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Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · catalog mismatch
Q2 2026 · 4,313 institutions · refreshed 8/27/2026
Regulatory profile
FDIC certificate #5510 · RSSD 682563
Recent activity
Deterministic, evidence-linked observations only — not a prediction, rating or recommendation. What counts as Notable.
Frost Bank changed deposits by 38620 USD thousands and market share by 0.02414 points in Hidalgo County, TX
Source ↗Frost Bank changed deposits by 290755 USD thousands and market share by 0.352872 points in Bexar County, TX
Source ↗Frost Bank changed deposits by 78760 USD thousands and market share by 0.491208 points in Williamson County, TX
Source ↗Frost Bank changed deposits by 90026 USD thousands and market share by -0.124734 points in Travis County, TX
Source ↗Frost Bank changed deposits by 125165 USD thousands and market share by -0.20959 points in Harris County, TX
Source ↗Ten-year database
Branch and geographic intelligence
FDIC branch-location snapshot dated 2026-08-22
| Market | State | Locations | Main offices | Earliest establishment |
|---|---|---|---|---|
| Houston | TX | 33 | 0 | Unavailable |
| San Antonio | TX | 31 | 1 | Unavailable |
| Austin | TX | 17 | 0 | Unavailable |
| Dallas | TX | 12 | 0 | Unavailable |
| Fort Worth | TX | 12 | 0 | Unavailable |
| Corpus Christi | TX | 7 | 0 | Unavailable |
| Arlington | TX | 4 | 0 | Unavailable |
| Odessa | TX | 4 | 0 | Unavailable |
| Plano | TX | 4 | 0 | Unavailable |
| Irving | TX | 3 | 0 | Unavailable |
| Mcallen | TX | 3 | 0 | Unavailable |
| Midland | TX | 3 | 0 | Unavailable |
| North Richland Hills | TX | 3 | 0 | Unavailable |
| San Marcos | TX | 3 | 0 | Unavailable |
| Allen | TX | 2 | 0 | Unavailable |
| Carrollton | TX | 2 | 0 | Unavailable |
| Galveston | TX | 2 | 0 | Unavailable |
| Garland | TX | 2 | 0 | Unavailable |
| Grand Prairie | TX | 2 |
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
CULLEN/FROST BANKERS, INC.RSSD 1102367 · 2013-06-01 to current
Unresolved entityRSSD 1022661 · 1989-12-19 to 2013-05-31
CULLEN/FROST BANKERS, INC.RSSD 1102367 · 1973-05-01 to 1989-12-18
Unresolved entityRSSD 5196524 · 2017-12-29 to current
Unresolved entityRSSD 3186389 · 2014-06-21 to 2014-06-24
Unresolved entityRSSD 3217911 · 2014-06-21 to 2014-08-19
Unresolved entityRSSD 1102385 · 2012-10-25 to current
Unresolved entityRSSD 3848735 · 2008-11-19 to 2012-07-31
Unresolved entityRSSD 3768972 · 2008-04-28 to current
2014-06-21RSSD 778466 → 682563 · code 1
2006-12-09RSSD 243151 → 682563 · code 1
2006-06-24RSSD 334750 → 682563 · code 1
2006-02-10RSSD 984557 → 682563 · code 1
2005-10-08RSSD 286466 → 682563 · code 1
2000-05-06RSSD 254951 → 682563 · code 1
No reviewed revisions published.
Latest registered batch · retrieved Aug 27, 2026, 10:51 AM UTC · SHA-256 56519b9e6ae2ada5757ec111f52c6451d5e31d6d47a52fdcf0bf38acf129fcaa · source ↗
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-06-30 | $54.0B | $43.7B | $22.7B | 1.31% | 15.30% | 3.62% |
| 2026-03-31 | $52.8B | $43.2B | $22.1B | 1.31% | 15.35% | 3.61% |
| 2025-12-31 | $53.1B | $43.3B | $21.6B | 1.26% | 15.85% | 3.62% |
| 2025-09-30 | $52.6B | $42.9B | $21.2B | 1.26% | 16.09% | 3.59% |
| 2025-06-30 | $51.5B | $42.2B | $21.0B | 1.21% | 15.88% | 3.55% |
| 2025-03-31 | $52.1B | $42.9B | $20.6B | 1.18% | 15.76% | 3.48% |
| 2024-12-31 | $52.6B | $43.1B | $20.5B | 1.18% | 16.00% | 3.47% |
| 2024-09-30 | $51.1B | $42.2B | $19.8B | 1.17% | 15.77% | 3.47% |
| 2024-06-30 | $48.9B | $40.7B | $19.7B | 1.16% | 16.11% | 3.46% |
| 2024-03-31 | $49.6B | $41.2B | $19.1B | 1.11% | 15.52% | 3.40% |
| 2023-12-31 | $51.0B | $42.4B | $18.6B | 1.21% | 18.80% | 3.37% |
| 2023-09-30 | $48.8B | $41.4B | $18.2B | 1.34% | 21.32% | 3.37% |
| 2023-06-30 | $48.7B | $41.1B | $17.5B | 1.36% | 21.35% | 3.35% |
| 2023-03-31 | $51.3B | $42.6B | $17.3B | 1.38% | 22.43% | 3.33% |
| 2022-12-31 | $53.0B | $44.4B | $16.9B | 1.13% | 17.70% | 2.69% |
| 2022-09-30 | $53.0B | $47.0B | $16.7B | 1.02% | 15.52% | 2.49% |
| 2022-06-30 | $51.8B | $46.1B | $16.5B | 0.87% | 12.29% | 2.26% |
| 2022-03-31 | $51.3B | $45.0B | $16.3B | 0.79% | 10.47% | 2.10% |
| 2021-12-31 | $51.0B | $43.2B | $16.1B | 0.97% | 10.86% | 2.30% |
| 2021-09-30 | $48.0B | $40.2B | $15.6B | 1.03% | 11.20% | 2.38% |
| 2021-06-30 | $46.7B | $39.2B | $16.3B | 1.07% | 11.52% | 2.43% |
| 2021-03-31 | $44.1B | $37.4B | $17.6B | 1.09% | 11.41% | 2.42% |
| 2020-12-31 | $42.4B | $35.4B | $17.2B | 0.90% | 8.48% | 2.82% |
| 2020-09-30 | $40.2B | $33.8B | $18.0B | 0.91% | 8.39% | 2.91% |
| 2020-06-30 | $39.4B | $32.9B | $17.7B | 0.85% | 7.77% | 3.02% |
| 2020-03-31 | $34.2B | $28.6B | $15.1B | 0.67% | 5.91% | 3.18% |
| 2019-12-31 | $34.1B | $27.7B | $14.6B | 1.39% | 12.31% | 3.40% |
| 2019-09-30 | $33.2B | $27.2B | $14.5B | 1.44% | 12.76% | 3.44% |
| 2019-06-30 | $31.9B | $26.1B | $14.3B | 1.46% | 13.15% | 3.45% |
| 2019-03-31 | $31.7B | $26.4B | $14.3B | 1.48% | 13.71% | 3.39% |
| 2018-12-31 | $32.4B | $27.2B | $14.0B | 1.48% | 14.33% | 3.33% |
| 2018-09-30 | $31.3B | $26.5B | $13.7B | 1.46% | 14.24% | 3.31% |
| 2018-06-30 | $30.8B | $26.1B | $13.6B | 1.43% | 13.90% | 3.27% |
| 2018-03-31 | $31.5B | $26.9B | $13.2B | 1.38% | 13.54% | 3.18% |
| 2017-12-31 | $31.8B | $26.9B | $13.0B | 1.21% | 11.97% | 3.10% |
| 2017-09-30 | $31.0B | $26.5B | $12.6B | 1.17% | 11.70% | 3.09% |
| 2017-06-30 | $30.2B | $25.7B | $12.4B | 1.15% | 11.52% | 3.07% |
| 2017-03-31 | $30.6B | $26.2B | $12.0B | 1.13% | 11.59% | 3.01% |
| 2016-12-31 | $30.2B | $25.9B | $11.8B | 1.06% | 10.18% | 2.94% |
| 2016-09-30 | $29.6B | $25.2B | $11.4B | 1.03% | 9.78% | 2.93% |
| 2016-06-30 | $29.0B | $24.3B | $11.4B | 1.00% | 9.45% | 2.93% |
| 2016-03-31 | $28.5B | $24.3B | $11.4B | 0.98% | 9.45% | 2.93% |
| 0 |
| Unavailable |
| Humble | TX | 2 | 0 | Unavailable |
Reviewed NIC structure change on 2014-06-21: RSSD 778466 → 682563 (1). The location count above reflects the current combined network and is not itself a measure of organic branch growth. 20 structure changes are on record for this entity; see History & events for the full list.
Branch locations reflect the latest registered FDIC location release, not real-time openings. Opening/closing attribution to organic growth vs. merger activity remains unavailable beyond the reviewed structure changes noted above. Annual deposit market share by state is available separately, below.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TX | $42.2B | 2.81% | 6 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce and branch productivity
2026-06-30
50b 250b asset cohort · n=33
| Period | FTE | Offices | Assets/FTE | Deposits/FTE | Deposits/office |
|---|---|---|---|---|---|
| 2026-06-30 | 6,103 | 222 | 8,840 | 7,155 | 196,710 |
| 2026-03-31 | 6,058 | 218 | 8,711 | 7,137 | 198,326 |
| 2025-12-31 | 6,008 | 217 | 8,843 | 7,213 | 199,693 |
| 2025-09-30 | 5,957 | 213 | 8,830 | 7,209 | 201,612 |
| 2025-06-30 | 5,947 | 213 | 8,658 | 7,092 | 198,002 |
| 2025-03-31 | 5,915 | 211 | 8,801 | 7,246 | 203,135 |
| 2024-12-31 | 5,854 | 207 | 8,982 | 7,370 | 208,426 |
| 2024-09-30 | 5,787 | 203 | 8,823 | 7,287 | 207,734 |
| 2024-06-30 | 5,711 | 203 | 8,565 | 7,135 | 200,721 |
| 2024-03-31 | 5,602 | 198 | 8,848 | 7,363 | 208,313 |
| 2023-12-31 | 5,495 | 194 | 9,273 | 7,718 | 218,611 |
| 2023-09-30 | 5,410 | 191 | 9,020 | 7,651 | 216,713 |
FTE and domestic offices are official FDIC financial fields for the same quarter. Merger discontinuities and different consolidation scopes can impair comparisons; unavailable denominators remain unavailable. Peer percentiles describe the covered $10B+ asset cohort, not the full banking system.