BlastPoint's Banking Scorecard

Frost Bank

$10B-$250B Specialty: Commercial TX FDIC cert 5510

San Antonio, TX

222 branches across TX

135 banks in the $10B-$250B peer group nationally 10 in TX

Frost Bank has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 32.3% in tier
+ Non-Interest-Bearing Deposit Share 13.88% above tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.16% below tier average
- Efficiency Ratio 8.86% above tier average

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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	+$5.4B	$47.4B -2.0% YoY	$2.2B +1.1% YoY	$6.2B +9.0% YoY	77%
Total Loans ?	$22.1B +7.4% YoY +2.5% QoQ	-$7.5B	$29.6B -0.4% YoY	$1.0B +10.3% YoY	$3.2B +10.7% YoY	63%
Total Deposits ?	$43.2B +0.9% YoY -0.2% QoQ	+$4.5B	$38.7B -1.6% YoY	$1.9B +3.3% YoY	$4.8B +8.0% YoY	78%
Return on Assets ?	1.31% +11.3% YoY +4.0% QoQ	+0.03%	1.28% +19.3% YoY	1.40% +10.4% YoY	1.24% +13.1% YoY	61%
Net Interest Margin ?	3.61% +3.8% YoY -0.3% QoQ	-0.16%	3.77% +5.6% YoY	4.02% +2.6% YoY	3.89% +5.7% YoY	55%
Efficiency Ratio ?	62.77% -1.0% YoY +0.4% QoQ	+8.86%	53.90% -4.0% YoY	63.21% -2.3% YoY	66.84% -3.8% YoY	25%
Delinquency Rate ?	0.40% -17.1% YoY -6.6% QoQ	-0.62%	1.02% -4.1% YoY	0.96% +37.0% YoY	0.95% +18.8% YoY	76%
Loan-to-Deposit Ratio ?	51.22% +6.4% YoY +2.7% QoQ	-29.66%	80.88% +2.0% YoY	67.20% -0.8% YoY	76.69% +0.9% YoY	Top 7.4% in tier
Non-Interest-Bearing Deposit Share ?	33.70% -1.9% YoY +0.3% QoQ	+13.88%	19.82% +0.3% YoY	29.01% -1.0% YoY	22.01% -1.1% YoY	Top 7.4% in tier
Nonperforming Asset Ratio ?	0.17% -12.8% YoY -4.3% QoQ	-0.56%	0.73% +4.0% YoY	0.62% +32.0% YoY	0.66% +19.3% YoY	Top 12.6% in tier
Tier 1 Capital Ratio ?	14.43% +3.4% YoY +0.7% QoQ	-1.13%	15.56% -0.1% YoY	18.06% +0.0% YoY	17.06% +0.8% YoY	69%
Non-Interest Income / Assets ?	0.26% +8.1% YoY -72.6% QoQ	+0.03%	0.23% +0.9% YoY	0.20% +4.1% YoY	0.32% +4.0% YoY	76%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#12 of 34 • Top 32.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.40%

(Tier: 1.02%, National: 0.95%)

better than tier avg

34 of 34 Large banks match · 922 nationally

→ Stable +3 banks QoQ

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 135 peers in $10B-$250B

Top Strengths (7 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 51.22%

Peer Median: 80.88%

#11 of 135 Top 7.4% in $10B-$250B

Non-Interest-Bearing Deposit Share

funding

Value: 33.70%

Peer Median: 19.82%

#11 of 135 Top 7.4% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.17%

Peer Median: 0.73%

#18 of 135 Top 12.6% in $10B-$250B

Total Deposits

size

Value: $43.24B

Peer Median: $38.75B

#31 of 135 Top 22.2% in $10B-$250B

Total Assets

size

Value: $52.77B

Peer Median: $47.36B

#32 of 135 Top 23.0% in $10B-$250B

Non-Interest Income / Assets

revenue_mix

Value: 0.26%

Peer Median: 0.23%

#33 of 135 Top 23.7% in $10B-$250B

Delinquency Rate

credit_quality

Value: 0.40%

Peer Median: 1.02%

#33 of 134 Top 23.9% in $10B-$250B

Top Weaknesses (0 metrics)

No weakness rankings available