# Frost

> Frost is a Texas-focused bank that serves consumers, businesses, institutions and wealthy families with deposits, loans, treasury services, investments, trust, capital markets and insurance. Its unusual position is a deliberate middle ground: the technology and product breadth of a large bank, the local knowledge and personal attention of a community bank, and a statewide footprint that it is still expanding.

- **Founded:** 1868
- **Headquarters:** San Antonio, United States
- **Founders:** Thomas Claiborne Frost (Founder)
- **Team size:** More than 6,000 employees statewide; provided company data lists approximately 6,100.
- **Products:** Personal banking, Business and commercial banking, Wealth management and investments, Insurance, Capital markets and public finance
- **Notable:** Ranked highest in Texas in the J.D. Power U.S. Retail Banking Satisfaction Study for 17 consecutive years through 2026., Only Texas-based bank recognized in 2025 by Coalition Greenwich for overall satisfaction, ease of doing business and customer service in both small business and middle-market banking., Named the No. 4 top-performing bank with more than $50 billion in assets by American Banker for 2025.

## Products & services

- **Personal banking** — Checking, savings, money market accounts, certificates of deposit, cards, personal loans, home lending and digital banking for Texas consumers.
- **Business and commercial banking** — Deposits, lending, lines of credit, equipment and real-estate finance, merchant services, treasury management, global trade and cash-management tools.
- **Wealth management and investments** — Financial planning, managed and brokerage accounts, retirement services, mutual funds, trust and fiduciary services, custody and family-legacy planning.
- **Insurance** — Property and casualty coverage, employee benefits, risk management, executive protection and personal insurance brokerage.
- **Capital markets and public finance** — Fixed-income sales and trading, underwriting, advisory, safekeeping, municipal finance and services for governments and nonprofits.
- **Frost App and online banking** — Mobile and web access for transfers, bills, alerts, deposits, payments and account management, supported by live human help.

## Achievements

- Ranked highest in Texas in the J.D. Power U.S. Retail Banking Satisfaction Study for 17 consecutive years through 2026.
- Only Texas-based bank recognized in 2025 by Coalition Greenwich for overall satisfaction, ease of doing business and customer service in both small business and middle-market banking.
- Named the No. 4 top-performing bank with more than $50 billion in assets by American Banker for 2025.
- Frost mutual funds received a 2025 Investor's Business Daily Best Mutual Fund award for the third consecutive year.
- Survived the Texas banking crisis of the 1980s without federal assistance or an out-of-state takeover.
- Declined TARP bailout funds in 2008.
- Became the first Texas bank to offer ATMs in 1979.

## Latest updates

- **2026-06** — Cullen/Frost reported $53.9 billion in assets at June 30, while Frost's statewide network exceeded 200 financial centers.
- **2026-03** — Frost ranked highest in Texas retail banking satisfaction for the 17th consecutive year in J.D. Power's 2026 study, with a score of 757.
- **2026-01** — Cullen/Frost reported 2025 net income of $648.6 million, period-end assets of $53.0 billion and period-end deposits of $42.9 billion.
- **2025-12** — Frost opened 10 financial centers during 2025 across Austin, Dallas and San Antonio as part of its organic expansion strategy.
- **2025-05** — The bank approached its 200th financial center, with a Pflugerville location planned as the milestone site.

## Links

- Website: https://www.frostbank.com
- LinkedIn: https://www.linkedin.com/company/frostbank
- Twitter/X: https://twitter.com/FrostBank
- YouTube: https://www.youtube.com/@frostbank
- Facebook: https://www.facebook.com/FrostBank

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Profile page: https://yespress.io/frost
Published by YesPress — https://yespress.io
Last updated: 2026-08-13