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Frost Bank


Phone: (800) 513-7678

ACH Number: 114000093

SWIFT Code: FRSTUS44XXX

Frost Bank is an FDIC insured institution headquartered at 111 W Houston St, San Antonio, TX 78205.
It was founded in 1899 and has approximately $51 billion in assets. Customers can open an account at one of its 160 branches.

Deposit Rates - December 09, 2025

SAVINGS RATES APY MIN
SAV
0.40% $0 Compare
CD RATES APY MIN
1 Mo CD
1.50% $1,000 Compare
2 Mo CD
1.60% $1,000 Compare
3 Mo CD
2.85% $1,000 Compare
3 Mo CD
3.20% $100,000 Compare
6 Mo CD
2.70% $1,000 Compare
6 Mo CD
3.10% $100,000 Compare
12 Mo CD
2.25% $1,000 Compare
12 Mo CD
2.70% $100,000 Compare
24 Mo CD
2.05% $1,000 Compare
24 Mo CD
2.55% $100,000 Compare
MM RATES APY MIN
Money Market
1.40% $0 Compare
Money Market
1.40% $25,000 Compare
Money Market
1.45% $50,000 Compare

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 5510
Date Established 1899
Assets $ 51.49 billion
Loans $ 20.98 billion
Deposits $ 42.17 billion
Capital $ 4.09 billion

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 7.12 billion
Interest-bearing balances $ 6.35 billion
Total securities $ 20.06 billion
Federal funds sold and reverse repurchase $ 11.55 million
Net loans and leases $ 20.98 billion
Loan loss allowance $ 277.80 million
Trading account assets $ 189.28 million
Bank premises and fixed assets N.A.
Other real estate owned $ 1.35 million
Goodwill and other intangibles $ 695.31 million
All other assets $ 981.96 million
     Total Assets $ 47.40 billion

LIABILITIES
Total deposits $ 42.17 billion
      Interest-bearing deposits $ 27.94 billion
      Deposits held in domestic offices $ 42.17 billion
      % insured (estimated)" 49.56%
Federal funds purchased and repurchase agreements $ 4.44 billion
Trading liabilities $ 141.97 million
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 558.14 millionn
      Total Liabilities $ 47.40 billion
      Shareholders’ Equity $ 4.09 billion

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 1,188.42 million
Total Interest Expense $ 335.04 million
Net interest income $ 853.39 million
Provision for loan and lease losses $ 26.20 million
Total non interest income $ 240.42 million
Total non interest expense $ 690.51 million
Pre-tax Net Operating Income $ 259.70 million

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Branches

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Frost Bank Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    Frost Bank
    Bank
    -
    $50,000
    N.A.
    0.40%
    1.77x (National Avg. - 0.23%)
    $0
    -
    SCENARIO
    Year Rate
    0.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 200 140
    2 50,200 201 141
    3 50,401 202 141
    4 50,602 202 142
    5 50,805 203 142
    6 51,008 204 143
    7 51,212 205 143
    8 51,417 206 144
    9 51,623 206 145
    10 51,829 207 145
    11 52,036 208 146
    12 52,245 209 146
    13 52,454 210 147
    14 52,663 211 147
    15 52,874 211 148
    16 53,085 212 149
    17 53,298 213 149
    18 53,511 214 150
    19 53,725 215 150
    20 53,940 216 151
    TOTAL $4,156 $2,909
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    4.00%
    17.70x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689


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