Frost Bank (FDIC #5510): Bank Stress & Real-Estate Credit Exposure
Frost Bank (FDIC Cert #5510): bank stress 69/100, elevated, STABLE over 7 days; parent CULLEN FROST BANKERS INC.
Frost Bank (#5510) lends in 28 counties across 1 state; Frost Bank (#5510) reaches 769 ZIP codes: Texas 28 counties, 769 ZIPs.
Frost Bank (#5510) largest markets: Harris County, TX (6,578 branches, 143 ZIPs) (#5510), Dallas County, TX (2,375 branches, 95 ZIPs) (#5510), Bexar County, TX (2,496 branches, 78 ZIPs) (#5510), Tarrant County, TX (1,976 branches, 76 ZIPs) (#5510), Travis County, TX (1,197 branches, 63 ZIPs) (#5510), Denton County, TX (240 branches, 40 ZIPs) (#5510).
Frost Bank (#5510) reports $53.95 billion in total assets; Frost Bank (#5510) equity $4.66 billion (8.6% of Frost Bank (#5510) assets); Frost Bank (#5510) domestic deposits $43.67 billion; Frost Bank (#5510) net income $349.9 million; Frost Bank (#5510) return on assets 1.31%; Frost Bank (#5510) return on equity 15.30%; Frost Bank (#5510) net interest income $893.7 million; Frost Bank (#5510) call report June 30, 2026.
Frost Bank (#5510) noncurrent real-estate loans 0.07% of its book; Frost Bank (#5510) residential 0.05%; Frost Bank (#5510) net charge-offs on real estate 0.63%; Frost Bank (#5510) residential charge-offs 0.30%.
Frost Bank (#5510) net interest margin 3.62% against an eight-quarter Frost Bank (#5510) average of 3.55% (Frost Bank (#5510) compression -0.07 points); Frost Bank (#5510) real-estate loans 6.8% of equity; Frost Bank (#5510) non-residential real estate 29.8% of equity; Frost Bank (#5510) rate-exposure score 50/100, Frost Bank (#5510) fixed-rate trap 50/100; Frost Bank (#5510) risk type credit driven; Frost Bank (#5510) rate regime rates elevated, Frost Bank (#5510) snapshot October 19, 2026.
Frost Bank (#5510) stress score moved from 67.9 on June 22, 2026 to 69.1 on October 19, 2026; Frost Bank (#5510) ranged 67.9 to 69.1 over 116 snapshots.
Frost Bank (#5510) alerts: 27 counties; top Frost Bank (#5510) alert scores: Rockwall County, TX 37 (moderate); Victoria County, TX 34 (low); Bastrop County, TX 32 (low); Boerne County, TX 22 (low); College Station County, TX 22 (low).