BlastPoint's Banking Scorecard

Frost Bank

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

San Antonio, TX

222 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 11 in TX.
Deposits +3.5% year over year ($43.7B on the books).
Delinquency rate 0.56%.
Return on assets 1.31%.
Efficiency ratio 62.25% vs a 53.67% peer average.
Loan-to-deposit ratio 51.98% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 11 in TX

View $10B-$250B leaderboard (TX) →

Frost Bank has 2 strengths but faces 5 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

+ Non-Interest-Bearing Deposit Share 13.58% above tier average
+ Delinquency Rate 0.46% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 23.9% in tier
- Credit Risk Growth: Bottom 30.5% in tier
- ROA 0.08% below tier average
- Net Interest Margin 0.30% below tier average
- Efficiency Ratio 8.58% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$54.0B +4.8% YoY +2.2% QoQ	+$10.3B	$43.6B -13.8% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	79%
Total Loans ?	$22.7B +8.2% YoY +2.5% QoQ	-$5.3B	$28.0B -8.6% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	65%
Total Deposits ?	$43.7B +3.5% YoY +1.0% QoQ	+$8.3B	$35.4B -14.0% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	79%
Return on Assets ?	1.31% +8.2% YoY -0.1% QoQ	-0.08%	1.39% +25.9% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	55%
Net Interest Margin ?	3.62% +2.0% YoY +0.5% QoQ	-0.30%	3.92% +8.9% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	51%
Efficiency Ratio ?	62.25% -0.9% YoY -0.8% QoQ	+8.58%	53.67% -1.9% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	22%
Delinquency Rate ?	0.56% +5.1% YoY +40.0% QoQ	-0.46%	1.01% -2.8% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	64%
Loan-to-Deposit Ratio ?	51.98% +4.5% YoY +1.5% QoQ	-30.63%	82.61% +3.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 6.5% in tier
Non-Interest-Bearing Deposit Share ?	34.16% +1.2% YoY +1.4% QoQ	+13.58%	20.58% +4.9% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 7.9% in tier
Nonperforming Asset Ratio ?	0.24% +8.0% YoY +40.2% QoQ	-0.49%	0.73% +5.8% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	84%
Tier 1 Capital Ratio ?	14.42% +2.8% YoY -0.0% QoQ	-0.93%	15.35% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	71%
Non-Interest Income / Assets ?	0.49% +4.4% YoY +89.6% QoQ	-0.01%	0.50% +10.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	71%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	34.2% +0.4pp YoY +0.5pp QoQ	+13.1pp	21.0%	29.2%	22.2%	91%
Brokered Deposits	n/a	n/a	9.2%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	25.1% -2.5pp YoY -0.8pp QoQ	+7.9pp	17.2%	14.8%	12.5%	83%
CRE	47.3% +0.4pp YoY +0.8pp QoQ	+5.3pp	42.0%	48.4%	41.4%	56%
1-4 Family	18.6% +2.0pp YoY +0.5pp QoQ	-4.6pp	23.1%	25.8%	31.3%	39%
Consumer	1.9% -0.1pp YoY 0.0pp QoQ	-10.9pp	12.9%	4.7%	5.0%	56%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	14.4% +0.4pp YoY 0.0pp QoQ	-0.8pp	15.3%	22.7%	19.7%	71%
Leverage Ratio	9.1% +0.4pp YoY 0.0pp QoQ	-1.3pp	10.4%	12.6%	12.6%	19%
Total Capital Ratio	15.4% +0.4pp YoY 0.0pp QoQ	-1.1pp	16.5%	23.8%	20.8%	69%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	6,103 +156 (+2.6%) YoY +45 (+0.7%) QoQ	+2,845	3,258	186	482	88%
Assets per Employee ($)	$8.8M +2.1% YoY +1.5% QoQ	-$18.2M	$27.0M	$10.1M	$8.8M	20%
Branch Count	222 +9 (+4.2%) YoY +4 (+1.8%) QoQ	+84	137	12	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% -0.2pp YoY 0.0pp QoQ	-0.3pp	0.4%	0.3%	0.4%	56%
Nonaccrual	0.5% +0.2pp YoY +0.2pp QoQ	-0.2pp	0.7%	1.0%	1.0%	37%
Allowance Coverage	2.24x -10.2% YoY -30.9% QoQ	-0.57x	2.81x	18.82x	20.23x	66%
Net Charge-off Rate (YTD)	0.1% -0.1pp YoY 0.0pp QoQ	-0.3pp	0.4%	0.1%	0.2%	45%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	15.3% -0.6pp YoY 0.0pp QoQ	+2.7pp	12.6%	13.2%	11.6%	76%
Cost of Funds (YTD)	1.1% -0.3pp YoY 0.0pp QoQ	-0.8pp	2.0%	1.6%	1.7%	6%
Net Income ($, YTD)	$349.9M +10.8% YoY — QoQ	+$53.1M	$296.8M	$15.9M	$40.4M	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 (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk

#17 of 67 • Bottom 23.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.56%

(Tier: 1.01%, National: 0.98%)

better than tier avg

67 of 67 Large banks match · 1820 nationally

→ Stable -71 banks QoQ

Credit Risk Growth

risk

#19 of 59 • Bottom 30.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

59 of 59 Large banks match · 1401 nationally

→ Stable -58 banks QoQ

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 139 peers in $10B-$250B

Top Strengths (5 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 51.98%

Peer Median: 82.61%

#10 of 139 Top 6.5% in $10B-$250B

Non-Interest-Bearing Deposit Share

funding

Value: 34.16%

Peer Median: 20.58%

#12 of 139 Top 7.9% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.24%

Peer Median: 0.73%

#23 of 139 Top 15.8% in $10B-$250B

Total Assets

size

Value: $53.95B

Peer Median: $43.60B

#30 of 139 Top 20.9% in $10B-$250B

Total Deposits

size

Value: $43.67B

Peer Median: $35.42B

#30 of 139 Top 20.9% in $10B-$250B

Top Weaknesses (1 metrics)

109

Efficiency Ratio

profitability

Value: 62.25%

Peer Median: 53.67%

#109 of 139 Bottom 22.3% in $10B-$250B