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 and Refi loans. Frost Bank has a high proportion of conventional loans. Their top markets by origination volume include: Dallas, Houston, Austin, 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% 4/21/24
    30 Year Conventional Purchase 6.27% 4/21/24
    30 Year Conventional Refi 6.27% 4/21/24
    15 Year Conventional Purchase 6.12% 4/21/24
    15 Year Conventional Refi 6.24% 4/21/24
    15 Year Cash-out Refi 6.24% 4/21/24
    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

    5,274

    Origination Dollar Volume (All Markets)

    $821,390,000

    Employee count

    4,685

    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) 2,241 $331,875,000 $148,092 $295 4.43%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1,222 $187,900,000 $153,764 $270 4.37%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 814 $162,980,000 $200,221 $517 4.41%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 720 $99,040,000 $137,556 $251 4.35%
    MIDLAND, TX (FHA|USDA|VA) 53 $11,135,000 $210,094 $632 4.38%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 44 $4,850,000 $110,227 $66 4.25%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 37 $4,575,000 $123,649 $27 4.15%
    Outside of Metro Areas 32 $4,320,000 $135,000 $179 4.31%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 22 $2,700,000 $122,727 $449 4.24%
    VICTORIA, TX (FHA|USDA|VA) 14 $2,400,000 $171,429 $139 4.25%
    ODESSA, TX (FHA|USDA|VA) 13 $1,635,000 $125,769 $174 4.15%
    Fredericksburg, TX (FHA|USDA|VA) 5 $1,015,000 $203,000 $563 4.24%
    Granbury, TX (FHA|USDA|VA) 7 $875,000 $125,000 $297 4.26%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 9 $745,000 $82,778 $292 4.63%
    Brenham, TX (FHA|USDA|VA) 5 $605,000 $121,000 $79 4.27%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 4 $510,000 $127,500 $272 4.18%
    Huntsville, TX (FHA|USDA|VA) 2 $490,000 $245,000 $158 3.69%
    Mineral Wells, TX (FHA|USDA|VA) 1 $405,000 $405,000 $0 3.25%
    Rockport, TX (FHA|USDA|VA) 2 $390,000 $195,000 $79 3.89%
    Athens, TX (FHA|USDA|VA) 3 $375,000 $125,000 $79 3.98%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 4 $340,000 $85,000 $281 4.67%
    Bonham, TX (FHA|USDA|VA) 2 $340,000 $170,000 $0 3.60%
    Kerrville, TX (FHA|USDA|VA) 2 $310,000 $155,000 $0 5.49%
    Gainesville, TX (FHA|USDA|VA) 1 $255,000 $255,000 $771 5.68%
    Mount Pleasant, TX (FHA|USDA|VA) 1 $225,000 $225,000 $600 5.14%
    Beeville, TX (FHA|USDA|VA) 1 $165,000 $165,000 $570 4.87%
    Pearsall, TX (FHA|USDA|VA) 2 $160,000 $80,000 $0 3.82%
    Andrews, TX (FHA|USDA|VA) 2 $150,000 $75,000 $79 4.34%
    El Campo, TX (FHA|USDA|VA) 2 $150,000 $75,000 $79 4.37%
    Alice, TX (FHA|USDA|VA) 1 $115,000 $115,000 $0 3.62%
    Port Lavaca, TX (FHA|USDA|VA) 1 $105,000 $105,000 $158 4.49%
    Pecos, TX (FHA|USDA|VA) 1 $85,000 $85,000 $158 4.49%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $65,000 $65,000 $158 4.49%
    WACO, TX (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.99%
    TYLER, TX (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.24%
    Corsicana, TX (FHA|USDA|VA) 1 $25,000 $25,000 $158 5.49%
    Frost Bank's top markets include Dallas, Houston, Austin, San Antonio, and Midland among others.

    Their top states include:
  • Texas (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.

    AAXY L.L.C.
    Similarity Rank: 909
    Beeline Loans, Inc.
    Similarity Rank: 989
    U S WIDE FINANCIAL LLC
    Similarity Rank: 1292
    SOUTHERN LENDING SERVICES, LTD.
    Similarity Rank: 1855
    TEXAS TRUST
    Similarity Rank: 1885
    DATCU
    Similarity Rank: 1900
    Credence Funding Corporation
    Similarity Rank: 1920
    SMART CHOICE MORTGAGE, A TEXAS LIMITED LIABILITY C
    Similarity Rank: 1928
    WESTSTAR MORTGAGE CORPORATION
    Similarity Rank: 1932
    UNION SQUARE
    Similarity Rank: 2464

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,664 $412,510,000 $112,585 $310 4.52%
    HELOC 1,610 $408,880,000 $253,963 n/a 4.12%

    For 2020, Frost Bank's most frequently originated type of loan was Conventional, with 3,664 originations. Their 2nd most popular type was HELOC, with 1,610 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 3,012 $325,050,000 $107,918 $253 4.39%
    Home Purchase 786 $160,030,000 $203,601 $612 4.64%
    Refi 755 $199,145,000 $263,768 $314 4.18%
    Other 721 $137,165,000 $190,243 $341 4.37%

    For 2020, Frost Bank's most frequently cited loan purpose was Home Improvement, with 3,012 originations. The 2nd most popular reason was Home Purchase, with 786 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    20 Year 2,754 $521,740,000 $189,448 $219 4.29%
    15 Year 1,542 $148,610,000 $96,375 $338 4.59%
    Other 661 $122,055,000 $184,652 $526 4.48%
    10 Year 306 $24,700,000 $80,719 $45 4.13%
    5 Year 9 $3,885,000 $431,667 $0 4.24%
    3 Year 2 $400,000 $200,000 $0 4.63%

    For 2020, Frost Bank's most frequently cited loan duration was 20 Year, with 2,754 originations. The 2nd most popular length was 15 Year, with 1,542 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 3,619 $387,745,000 $107,141
    $1k-2k 25 $13,925,000 $557,000
    $2k-3k 6 $5,700,000 $950,000

    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 3,619 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 2,351 $287,495,000 $122,286
    3-4% 2,111 $433,995,000 $205,587
    5-6% 793 $99,275,000 $125,189
    6-7% 19 $625,000 $32,895

    During 2020, Frost Bank's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 4-5%, with 2,351 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 2,847 $180,655,000 $63,455 $200 4.49%
    $100k-200k 1,265 $174,035,000 $137,577 $261 4.46%
    $200k-400k 807 $220,805,000 $273,612 $511 4.18%
    $400k-600k 273 $121,375,000 $444,597 $1,347 3.92%
    $600k-1MM 50 $39,520,000 $790,400 $6,729 4.01%
    $1MM+ 32 $85,000,000 $2,656,250 $10,828 3.65%

    2020 saw Frost Bank place emphasis on $100,000 or less loans with 2,847 originations, totaling $180,655,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 1,808 $233,680,000 $129,248 $273 4.44%
    $250k+ 1,507 $380,475,000 $252,472 $573 4.42%
    $100k-150k 1,064 $114,380,000 $107,500 $194 4.38%
    $75k-100k 351 $35,845,000 $102,123 $143 4.37%
    $50k-75k 295 $29,255,000 $99,169 $73 4.27%
    $50k or less 158 $12,560,000 $79,494 $8 4.13%

    Frost Bank lent most frequently to those with incomes in the $150k-250k range, with 1,808 originations. The second most popular income band? $250k+, with 1,507 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,588 $223,780,000 $140,919 $288 4.38%
    30-36% 1,017 $156,095,000 $153,486 $314 4.42%
    <20% 787 $170,415,000 $216,537 $301 4.18%
    50-60% 172 $27,790,000 $161,570 $363 4.47%
    41% 155 $21,665,000 $139,774 $398 4.43%
    38% 149 $21,565,000 $144,732 $318 4.45%
    39% 142 $21,460,000 $151,127 $378 4.50%
    40% 131 $16,695,000 $127,443 $278 4.54%
    43% 126 $15,280,000 $121,270 $286 4.55%
    36% 124 $13,860,000 $111,774 $309 4.51%
    37% 123 $14,745,000 $119,878 $210 4.39%
    42% 123 $16,685,000 $135,650 $434 4.59%
    49% 110 $18,390,000 $167,182 $392 4.43%
    47% 108 $13,600,000 $125,926 $291 4.56%
    44% 105 $16,675,000 $158,810 $291 4.37%
    45% 101 $19,525,000 $193,317 $327 4.41%
    46% 100 $13,680,000 $136,800 $293 4.57%
    48% 100 $14,440,000 $144,400 $333 4.44%

    Frost Bank lent most frequently to those with DTI ratios of 20-30%, with 1,588 originations. The next most common DTI ratio? 30-36%, with 1,017 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,378 $694,350,000 $158,600 $312 4.40%
    Not provided 540 $81,180,000 $150,333 $309 4.36%
    Black 157 $15,075,000 $96,019 $220 4.42%
    Asian 85 $11,425,000 $134,412 $453 4.46%
    Asian Indian 45 $7,135,000 $158,556 $430 4.33%
    Not applicable 12 $4,170,000 $347,500 $0 4.32%
    Korean 6 $2,600,000 $433,333 $0 4.24%
    American Indian 21 $2,465,000 $117,381 $211 4.47%
    Other Asian 11 $1,045,000 $95,000 $262 4.53%
    Filipino 4 $520,000 $130,000 $79 4.23%
    Chinese 3 $485,000 $161,667 $0 4.82%
    Japanese 3 $395,000 $131,667 $0 4.02%
    Native Hawaiian or Islander 4 $190,000 $47,500 $269 4.49%
    Vietnamese 2 $170,000 $85,000 $0 4.74%
    Guamanian 2 $120,000 $60,000 $79 4.18%
    Other Pacific Islander 1 $65,000 $65,000 $158 3.99%

    Approval Rates

    Total approvals of all applications
    65.54%

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

    Pick Rate

    Approvals leading to origination
    90.97%

    Frost Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 5,274 $821,390,000 $155,743

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 4 $2,610,000 $652,500
    Single Family (1-4 Units):Site-Built 5,270 $818,780,000 $155,366

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,552 $263,870,000 $170,019 $347 4.40%
    40-60% 427 $134,965,000 $316,077 $823 4.10%
    60-80% 420 $151,260,000 $360,143 $364 3.87%
    80-100% 161 $53,595,000 $332,888 $513 3.79%
    Over 100% 2 $1,170,000 $585,000 $0 4.25%
    Under 20% 2,712 $216,530,000 $79,841 $248 4.56%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    FIRST HORIZON BANK Other type of mortgage Struggling to pay mortgage 1 6.7%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Trouble during payment process 1 6.7%
    FIRST HORIZON BANK Other type of mortgage Closing on a mortgage 2 13.3%
    FIRST HORIZON BANK Other type of mortgage Trouble during payment process 2 13.3%
    FIRST HORIZON BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 6.7%
    FIRST HORIZON BANK Conventional home mortgage Closing on a mortgage 1 6.7%
    FIRST HORIZON BANK Conventional home mortgage Trouble during payment process 4 26.7%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 3 20.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Frost Bank 1000 Walnut Creek Drive Mansfield, TX 76063 Full Service B&M $304,143
    Frost Bank 1001 Broadway Street Houston, TX 77012 Full Service B&M $167,059
    Frost Bank 101 East Abram Street, Suite 160 Arlington, TX 76010 Full Service B&M $39,548
    Frost Bank 1010 North Westgate Drive Weslaco, TX 78596 Full Service B&M $206,257
    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 $234,890
    Frost Bank 10215 Wurzbach San Antonio, TX 78230 Full Service B&M $519,478
    Frost Bank 10420 Louetta Rd, Ste 120 Houston, TX 77070 Full Service B&M $17,830
    Frost Bank 10767 Kuykendahl Rd The Woodlands, TX 77382 Full Service B&M $48,635
    Frost Bank 10915 Pecan Park Blvd Austin, TX 78750 Full Service B&M $132,501
    Frost Bank 110 Austin Highway San Antonio, TX 78209 Full Service B&M $577,086
    Frost Bank 111 East Anderson Lane Austin, TX 78752 Full Service B&M $126,913
    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
    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 $3,724,660
    Frost Bank 1111 W Belt Line Rd. Suite 110 Carrollton, TX 75006 Full Service B&M $53,592
    Frost Bank 11201 Broadway Pearland, TX 77584 Full Service B&M $45,220
    Frost Bank 11555 Bandera Road San Antonio, TX 78250 Full Service B&M $217,813
    Frost Bank 1162 North Loop 1604 West San Antonio, TX 78248 Full Service B&M $220,178
    Frost Bank 11701 Plano Road Dallas, TX 75243 Full Service B&M $49,453
    Frost Bank 1200 Barbara Jordan Blvd, Ste. 200 Austin, TX 78723 Full Service B&M $97,974
    Frost Bank 1206 West 38th Street, Suite 1101 Austin, TX 78705 Full Service B&M $176,401
    Frost Bank 1234 Clear Lake City Boulevard Houston, TX 77062 Full Service B&M $100,961
    Frost Bank 1240 Keller Parkway, Suite 100 Keller, TX 76248 Full Service B&M $288,295
    Frost Bank 1250 Northeast Loop 410 San Antonio, TX 78209 Full Service B&M $640,016
    Frost Bank 12532 Fm 2244 Road Suite 150 Bee Caves, TX 78738 Full Service B&M $55,397
    Frost Bank 12607 Blanco Road San Antonio, TX 78216 Full Service B&M $222,347
    Frost Bank 1300 South Main Boerne, TX 78006 Full Service B&M $520,080
    Frost Bank 13191 Northwest Freeway Houston, TX 77040 Full Service B&M $163,850
    Frost Bank 13226 Vance Jackson San Antonio, TX 78249 Full Service B&M $145,351
    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 $8,796
    Frost Bank 14201 South Padre Island Drive Corpus Christi, TX 78418 Full Service B&M $79,072
    Frost Bank 1450 E Whitestone Blvd Cedar Park, TX 78613 Full Service B&M $105,072
    Frost Bank 150 East Hwy 67 Duncanville, TX 75137 Full Service B&M $36,142
    Frost Bank 1500 North Wayside Drive Houston, TX 77020 Full Service B&M $186,651
    Frost Bank 1514 West Tyler Harlingen, TX 78550 Full Service B&M $154,386
    Frost Bank 15301 North Dallas Prkwy, #100 Addison, TX 75001 Full Service B&M $437,162
    Frost Bank 15455 Memorial Drive Suite 700 Houston, TX 77079 Full Service B&M $13,401
    Frost Bank 159 West Main Street Lewisville, TX 75057 Full Service B&M $41,419
    Frost Bank 16500 San Pedro Avenue San Antonio, TX 78232 Full Service B&M $318,464
    Frost Bank 16895 North Ih 35 Schertz, TX 78154 Full Service B&M $184,803
    Frost Bank 1700 Post Oak Blvd, Suite 120 Houston, TX 77056 Full Service B&M $734,795
    Frost Bank 18762 Stone Oak Parkway San Antonio, TX 78258 Full Service B&M $194,387
    Frost Bank 1881 Ballpark Way Arlington, TX 76006 Full Service B&M $110,910
    Frost Bank 1901 West Nolana Avenue Mcallen, TX 78504 Full Service B&M $358,316
    Frost Bank 19661 Highway 59 North Humble, TX 77338 Full Service B&M $8,526
    Frost Bank 201 Northeast 28th Street Fort Worth, TX 76164 Full Service B&M $3,855
    Frost Bank 201 South Fm 270, Suite 100 League City, TX 77573 Full Service B&M $8,345
    Frost Bank 21011 Us Highway 281 North San Antonio, TX 78258 Full Service B&M $123,078
    Frost Bank 2120 Spring Stuebner Road Suite 630 Spring, TX 77389 Full Service B&M $6,836
    Frost Bank 215 East Shore Drive Spring, TX 77380 Full Service B&M $42,659
    Frost Bank 21875 Katy Freeway Katy, TX 77450 Full Service B&M $737
    Frost Bank 2200 North Frazier Street, Suite 100 Conroe, TX 77301 Full Service B&M $13,744
    Frost Bank 2201 Market Street Galveston, TX 77550 Full Service B&M $126,313
    Frost Bank 221 Wonder World Drive San Marcos, TX 78666 Full Service B&M $132,743
    Frost Bank 2240 Navigation Blvd Suite 400 Houston, TX 77003 Full Service B&M $14,596
    Frost Bank 231 North Guadalupe Street, Suite 110 San Marcos, TX 78666 Full Service B&M $248,346
    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 $132,646
    Frost Bank 23701 Cinco Ranch Blvd, Suite 100 Katy, TX 77494 Full Service B&M $16,433
    Frost Bank 23787 West Insterstate 10 San Antonio, TX 78257 Full Service B&M $43,656
    Frost Bank 2402 Leopard Street Corpus Christi, TX 78408 Full Service B&M $158,010
    Frost Bank 2421 East 7th Street Austin, TX 78702 Full Service B&M $25,622
    Frost Bank 2425 Exposition Blvd Austin, TX 78703 Full Service B&M $214,902
    Frost Bank 2443 Westheimer Rd Houston, TX 77098 Full Service B&M $178,133
    Frost Bank 2627 West Jefferson Blvd., Suite 314 Dallas, TX 75211 Full Service B&M $43,558
    Frost Bank 2700 North County Road West Odessa, TX 79764 Full Service B&M $185,529
    Frost Bank 2703 Southwest Military Highway San Antonio, TX 78224 Full Service B&M $120,224
    Frost Bank 2710 La Frontera Blvd Round Rock, TX 78681 Full Service B&M $145,028
    Frost Bank 2710 North Grandview Avenue Odessa, TX 79762 Full Service B&M $145,265
    Frost Bank 2715 Cypress Creek Parkway Houston, TX 77068 Full Service B&M $113,071
    Frost Bank 2950 North Harwood Street, Suite 100 Dallas, TX 75201 Full Service B&M $857,432
    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 $200,251
    Frost Bank 3000 S. Hulen Street, Suite 182 Fort Worth, TX 76109 Full Service B&M $119,570
    Frost Bank 314 South Ww White Road, Suite 104 San Antonio, TX 78219 Full Service B&M $12,646
    Frost Bank 315 Landa Street New Braunfels, TX 78130 Full Service B&M $400,845
    Frost Bank 3201 E. Sam Houston Pkwy South Pasadena, TX 77505 Full Service B&M $18,098
    Frost Bank 3304 W Sam Houston Pky S Houston, TX 77042 Full Service B&M $187,524
    Frost Bank 350 Westpark Way Suite 202 Euless, TX 76040 Full Service B&M $106,284
    Frost Bank 3500 Little York Road, Suite B-1a Houston, TX 77093 Full Service B&M $1,796
    Frost Bank 3501 Faudree Rd. Odessa, TX 79765 Full Service B&M $192,432
    Frost Bank 3525 Far West Boulevard Austin, TX 78731 Full Service B&M $603,152
    Frost Bank 3600 F.M. 1092 Missouri City, TX 77459 Full Service B&M $115,370
    Frost Bank 3671 South Main Street Stafford, TX 77477 Full Service B&M $234,880
    Frost Bank 3707 Richmond Avenue Houston, TX 77046 Full Service B&M $198,057
    Frost Bank 3801 Matlock Road Arlington, TX 76015 Full Service B&M $452,163
    Frost Bank 3801 South Alameda Corpus Christi, TX 78411 Full Service B&M $132,372
    Frost Bank 3803 Nw Loop 410 San Antonio, TX 78229 Full Service B&M $346,809
    Frost Bank 3838 Rogers Road San Antonio, TX 78251 Full Service B&M $4,267
    Frost Bank 3851 Northeast Loop 820 Fort Worth, TX 76137 Full Service B&M $167,388
    Frost Bank 3859 Camp Bowie Boulevard Fort Worth, TX 76107 Full Service B&M $221,850
    Frost Bank 401 Congress Avenue Austin, TX 78701 Full Service B&M $1,392,864
    Frost Bank 4101 Highway 77 L-1 Corpus Christi, TX 78410 Full Service B&M $75,166
    Frost Bank 4101 North Midland Drive Midland, TX 79707 Full Service B&M $62,119
    Frost Bank 4202 South New Braunfels San Antonio, TX 78223 Full Service B&M $143,446
    Frost Bank 4214 Thousand Oaks Drive San Antonio, TX 78217 Full Service B&M $82,354
    Frost Bank 4301 West William Cannon Drive Austin, TX 78749 Full Service B&M $140,210
    Frost Bank 4606 North Shepherd Drive Houston, TX 77018 Full Service B&M $43,377
    Frost Bank 4718 Colleyville Blvd, Suite 100 Colleyville, TX 76034 Full Service B&M $282,669
    Frost Bank 4900 Windsor Hill San Antonio, TX 78239 Full Service B&M $219,612
    Frost Bank 500 West Broadway Portland, TX 78374 Full Service B&M $196,005
    Frost Bank 501 South Shoreline Blvd Corpus Christi, TX 78401 Full Service B&M $495,305
    Frost Bank 5021 W. Park Blvd Plano, TX 75093 Full Service B&M $262,950
    Frost Bank 5055 Edwards Ranch Road Fort Worth, TX 76109 Full Service B&M $439,647
    Frost Bank 508 West Wall Street Suite 100 Midland, TX 79701 Full Service B&M $664,526
    Frost Bank 510 East Ridge Road Mcallen, TX 78503 Full Service B&M $123,230
    Frost Bank 515 Sw Military Drive San Antonio, TX 78221 Full Service B&M $47,130
    Frost Bank 5208 West Broadway Pearland, TX 77581 Full Service B&M $171,283
    Frost Bank 5480 Paredes Line Road Brownsville, TX 78526 Full Service B&M $89,409
    Frost Bank 5500 West Arkansas Lane Arlington, TX 76016 Full Service B&M $57,945
    Frost Bank 5651 Bryant Irvin Road Fort Worth, TX 76132 Full Service B&M $179,714
    Frost Bank 5656 Bee Cave Road Austin, TX 78746 Full Service B&M $331,130
    Frost Bank 5925 Kirby Drive Houston, TX 77005 Full Service B&M $490,267
    Frost Bank 600 W Sam Houston Pkwy North Ste 730 Houston, TX 77024 Full Service B&M $173,155
    Frost Bank 601 Jefferson Street Houston, TX 77002 Full Service B&M $928,518
    Frost Bank 605 Canyon Ridge Drive Austin, TX 78753 Full Service B&M $79,090
    Frost Bank 6115 Camp Bowie Boulevard Fort Worth, TX 76116 Full Service B&M $285,964
    Frost Bank 620 Highway 6 Sugar Land, TX 77478 Full Service B&M $173,209
    Frost Bank 6230 South Staples Street Corpus Christi, TX 78413 Full Service B&M $252,028
    Frost Bank 6305 Precinct Line Road, Suite 100 North Richland Hills, TX 76180 Full Service B&M $30,960
    Frost Bank 6312 La Vista Dr. Dallas, TX 75214 Full Service B&M $129,179
    Frost Bank 6321 Hillcrest Avenue Dallas, TX 75205 Full Service B&M $56,385
    Frost Bank 640 Taylor Street, Suite 1000 Fort Worth, TX 76102 Full Service B&M $1,884,636
    Frost Bank 641 East Southlake Blvd Southlake, TX 76092 Full Service B&M $202,163
    Frost Bank 6410 Fannin Houston, TX 77030 Full Service B&M $142,135
    Frost Bank 6750 West Loop South Bellaire, TX 77401 Full Service B&M $297,075
    Frost Bank 6801 Stewart Road Galveston, TX 77551 Full Service B&M $62,366
    Frost Bank 700 E. Campbell Road, Suite 130 Richardson, TX 75081 Full Service B&M $119,418
    Frost Bank 7009 Fm 1960 East Humble, TX 77346 Full Service B&M $2,709
    Frost Bank 734 N.W. Loop 410 San Antonio, TX 78216 Full Service B&M $549,612
    Frost Bank 7444 South Padre Island Drive Corpus Christi, TX 78412 Full Service B&M $270,224
    Frost Bank 7502 Westheimer Rd Houston, TX 77063 Full Service B&M $69,082
    Frost Bank 7592 Cypress Creek Parkway Houston, TX 77070 Full Service B&M $1,615
    Frost Bank 7602 North Navarro Street Victoria, TX 77904 Full Service B&M $30,634
    Frost Bank 7702 Louis Pasteur San Antonio, TX 78229 Full Service B&M $264,043
    Frost Bank 7859 Walnut Hill Lane Suite 100 Dallas, TX 75230 Full Service B&M $50,714
    Frost Bank 7914 Culebra Road, Suite 100 San Antonio, TX 78251 Full Service B&M $95,707
    Frost Bank 800 W Wadley Midland, TX 79705 Full Service B&M $183,710
    Frost Bank 801 North Texas Street Odessa, TX 79761 Full Service B&M $109,237
    Frost Bank 811 Main Street, Suite 100 Houston, TX 77002 Full Service B&M $273,624
    Frost Bank 8201 Preston Road, Suite 180 Dallas, TX 75225 Full Service B&M $357,009
    Frost Bank 8360 Long Point Road Houston, TX 77055 Full Service B&M $7,939
    Frost Bank 8501 Davis Blvd North Richland Hills, TX 76182 Full Service B&M $72,649
    Frost Bank 8502b Main Street Houston, TX 77025 Full Service B&M $4,108
    Frost Bank 9001 Airport Freeway Suite 100 North Richland Hills, TX 76180 Full Service B&M $209,735
    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 $213,572
    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 $204,229
    Frost Bank 9821 Katy Freeway Houston, TX 77024 Full Service B&M $276,730
    Frost Bank 9990 Almeda Genoa Houston, TX 77075 Full Service B&M $781

    For 2020, Frost Bank had 157 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $1,023,769
    Net interest income $986,505
    Total noninterest income $353,384
    Gross Fiduciary activities income $101,752
    Service charges on deposit accounts $75,656
    Trading account gains and fees $15,807
    Additional Noninterest Income $160,169
    Pre-tax net operating income $257,808
    Securities gains (or losses, -) $108,989
    Income before extraordinary items $341,323
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $341,323
    Minority interest net income $0
    Net income $341,323
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $239,963

    Frost Bank's gross interest income from loans was $1,023,769,000.
    Frost Bank's net interest income from loans was $986,505,000.
    Frost Bank's fee based income from loans was $75,656,000.
    Frost Bank's net income from loans was $341,323,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $37,264
    Provision for credit losses $236,955
    Total noninterest expense $845,126
    Salaries and employee benefits $468,366
    Premises and equipment expense $139,125
    Additional noninterest expense $237,635
    Applicable income taxes $25,474
    Net charge-offs $103,436
    Cash dividends $298,884

    Frost Bank's interest expense for loans was $37,264,000.
    Frost Bank's payroll and benefits expense were $468,366,000.
    Frost Bank's property, plant and equipment expenses $139,125,000.

    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 $35,438,909
    Deposits held in domestic offices $35,438,909
    Deposits by Individuals, partnerships, and corporations $33,565,448
    Deposits by U.S. Government $113
    Deposits by States and political subdivisions in the U.S. $1,612,984
    Deposits by Commercial banks and other depository institutions in U.S. $260,266
    Deposits by Banks in foreign countries $98
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $3,071,774
    Demand deposits $2,644,359
    Nontransaction accounts $32,367,135
    Money market deposit accounts (MMDAs) $29,490,709
    Other savings deposits (excluding MMDAs) $1,735,291
    Total time deposits $1,141,135
    Total time and savings deposits $32,794,550
    Noninterest-bearing deposits $15,539,827
    Interest-bearing deposits $19,899,082
    Retail deposits $35,011,361
    IRAs and Keogh plan accounts $156,585
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $42,428,110
    Cash & Balances due from depository institutions $10,291,174
    Interest-bearing balances $9,758,624
    Total securities $12,340,887
    Federal funds sold & reverse repurchase $775
    Net loans and leases $17,218,136
    Loan and leases loss allowance $263,177
    Trading account assets $156,112
    Bank premises and fixed assets $1,045,170
    Other real estate owned $850
    Goodwill and other intangibles $654,230
    All other assets $720,776

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $42,428,110
    Total Liabilities $38,279,526
    Total deposits $35,438,909
    Interest-bearing deposits $19,899,082
    Deposits held in domestic offices $35,438,909
    % insured (estimated) $48
    Federal funds purchased and repurchase agreements $2,116,997
    Trading liabilities $80,152
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $643,468

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $17,218,136
    Loan and leases loss allowance $263,177
    Total loans and leases (domestic) $17,481,313
    All real estate loans $8,364,638
    Real estate loans in domestic offices $8,364,638
    Construction and development loans $1,547,233
    Residential 1-4 family construction $193,931
    Other construction, all land development and other land $1,353,302
    Loans secured by nonfarm nonresidential properties $4,982,326
    Nonfarm nonresidential secured by owner-occupied properties $1,663,877
    Commercial real estate & other non-farm, non-residential $3,318,449
    Multifamily residential real estate $364,906
    1-4 family residential loans $1,441,832
    Farmland loans $28,341
    Loans held in foreign offices $0
    Farm loans $23,261
    Commercial and industrial loans $7,638,108
    To non-U.S. addressees $18,962
    Loans to individuals $492,569
    Credit card loans $0
    Related Plans $390,348
    Consumer Auto Loans $15,186
    Other loans to individuals $87,035
    All other loans & leases $962,737
    Loans to foreign governments and official institutions $0
    Other loans $461,686
    Loans to depository institutions and acceptances of other banks $342
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $2,202
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Frost Bank had $17,218,136,000 of loans outstanding in 2020. $8,364,638,000 of loans were in real estate loans. $1,547,233,000 of loans were in development loans. $364,906,000 of loans were in multifamily mortgage loans. $1,441,832,000 of loans were in 1-4 family mortgage loans. $23,261,000 of loans were in farm loans. $0 of loans were in credit card loans. $15,186,000 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 2,192 $717,811 $327,469
    Nonfarm, nonresidential loans - <$100k 127 $5,606 $44,142
    Nonfarm, nonresidential loans - $100-250k 584 $73,918 $126,572
    Nonfarm, nonresidential loans - $250k-1MM 1,481 $638,287 $430,984
    Commercial & Industrial, US addressed loans - <$1MM 23,900 $2,276,526 $95,252
    Commercial & Industrial, US addressed loans - <$100k 16,567 $482,294 $29,112
    Commercial & Industrial, US addressed loans - $100-250k 3,950 $509,848 $129,075
    Commercial & Industrial, US addressed loans - $250k-1MM 3,383 $1,284,384 $379,658
    Farmland loans - <$1MM 7 $1,436 $205,143
    Farmland loans - $100-250k 3 $212 $70,667
    Farmland loans - $250k-1MM 4 $1,224 $306,000
    Agriculture operations loans - <$1MM 5 $272 $54,400
    Agriculture operations loans - <$100k 2 $32 $16,000
    Agriculture operations loans - $100-250k 3 $240 $80,000