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 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 30 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 a below 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

    5,301

    Origination Dollar Volume (All Markets)

    $900,095,000

    Employee count

    4,553

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

    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.

    Generations Community Federal Credit Union
    Similarity Rank: 704
    U S WIDE FINANCIAL LLC
    Similarity Rank: 924
    AAXY L.L.C.
    Similarity Rank: 1026
    WESTSTAR MORTGAGE CORPORATION
    Similarity Rank: 1408
    CAPITAL PLUS FINANCIAL, LLC
    Similarity Rank: 1866
    TEXANS
    Similarity Rank: 2057
    SMART CHOICE MORTGAGE, A TEXAS LIMITED LIABILITY C
    Similarity Rank: 2164
    Pioneer Bank, SSB
    Similarity Rank: 2200
    DATCU
    Similarity Rank: 2220
    UNION SQUARE
    Similarity Rank: 2220

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,307 $410,405,000 $124,102 $357 4.26%
    HELOC 1,994 $489,690,000 $245,582 n/a 3.92%

    For 2021, Frost Bank's most frequently originated type of loan was Conventional, with 3,307 originations. Their 2nd most popular type was HELOC, with 1,994 originations.

    Loan Reason

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

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

    Loan Duration/Length

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

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

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 3,239 $367,755,000 $113,540
    $1k-2k 33 $17,275,000 $523,485
    $2k-3k 7 $7,025,000 $1,003,571
    $3k-4k 2 $2,490,000 $1,245,000
    $4k-5k 2 $3,640,000 $1,820,000
    $5k+ 1 $3,005,000 $3,005,000

    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 3,239 originations.

    Interest Rates

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

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

    Loan Sizing

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

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

    Applicant Income

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

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

    Applicant Debt to Income Ratio

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

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

    Ethnicity Mix

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

    Approval Rates

    Total approvals of all applications
    56.36%

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

    Pick Rate

    Approvals leading to origination
    82.49%

    Frost Bank has a below average pick rate.

    Points and Fees

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

    Occupancy Type Mix

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

    LTV Distribution

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

    Complaints

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

    Bank Details

    Branches

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

    For 2021, Frost Bank had 167 branches.

    Yearly Performance Overview

    Bank Income

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

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

    Bank Expenses

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

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

    Loan Performance

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

    Deposits

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

    Assets

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

    Liabilities

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

    Issued Loan Types

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

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

    Small Business Loans

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