Bank 3803 Nw Loop 410 San Antonio, TX 78229 Full Service B&M $275,120
    Frost Bank 3838 Rogers Road San Antonio, TX 78251 Full Service B&M $2,358
    Frost Bank 3851 Northeast Loop 820 Fort Worth, TX 76137 Full Service B&M $142,631
    Frost Bank 3859 Camp Bowie Boulevard Fort Worth, TX 76107 Full Service B&M $189,188
    Frost Bank 401 Congress Avenue Austin, TX 78701 Full Service B&M $1,099,485
    Frost Bank 4101 Highway 77 L-1 Corpus Christi, TX 78410 Full Service B&M $58,576
    Frost Bank 4101 North Midland Drive Midland, TX 79707 Full Service B&M $55,573
    Frost Bank 4202 South New Braunfels San Antonio, TX 78223 Full Service B&M $115,068
    Frost Bank 4214 Thousand Oaks Drive San Antonio, TX 78217 Full Service B&M $70,065
    Frost Bank 4215 South Staples Street Corpus Christi, TX 78411 Full Service B&M $266,481
    Frost Bank 4301 West William Cannon Drive Austin, TX 78749 Full Service B&M $112,327
    Frost Bank 4606 North Shepherd Drive Houston, TX 77018 Full Service B&M $19,467
    Frost Bank 4718 Colleyville Blvd, Suite 100 Colleyville, TX 76034 Full Service B&M $164,177
    Frost Bank 4900 Windsor Hill San Antonio, TX 78239 Full Service B&M $205,191
    Frost Bank 500 West Broadway Portland, TX 78374 Full Service B&M $189,433
    Frost Bank 5021 W. Park Blvd Plano, TX 75093 Full Service B&M $211,047
    Frost Bank 5055 Edwards Ranch Road Fort Worth, TX 76109 Full Service B&M $391,981
    Frost Bank 508 West Wall Street Suite 100 Midland, TX 79701 Full Service B&M $542,302
    Frost Bank 510 East Ridge Road Mcallen, TX 78503 Full Service B&M $81,060
    Frost Bank 515 Sw Military Drive San Antonio, TX 78221 Full Service B&M $34,235
    Frost Bank 5208 West Broadway Pearland, TX 77581 Full Service B&M $136,484
    Frost Bank 533 N. Alamo Rd. Alamo, TX 78516 Full Service B&M $199,970
    Frost Bank 5480 Paredes Line Road Brownsville, TX 78526 Full Service B&M $53,453
    Frost Bank 5500 West Arkansas Lane Arlington, TX 76016 Full Service B&M $46,054
    Frost Bank 5651 Bryant Irvin Road Fort Worth, TX 76132 Full Service B&M $147,259
    Frost Bank 5656 Bee Cave Road Austin, TX 78746 Full Service B&M $312,009
    Frost Bank 5925 Kirby Drive Houston, TX 77005 Full Service B&M $317,021
    Frost Bank 600 W Sam Houston Pkwy North Ste 730 Houston, TX 77024 Full Service B&M $141,634
    Frost Bank 601 Jefferson Street Houston, TX 77002 Full Service B&M $605,428
    Frost Bank 605 Canyon Ridge Drive Austin, TX 78753 Full Service B&M $58,911
    Frost Bank 6115 Camp Bowie Boulevard Fort Worth, TX 76116 Full Service B&M $224,562
    Frost Bank 620 Highway 6 Sugar Land, TX 77478 Full Service B&M $157,958
    Frost Bank 6230 South Staples Street Corpus Christi, TX 78413 Full Service B&M $207,915
    Frost Bank 6305 Precinct Line Road, Suite 100 North Richland Hills, TX 76180 Full Service B&M $18,614
    Frost Bank 6312 La Vista Dr. Dallas, TX 75214 Full Service B&M $81,158
    Frost Bank 6321 Hillcrest Avenue Dallas, TX 75205 Full Service B&M $45,393
    Frost Bank 640 Taylor Street, Suite 1000 Fort Worth, TX 76102 Full Service B&M $1,479,397
    Frost Bank 641 East Southlake Blvd Southlake, TX 76092 Full Service B&M $155,918
    Frost Bank 6410 Fannin Houston, TX 77030 Full Service B&M $124,166
    Frost Bank 6750 West Loop South Bellaire, TX 77401 Full Service B&M $216,977
    Frost Bank 6801 Stewart Road Galveston, TX 77551 Full Service B&M $51,878
    Frost Bank 700 E. Campbell Road, Suite 130 Richardson, TX 75081 Full Service B&M $96,322
    Frost Bank 734 N.W. Loop 410 San Antonio, TX 78216 Full Service B&M $453,071
    Frost Bank 7502 Westheimer Rd Houston, TX 77063 Full Service B&M $54,676
    Frost Bank 7702 Louis Pasteur San Antonio, TX 78229 Full Service B&M $188,146
    Frost Bank 7859 Walnut Hill Lane Suite 100 Dallas, TX 75230 Full Service B&M $30,698
    Frost Bank 7914 Culebra Road, Suite 100 San Antonio, TX 78251 Full Service B&M $70,192
    Frost Bank 800 W Wadley Midland, TX 79705 Full Service B&M $129,382
    Frost Bank 801 North Texas Street Odessa, TX 79761 Full Service B&M $96,028
    Frost Bank 802 North Carancahua St Corpus Christi, TX 78401 Full Service B&M $390,606
    Frost Bank 811 Main Street, Suite 100 Houston, TX 77002 Full Service B&M $227,863
    Frost Bank 8201 Preston Road, Suite 180 Dallas, TX 75225 Full Service B&M $291,045
    Frost Bank 8501 Davis Blvd North Richland Hills, TX 76182 Full Service B&M $78,080
    Frost Bank 9001 Airport Freeway Suite 100 North Richland Hills, TX 76180 Full Service B&M $136,193
    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 $176,446
    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 $153,754
    Frost Bank 9821 Katy Freeway Houston, TX 77024 Full Service B&M $166,837
    Frost Bank 9990 Almeda Genoa Houston, TX 77075 Full Service B&M $216

    For 2019, Frost Bank had 146 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $1,136,449
    Net interest income $1,014,173
    Total noninterest income $360,222
    Gross Fiduciary activities income $101,057
    Service charges on deposit accounts $84,451
    Trading account gains and fees $9,346
    Additional Noninterest Income $165,368
    Pre-tax net operating income $514,067
    Securities gains (or losses, -) $294
    Income before extraordinary items $453,533
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $453,533
    Minority interest net income $0
    Net income $453,533
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $453,274

    Frost Bank's gross interest income from loans was $1,136,449,000.
    Frost Bank's net interest income from loans was $1,014,173,000.
    Frost Bank's fee based income from loans was $84,451,000.
    Frost Bank's net income from loans was $453,533,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $122,276
    Provision for credit losses $33,759
    Total noninterest expense $826,569
    Salaries and employee benefits $467,471
    Premises and equipment expense $123,762
    Additional noninterest expense $235,336
    Applicable income taxes $60,828
    Net charge-offs $33,724
    Cash dividends $234,531

    Frost Bank's interest expense for loans was $122,276,000.
    Frost Bank's payroll and benefits expense were $467,471,000.
    Frost Bank's property, plant and equipment expenses $123,762,000.

    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 $27,719,138
    Deposits held in domestic offices $27,719,138
    Deposits by Individuals, partnerships, and corporations $26,397,513
    Deposits by U.S. Government $9
    Deposits by States and political subdivisions in the U.S. $1,061,620
    Deposits by Commercial banks and other depository institutions in U.S. $259,677
    Deposits by Banks in foreign countries $319
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $2,394,985
    Demand deposits $1,955,956
    Nontransaction accounts $25,324,153
    Money market deposit accounts (MMDAs) $22,926,427
    Other savings deposits (excluding MMDAs) $1,289,130
    Total time deposits $1,108,596
    Total time and savings deposits $25,763,182
    Noninterest-bearing deposits $10,953,203
    Interest-bearing deposits $16,765,935
    Retail deposits $27,347,426
    IRAs and Keogh plan accounts $151,511
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $34,105,305
    Cash & Balances due from depository institutions $3,430,813
    Interest-bearing balances $2,849,950
    Total securities $13,256,730
    Federal funds sold & reverse repurchase $356,373
    Net loans and leases $14,618,150
    Loan and leases loss allowance $132,167
    Trading account assets $80,751
    Bank premises and fixed assets $1,010,819
    Other real estate owned $1,084
    Goodwill and other intangibles $655,149
    All other assets $695,436

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $34,105,305
    Total Liabilities $30,215,508
    Total deposits $27,719,138
    Interest-bearing deposits $16,765,935
    Deposits held in domestic offices $27,719,138
    % insured (estimated) $53
    Federal funds purchased and repurchase agreements $1,953,342
    Trading liabilities $31,770
    Other borrowed funds $323,688
    Subordinated debt $0
    All other liabilities $187,570

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $14,618,150
    Loan and leases loss allowance $132,167
    Total loans and leases (domestic) $14,750,317
    All real estate loans $7,407,119
    Real estate loans in domestic offices $7,407,119
    Construction and development loans $1,616,114
    Residential 1-4 family construction $163,976
    Other construction, all land development and other land $1,452,138
    Loans secured by nonfarm nonresidential properties $4,205,643
    Nonfarm nonresidential secured by owner-occupied properties $1,435,155
    Commercial real estate & other non-farm, non-residential $2,770,488
    Multifamily residential real estate $226,887
    1-4 family residential loans $1,317,497
    Farmland loans $40,978
    Loans held in foreign offices $0
    Farm loans $26,451
    Commercial and industrial loans $5,844,509
    To non-U.S. addressees $17,614
    Loans to individuals $505,049
    Credit card loans $0
    Related Plans $407,062
    Consumer Auto Loans $16,442
    Other loans to individuals $81,545
    All other loans & leases $967,189
    Loans to foreign governments and official institutions $0
    Other loans $464,582
    Loans to depository institutions and acceptances of other banks $632
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $2,609
    Restructured Loans & leases $6,098
    Non 1-4 family restructured loans & leases $5,978
    Total loans and leases (foreign) $0

    Frost Bank had $14,618,150,000 of loans outstanding in 2019. $7,407,119,000 of loans were in real estate loans. $1,616,114,000 of loans were in development loans. $226,887,000 of loans were in multifamily mortgage loans. $1,317,497,000 of loans were in 1-4 family mortgage loans. $26,451,000 of loans were in farm loans. $0 of loans were in credit card loans. $16,442,000 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 2,227 $696,036 $312,544
    Nonfarm, nonresidential loans - <$100k 147 $6,851 $46,605
    Nonfarm, nonresidential loans - $100-250k 632 $79,734 $126,161
    Nonfarm, nonresidential loans - $250k-1MM 1,448 $609,451 $420,892
    Commercial & Industrial, US addressed loans - <$1MM 9,016 $1,046,881 $116,114
    Commercial & Industrial, US addressed loans - <$100k 5,156 $159,346 $30,905
    Commercial & Industrial, US addressed loans - $100-250k 1,785 $193,866 $108,608
    Commercial & Industrial, US addressed loans - $250k-1MM 2,075 $693,669 $334,298
    Farmland loans - <$1MM 9 $863 $95,889
    Farmland loans - <$100k 2 $69 $34,500
    Farmland loans - $100-250k 4 $326 $81,500
    Farmland loans - $250k-1MM 3 $468 $156,000
    Agriculture operations loans - <$1MM 5 $500 $100,000
    Agriculture operations loans - <$100k 2 $55 $27,500
    Agriculture operations loans - $100-250k 3 $445 $148,333