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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

Frost Bank

San Antonio, Texas · $53.95B in assets · beside the 11 other Texas banks over $10B

The filing

2.2x
Coverage of noncurrent
2nd of 10
52.6%
Loans / deposits
3rd of 12
8.6%
Equity / assets
9th of 12

Frost Bank is the largest of the 12 Texas banks nearest its size over $10B, with $53.95B in assets at 30 June 2026. Loans are 52.6% of deposits, 3rd of 12 against a median of 81.6%, and equity is 8.6% of assets, 9th of 12. Loans grew +8.1% in the year, 4th of 11, and deposits grew 3.5%; the cohort's median loan growth is +4.3%.

Noncurrent loans are 0.55% of the book, 4th of 11 against a median of 0.77%; 0.66% is 30 to 89 days past due, and the allowance covers them 2.2 times. Net charge-offs are 0.13% of loans, 5th of 11. Commercial real estate is 27.7% of loans, 6th of 11 against a median of 27.7%, and 123% of capital, below the 300% screen, with construction at 53% against the 100% screen.

Return on assets is 1.30%, 7th of 12 against a median of 1.33%, on an efficiency ratio of 62.5%, 9th of 12. Five years ago it was 1.06%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsTX banks over $10B · 30 June 2026 · lower is stronger, listed first
median 81.6% CS Charles Schwab Trust Bank 0.0% CS Charles Schwab Premier Bank SS 0.0% FB Frost Bank 52.6% FF First Financial Bank 62.9% PB Prosperity Bank 76.0% AN Amarillo National Bank 78.7% N Nexbank 84.5% TC Texas Capital Bank 84.9% SB Stellar Bank 86.0% SB Sunflower Bank National Association 86.9% PB Plainscapital Bank 87.0% IB International Bank of Com 109.0%
Loans, year over yearTX banks over $10B · 30 June 2026 · no better direction, largest first
median +4.3% SB Sunflower Bank National Association +77.5% PB Prosperity Bank +12.8% IB International Bank of Com +10.3% FB Frost Bank +8.1% PB Plainscapital Bank +6.9% TC Texas Capital Bank +4.3% AN Amarillo National Bank +3.8% FF First Financial Bank +3.2% SB Stellar Bank +3.1% N Nexbank -2.2% CS Charles Schwab Premier Bank SS -100.0%

SBA 7(a), FY2008 to FY2026

Frost Bank is the 15th largest 7(a) lender into Texas of 706, with $590M across 1,310 loans, 1.4% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 23 of its 64 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Harris, TX$173M12th of 3142.1%-1.2 pts
Tarrant, TX$63M17th of 2811.7%-0.8 pts
Travis, TX$60M9th of 2392.4%-3.7 pts
Bexar, TX$57M8th of 2372.7%-1.9 pts
Dallas, TX$45M35th of 3140.8%-0.2 pts
Fort Bend, TX$23M20th of 1801.5%+1.2 pts
Collin, TX$23M28th of 2610.8%-1.7 pts
Williamson, TX$18M12th of 1811.5%+1.9 pts
Denton, TX$15M36th of 2240.8%-0.5 pts
Montgomery, TX$14M21st of 1651.1%+1.6 pts
Galveston, TX$8M15th of 1131.8%-1.5 pts
Ector, TX$7M9th of 712.6%thin
Hays, TX$7M11th of 1231.7%+0.7 pts
51 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services206$104M17.3%0.14%137th of 2,596
Health care & social assistance183$74M12.3%0.16%97th of 2,172
Other services146$68M11.4%0.20%89th of 2,248
Professional & technical services149$59M9.9%0.18%77th of 1,955
Retail trade139$56M9.3%0.09%167th of 2,589
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Frost Bank
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans FB Frost Bank 1.3% $590M · 1,310 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Frost BankRankCohort median
Total CRE against capital, the 300% screen123%7th of 12120%
Construction against capital, the 100% screen53%7th of 1239%
Construction and land development, share of loans11.9%7th of 1110.6%
Non-owner-occupied nonfarm nonresidential, share of loans14.7%7th of 1110.2%
Total CRE, the guidance definition, share of loans27.7%6th of 1127.7%
CRE growth over 36 months, the third prong+4.4%5th of 10+6.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Frost Bank$53.95B1.3%62.5%0.55%0.13%1.2%52.6%8.6%
Prosperity Bank$43.88B1.4%51.1%0.48%0.35%1.5%76.0%18.5%
Texas Capital Bank$33.62B1.0%59.3%0.50%0.27%1.1%84.9%10.1%
Charles Schwab Premier Bank SS$26.58B1.5%14.9%0.00%0.00%0.0%0.0%7.9%
Sunflower Bank National Association$15.65B0.2%75.2%1.63%0.90%1.5%86.9%12.3%
First Financial Bank$15.23B1.7%44.9%0.77%-0.01%1.3%62.9%11.8%
Nexbank$14.16B1.1%50.8%1.47%0.06%0.4%84.5%8.4%
Plainscapital Bank$12.68B1.1%75.1%1.03%0.16%0.9%87.0%10.7%
Charles Schwab Trust Bank$10.51B2.0%25.4%no recordno recordno record0.0%7.7%
Stellar Bank$10.40B-0.6%96.3%0.69%0.14%1.1%86.0%15.2%
Amarillo National Bank$10.38B1.7%49.2%1.54%0.75%1.3%78.7%10.8%
International Bank of Com$10.19B2.7%36.5%2.21%0.03%1.6%109.0%20.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Frost BankCohort median
20212026Change20212026Change
Loans$16.60B$22.98B+38%$5.53B$8.82B+59%
Deposits$39.20B$43.67B+11%$10.30B$12.17B+18%
NPA / loans0.53%0.55%+0.02 pts0.54%0.77%+0.23 pts
Efficiency61.5%62.5%+1.0 pts52.6%51.0%-1.6 pts
ROA1.06%1.30%+0.24 pts1.26%1.33%+0.06 pts

This read was prepared for Frost Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Frost Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks over $10B
Institution www.frostbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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