Banks | Frost Bank
Language

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 $53 billion in assets. Customers can open an account at one of its 160 branches.

Deposit Rates - January 22, 2026

SAVINGS RATES APY MIN
SAV
0.20% $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
2.70% $1,000 Compare
3 Mo CD
2.90% $100,000 Compare
6 Mo CD
2.65% $1,000 Compare
6 Mo CD
3.05% $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
1.10% $0 Compare
Money Market
1.10% $25,000 Compare
Money Market
1.15% $50,000 Compare




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 5510
Date Established 1899
Assets $ 52.60 billion
Loans $ 21.17 billion
Deposits $ 42.94 billion
Capital $ 4.41 billion

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 7.95 billion
Interest-bearing balances $ 7.32 billion
Total securities $ 20.30 billion
Federal funds sold and reverse repurchase $ 9.65 million
Net loans and leases $ 21.17 billion
Loan loss allowance $ 280.22 million
Trading account assets $ 134.62 million
Bank premises and fixed assets N.A.
Other real estate owned $ 2.01 million
Goodwill and other intangibles $ 693.76 million
All other assets $ 981.96 million
     Total Assets $ 48.19 billion

LIABILITIES
Total deposits $ 42.94 billion
      Interest-bearing deposits $ 28.39 billion
      Deposits held in domestic offices $ 42.94 billion
      % insured (estimated)" 48.91%
Federal funds purchased and repurchase agreements $ 4.60 billion
Trading liabilities $ 96.02 million
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 558.14 millionn
      Total Liabilities $ 48.19 billion
      Shareholders’ Equity $ 4.41 billion

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 1,809.24 million
Total Interest Expense $ 510.42 million
Net interest income $ 1,298.82 million
Provision for loan and lease losses $ 32.98 million
Total non interest income $ 365.49 million
Total non interest expense $ 1,042.06 million
Pre-tax Net Operating Income $ 259.70 million

Customer Reviews for Frost Bank

There are currently no comments for Frost Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review


Rate it here →


Branches

Click on location and enter new zip number to change."
Your current location is: Seattle, WA

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.
    0.20%
    0.89x (National Avg. - 0.23%)
    $0
    -
    SCENARIO
    Year Rate
    0.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 100 70
    2 50,100 100 70
    3 50,200 100 70
    4 50,301 101 70
    5 50,401 101 71
    6 50,502 101 71
    7 50,603 101 71
    8 50,704 101 71
    9 50,806 102 71
    10 50,907 102 71
    11 51,009 102 71
    12 51,111 102 72
    13 51,213 102 72
    14 51,316 103 72
    15 51,418 103 72
    16 51,521 103 72
    17 51,624 103 72
    18 51,727 103 72
    19 51,831 104 73
    20 51,935 104 73
    TOTAL $2,038 $1,427
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.67x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


    Other Banks to Consider