# FROST BANK
SAN ANTONIO, TX · FDIC certificate 5510 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $53.95B | |
| Deposits | $43.67B | |
| Loans and leases | $22.98B | |
| Total equity | $4.66B | |
| Loans / deposits | 51.98% (p6 of band) | 85.78% |
| Liquid assets / assets | 51.74% (p91 of band) | |
| Uninsured deposits / deposits | 52.16% (p87 of band) | 38.39% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.10% (p58 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.08% (p22 of band) | 10.17% |
| Unrealized securities loss / equity | -25.52% (p6 of band) | -7.43% |
| AOCI / equity | -0.19% (p59 of band) | |
| ROA (annualized) | 1.31% (p56 of band) | 1.24% |
| Net interest margin | 3.62% (p53 of band) | 3.57% |
| Efficiency ratio | 62.25% (p79 of band) | |
| Noncurrent loans | 0.55% (p41 of band) | 0.66% |
| Net charge-offs (annualized) | 0.06% (p39 of band) | |
| Reserve coverage of noncurrent | 224.01% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 58.73% (p83 of band) | |
| Auto loans | $14.1M (0.06% of loans; DQ 1.12%, NCO 0.00%) | |
| Loans to nondepository financials | $961.0M (21% of equity) (p69 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 6103 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 2 | reserve under noncurrent |  |
| 2012-12 | 1 |  | reserve under noncurrent |
| 2013-03 | 2 | reserve under noncurrent |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | uninsured deposits >50% |  |
| 2014-12 | 1 | capital falling | uninsured deposits >50% |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | uninsured deposits >50% |  |
| 2015-12 | 0 |  | uninsured deposits >50% |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 1 | uninsured deposits >50% | capital falling |
| 2017-06 | 0 |  | uninsured deposits >50% |
| 2017-09 | 2 | uninsured deposits >50%, reserve under noncurrent |  |
| 2017-12 | 1 |  | uninsured deposits >50% |
| 2018-03 | 0 |  | reserve under noncurrent |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | uninsured deposits >50% |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | NIM <2.5% |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | leverage <7% |  |
| 2022-03 | 5 | AOCI drag >20% of equity |  |
| 2022-06 | 5 | securities losses >30% of equity | capital falling |
| 2022-09 | 5 |  |  |
| 2022-12 | 3 |  | NIM <2.5%, leverage <7% |
| 2023-03 | 3 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 5 | assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 4 |  | uninsured deposits leaving |
| 2023-12 | 2 |  | deposits shrinking, assets shrinking |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | securities losses >30% of equity |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-03 [Frost CEO warns of ‘race to the bottom’ on Texas loan structure - Banking Dive](https://news.google.com/rss/articles/CBMioAFBVV95cUxNa3kzSk5fb1NESFI1azNad0tnRWY2M3J3UVlaSWZNekVKMWtoUDVrMXVldWhNejFxRXZpUnBXdkhvRU12R3VOZ3FEcXRpVlpHdGhLUUs0Rk5Kb3dKSUNucWs5ZkUyRHg5dzN2ZzVldHhpX1dlU2dYWXBEZ0NsMml1XzBlem1mNWJTTzRzenR5bWI2cDhieWQyaDdST2Y2V2FX?oc=5) · Banking Dive
- 2026-08-14 [Frost Bank to build new branch in Valley Ranch Town Center | New Caney - Porter - Community Impact](https://news.google.com/rss/articles/CBMiswFBVV95cUxNQnVtQS1XYjdwc0VTLTQyRVVCZTNhS041YXlKSFk2UWM2OE5XcGdPYVdMR1NPd1BvdkZwUHNJZi1MYTRidnZrYWZoNV8ycVAtanRkR3NkNkFDVDUtWlBpY21qVXhLR0FseDY1Q1VEZjVyQXdPeWd1ZkJnRGRGYnh6VUpBdmtlR2dkQWtXQUI1VXktbUtHcTRqX294QXhYQldZcmYxSF9sRFFpaWZ0WXBvdlRKQQ?oc=5) · Community Impact
- 2026-07-30 [San Antonio’s Frost Bank tops earnings estimate as Texas expansion continues - San Antonio Express-News](https://news.google.com/rss/articles/CBMiogFBVV95cUxQZ1lEbEMwU1BWTmlEaVk4MjYycjdLYkFrS3FQR0Zpc0RzcVJMXzJBYTJUdE5seUVhMGpjRmFtWTJHOTAwNFo1NkpWaUpxWGlDSFVTdjdnd0llLTRLNWJFMk05V3hHdVlWRnd6Z3NnU3JERGduVGZiX1ZGeWlOZ2N3VFRqdnBVVGJNNDJjT2hmd0l0NVhTbC0zSjlmQ2hNMmVFOUE?oc=5) · San Antonio Express-News
- 2026-04-01 [Frost Bank Becomes Official Financial Literacy Partner of Texas Rangers in Frost's First MLB Deal - PR Newswire](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQaEtlUjVmcWNNazNuVGhKZG94blpPWDVoVGFVaTJWMV9PZ1Rac1g2bUM2TFJlU002aUNOTXFvalJlWEZrRFBhREdQWHF5NVl3V3lPd0RQLVhBaVZ4LWRZTFJyRmh3SDI1dm1HanJkNm5kZ0N2SVJPUGU5OGFtOHZzTl9NbFdLM0FuNGp5cTlhbE1MMzlYVnlIYUF3ckV2Z3FmTnRkbktMYmRneGk1U0syTWlwMHFpNnJpaGxEYkdpeVNoYjVJbTM4NGViMkpHMGZCNTA5VnlBSi1QaXV6TnE1YTk3NmV6X0k?oc=5) · PR Newswire
- 2026-08-04 [Commercial loan pipeline hits record levels at two San Antonio banks - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxPcWhyVWdBTkhfd05aa3E1bHJYZjNRNFRFTzB3NnNtdTQ1WXZQZkpvREp5Wm5QT0NULXFoenh2Sl9lbVB5NlNLY0NYWXBidDR2WmxqeUdDUEp3aTIzOHRaT2xUcFpjdWRQb3lpaTRubXhrWWJZV1pvUlJJVHJONWpIaUR4Y0NjWUZrd1pWSE1LbVFHMFV1ZlNWLW5fcUFYaXRjRWw3SE9uYnRVelN1?oc=5) · The Business Journals
- 2026-07-28 [Frost Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMiakFVX3lxTFAxc0xwTHNqMWJHQ2xhVzZlRHNEUVcyclRoOC1qZXFQOHoxcWw4UFg0Yy1GaVA5OEVVa1JsXy1wUDd5bHU3SHdvTU9yVWppYmZreTRjRjNlR3hWWG9YNGVLVUJUNjZLUjFHV2c?oc=5) · reveliolabs.com
- 2026-08-13 [Best banks in Texas for 2026 - Yahoo Finance](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOcllrNS00NnQ2d3RNbFQtOTNrUXFlZTF5TjRzQmg2T0JITFY5eFFheHRzYWVSUzNUV3I1WmxJUHZMaU9OenduNG9xU0pfcjQyeTMyd2NtNWM1QTJURFR5Y0ZyNzZTWHNqZ3JUSDdWM3RZSUpiOGhZY0lXa1BOS25oZ3VzS3Q3UDdC?oc=5) · Yahoo Finance
- 2026-04-07 [Frost Bank Scales Mortgage Growth In Texas - National Mortgage Professional](https://news.google.com/rss/articles/CBMijgFBVV95cUxPaXhRYW5yYmlmZGJyWHRYZDB3ZmU3ekxwRENjY0ZiY0V1TFpPSjZsRHpCZEVudlZnZHhPVHNFZDFaWmF1WUVxWG8xZzhhdUxMZWFyUE02YTk3UlYxeHlRZVlXTTNXbVIyVjlWNHpmb1lXNDhwUjR3WF80MXVVQWhNdk1TX0RSa0V3eHVXVl93?oc=5) · National Mortgage Professional

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5510 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/6.json (key "5510", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide