Is Frost Bank Safe?
Frost Bank has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (76/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.56% | 89/100 |
| Nonperforming Loan Ratio | 0.44% | 91/100 |
| Liquidity Ratio | 52.77% | 100/100 |
| Return on Assets | 1.40% | 76/100 |
| Total Assets | $48.9B | |
How does Frost Bank compare?
With a Bank Health Score of 91/100, Frost Bank sits 21.0 points above the national average of 70/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, Frost Bank ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 13.56% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.44% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Frost Bank's Bank Health Score fell by 1.0 points to 91/100. Tier 1 capital strengthened by 0.10 percentage points to 13.56%. Quarter-over-quarter, the score rose by 1.0 points.
Frost Bank has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (76/100).