The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 2 points (64 → 66), mostly because the capital cushion component improved by 4 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Texas

Yes. Frost Bank is an FDIC-insured institution (FDIC certificate #5510). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 52.2% of deposits ($22.8B) are above the $250,000 FDIC insurance limit, above the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.08%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.42% (benchmark: 10%).

Check how much of your own balance is covered

Frost Bank lists 211 offices in 86 cities. Most locations:

• Houston, TX (32)
• San Antonio, TX (24)
• Austin, TX (16)
• Dallas, TX (12)
• Fort Worth, TX (11)
• Corpus Christi, TX (7)
• Arlington, TX (4)
• Odessa, TX (4)
• Plano, TX (4)
• Irving, TX (3)
• Midland, TX (3)
• North Richland Hills, TX (3)

All branch addresses and map

Over the last three years, the CFPB forwarded 323 consumer complaints about CULLEN/FROST BANKERS, INC. to the company (156 in the last 12 months). 99.1% received a timely response. That is 7.4 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, Frost Bank reported 11,774 home-loan applications under HMDA (LEI G5AHTAP80NWA3Q8RDC78): 6,118 originated ($1,381,030,000 total), 4,990 denied, and 292 withdrawn or closed by the applicant. Its denial rate on decided applications was 43.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Frost Bank

Former names

The Frost National Bank of San Antonio; The Frost National Bank

Type

State-chartered bank (Fed member)

FDIC certificate #

5510

RSSD ID

682563

Primary regulator

FED

Holding company

Cullen Frost Bankers Inc

Established

February 20, 1899

Headquarters

111 W Houston St, San Antonio, TX 78205

Website

www.frostbank.com

Employees

6,103