Bank health / #5510
Frost Bank
San Antonio, Texas · State commercial bank, Fed member (FRB) · CULLEN/FROST BKR · www.frostbank.com
Not a CAMELS rating. The FinObservatory Composite is a transparent proxy computed only from public FDIC call-report data. It is not the confidential examiner-assigned CAMELS rating, and it is not investment or deposit advice: a high score is not a solvency guarantee, a low score is not a failure prediction. In the 2023 failures, public ratios rated Silicon Valley Bank above average the quarter before it failed, because the cause (unrealized long-duration securities losses against a concentrated deposit base) is invisible in these fields. Full methodology and caveats.
Source: FDIC BankFind Suite (institutions, financials) Methodology
Composite and ratio trends
Quarterly, 1992Q1–2026Q1. The raw call-report ratios run back to 1992Q1 where FDIC reports them (the 1992–2014 history and the 2015–present panel join at a continuous, non-overlapping seam). The FinObservatory Composite begins 2015Q1 only: its peer-percentile scoring is built on the 2015+ panel, and pre-2015 quarters are shown as a gap rather than back-filled with an incomparable score. A field FDIC does not report for a given quarter is a gap, not a zero. Each panel has its own scale. Hover to read any quarter.
Source: FDIC BankFind Suite (institutions, financials) Noncurrent loans = loans 90+ days past due or nonaccrual, as a share of gross loans; loans-to-deposits is net loans over deposits. Methodology
Peer context (UBPR-style)
2026Q1. Peers are the 144 banks reporting this quarter with $10B - $250B in total assets, the same asset tier the Composite ranks within (the five tiers: Under $100M, $100M - $1B, $1B - $10B, $10B - $250B, $250B and up). Percentile ranks the bank's raw ratio among the n peers reporting it, ascending, with average rank for ties (the Composite builder's tie convention), so a high noncurrent-loans percentile means more noncurrent loans than peers. Unlike the Composite, nothing is inverted here.
| Ratio | Bank | Peer median | Percentile | n |
|---|---|---|---|---|
| Tier-1 leverage ratio | 9.07% | 9.98% | 23 | 144 |
| Noncurrent loans / gross loans | 0.39% | 0.70% | 26 | 144 |
| Loan-loss reserve / gross loans | 1.28% | 1.13% | 65 | 144 |
| Return on assets | 1.31% | 1.19% | 63 | 144 |
| Net interest margin | 3.61% | 3.50% | 56 | 144 |
| Interest expense / earning assets | 1.11% | 1.82% | 10 | 144 |
| Brokered deposits / total deposits | 0.00% | 3.93% | 9 | 138 |
Source: FDIC BankFind Suite (institutions, financials) | FFIEC UBPR User's Guide The bank / peer median / percentile grammar mirrors the FFIEC Uniform Bank Performance Report presentation, applied to public FDIC data; this is not the UBPR itself, and the asset tiers are FinObservatory peer groups, not FFIEC's. Methodology
This scorecard is a public-data proxy, not a CAMELS rating and not investment or deposit advice. See the methodology and caveats.