← Back to Institutions
Frost Bank
San Antonio, TX·FDIC Cert #5510·Charter: STATE·Est. 18990220.0·HC: CULLEN FROST BANKERS INC
Total Assets
$53.1B
Q4 2025
Return on Assets
1.26%
+0.00%Peer avg: 1.19%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
62.53%
Peer avg: 52.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
67
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.26%+0.00
ROE
15.85%-0.24
Efficiency
62.53%+0.19
Equity/Assets
0.00%+0.00
NPL Ratio
0.43%+0.17
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
49.87%+0.58
Charge-offs
0.16%-0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.1 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.3 | 1.3 |
| ROE | 15.5 | 16.1 | 15.8 | 16.0 | 15.8 | 15.9 | 16.1 | 15.8 |
| Efficiency | 64.0 | 62.5 | 62.2 | 62.0 | 63.4 | 62.8 | 62.3 | 62.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.6 | 0.4 | 0.6 | 0.5 | 0.5 | 0.5 | 0.3 | 0.4 |
| Charge-offs | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 |
| Loan/Deposit | 46.4 | 48.4 | 46.9 | 47.5 | 48.1 | 49.7 | 49.3 | 49.9 |
Balance Sheet
Total Assets$53.1B
Total Deposits$43.3B
Total Loans$21.6B
Total Equity$4.5B
Profitability
ROA1.26%
ROE15.85%
Efficiency Ratio62.53%
Net Income$662.2M
Risk & Asset Quality
NPL Ratio0.43%
Charge-off Rate0.16%
Loan/Deposit49.87%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans