BlastPoint's Banking Scorecard
Frost Bank
San Antonio, TX
222 branches across TX
Frost Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 32.3% in tier
- + Non-Interest-Bearing Deposit Share 13.66% above tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.17% below tier average
- - Efficiency Ratio 8.76% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$52.8B
+1.4% YoY
-0.7% QoQ
|
+$5.8B |
$47.0B
-1.9% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
77% |
| Total Loans ? |
$22.1B
+7.4% YoY
+2.5% QoQ
|
-$7.2B |
$29.4B
-0.4% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
64% |
| Total Deposits ? |
$43.2B
+0.9% YoY
-0.2% QoQ
|
+$4.8B |
$38.4B
-1.6% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
78% |
| Return on Assets ? |
1.31%
+11.3% YoY
+4.0% QoQ
|
+0.03% |
1.28%
+18.7% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
61% |
| Net Interest Margin ? |
3.61%
+3.8% YoY
-0.3% QoQ
|
-0.17% |
3.77%
+5.8% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
54% |
| Efficiency Ratio ? |
62.77%
-1.0% YoY
+0.4% QoQ
|
+8.76% |
54.01%
-3.7% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
26% |
| Delinquency Rate ? |
0.40%
-17.1% YoY
-6.6% QoQ
|
-0.62% |
1.02%
-3.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
51.22%
+6.4% YoY
+2.7% QoQ
|
-29.57% |
80.79%
+1.9% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 7.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.70%
-1.9% YoY
+0.3% QoQ
|
+13.66% |
20.04%
+0.2% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 8.0% in tier |
| Nonperforming Asset Ratio ? |
0.17%
-12.8% YoY
-4.3% QoQ
|
-0.55% |
0.72%
+4.2% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Top 12.4% in tier |
| Tier 1 Capital Ratio ? |
14.43%
+3.4% YoY
+0.7% QoQ
|
-1.09% |
15.51%
-0.4% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.26%
+8.1% YoY
-72.6% QoQ
|
+0.03% |
0.22%
+0.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
77% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.