Side-by-side · Q2 2026 data
Frost Bank vs Texas Capital Bank
Metric by metric
| Measure | Frost Bank | Texas Capital Bank |
|---|---|---|
| TellerScore | 66 | 67 (stronger) |
| Capital cushion | 41 | 57 (stronger) |
| Loan quality | 82 | 83 (stronger) |
| Earnings | 73 (stronger) | 61 |
| Funding & liquidity | 59 (stronger) | 51 |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 58th | 63rd |
| Total assets | $54.0B | $33.6B |
| Deposits / shares | $43.7B | $29.4B |
| Capital ratio | 9.08% | 10.67% (stronger) |
| Problem loans | 0.55% | 0.50% (stronger) |
| Net charge-offs | 0.14% (stronger) | 0.27% |
| Return on assets | 1.31% (stronger) | 1.03% |
| Loans ÷ deposits | 52.0% (stronger) | 84.0% |
| Uninsured deposits | 52.2% | 37.7% (stronger) |
| Offices | 211 | 9 |
| CFPB complaints (3 yrs) | 323 | 140 |
| Complaints per $1B deposits | 7.4 | 4.8 (stronger) |
| Mortgage denial rate (HMDA) | 43.5% | 4.4% |
Texas Capital Bank has the higher TellerScore (67 vs 66). On the 8 directional measures above (where higher or lower is clearly better), Frost Bank leads on 3 and Texas Capital Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.