BlastPoint's Banking Scorecard
Frost Bank
Large
Specialty: Commercial
TX
FDIC cert 5510
San Antonio, TX
69
banks in Large tier nationally
4 in TX
View Large leaderboard (TX) →
Frost Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 24% in Large
- + Non-Interest-Bearing Deposit Share 13.63% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$53.1B
+1.0% YoY
+1.0% QoQ
|
-$21.7B |
$74.9B
-4.4% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
55% |
| Total Loans ? |
$21.6B
+5.5% YoY
+2.1% QoQ
|
-$24.8B |
$46.4B
-2.1% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$43.3B
+0.4% YoY
+0.9% QoQ
|
-$17.1B |
$60.5B
-4.5% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
57% |
| Return on Assets ? |
1.26%
+7.0% YoY
+0.4% QoQ
|
+0.07% |
1.19%
+17.8% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
3.62%
+4.2% YoY
+0.7% QoQ
|
+0.16% |
3.46%
+13.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
62.53%
+0.8% YoY
+0.3% QoQ
|
+7.50% |
55.03%
-2.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? |
0.43%
-7.6% YoY
+64.7% QoQ
|
-0.45% |
0.88%
-0.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
49.87%
+5.0% YoY
+1.2% QoQ
|
-31.85% |
81.72%
+3.9% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.60%
-2.5% YoY
-0.9% QoQ
|
+13.63% |
19.97%
+0.5% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
0.18%
-14.8% YoY
+62.9% QoQ
|
-0.38% |
0.55%
+9.0% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 12% in tier |
| Tier 1 Capital Ratio ? |
14.33%
+4.1% YoY
-0.1% QoQ
|
+1.00% |
13.33%
-0.7% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.94%
+7.5% YoY
+34.8% QoQ
|
-0.15% |
1.09%
+2.4% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#5 of 18 · Top 24% in Large
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.43%
(Tier: 0.88%, National: 0.66%)
18 of 18 Large banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Non-Interest-Bearing Deposit Share
metric
Top 4%
in Large
Why this stands out
Current:
33.60%
(Tier avg: 19.97%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 33.60% · Tier avg: 19.97%
90
90th pctile
Loan-to-Deposit Ratio
Current: 49.87% · Tier avg: 81.72%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.55%
77
77th pctile
Delinquency Rate
Current: 0.43% · Tier avg: 0.88%
74
74th pctile
Tier 1 Capital Ratio
Current: 14.33% · Tier avg: 13.33%
65
65th pctile
Non-Interest Income / Assets
Current: 0.94% · Tier avg: 1.09%
64
64th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.46%
62
62th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.19%
57
57th pctile
Total Deposits
Current: $43.3B · Tier avg: $60.5B
55
55th pctile
Total Assets
Current: $53.1B · Tier avg: $74.9B
28
28th pctile
Total Loans
Current: $21.6B · Tier avg: $46.4B
18
18th pctile
Efficiency Ratio
Current: 62.53% · Tier avg: 55.03%
Top Weaknesses
18
18th pctile
Efficiency Ratio
Current: 62.53% · Tier avg: 55.03%
28
28th pctile
Total Loans
Current: $21.6B · Tier avg: $46.4B
55
55th pctile
Total Assets
Current: $53.1B · Tier avg: $74.9B
57
57th pctile
Total Deposits
Current: $43.3B · Tier avg: $60.5B
62
62th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.19%
64
64th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.46%
65
65th pctile
Non-Interest Income / Assets
Current: 0.94% · Tier avg: 1.09%
74
74th pctile
Tier 1 Capital Ratio
Current: 14.33% · Tier avg: 13.33%
77
77th pctile
Delinquency Rate
Current: 0.43% · Tier avg: 0.88%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.55%
90
90th pctile
Loan-to-Deposit Ratio
Current: 49.87% · Tier avg: 81.72%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 33.60% · Tier avg: 19.97%