Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

FROST BANK

FDIC #5510 · TX · period 20260630

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Total assets28,467,954-6.82% YoY

Total deposits24,253,057-7.44% YoY

Net loans and leases11,380,159-5.42% YoY

Return on assets0.98%-13.36% YoY

Return on equity9.45%-18.46% YoY

Net interest margin2.93%-2.67% YoY

Peer position

Return on assets60thin line · n=35

Return on equity76thstrength · n=33

Net interest margin69thin line · n=35

Equity to assets24thopportunity · n=33

Noncurrent loans67thin line · n=33

Liquid assets91ststrength · n=33

Brokered deposits100thstrength · n=33

Loans to deposits91ststrength · n=33

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	28,467,954	24,253,057	11,380,159	0.98	9.45	2.93
2016-06-30	29,003,688	24,337,632	11,434,016	1.00	9.45	2.93
2016-09-30	29,633,441	25,157,446	11,432,072	1.03	9.78	2.93
2016-12-31	30,223,311	25,881,842	11,821,316	1.06	10.18	2.94
2017-03-31	30,552,661	26,201,624	12,032,076	1.13	11.59	3.01
2017-06-30	30,227,278	25,665,873	12,362,835	1.15	11.52	3.07
2017-09-30	31,028,791	26,459,062	12,550,508	1.17	11.70	3.09
2017-12-31	31,797,038	26,945,665	12,985,680	1.21	11.97	3.10
2018-03-31	31,548,615	26,884,479	13,214,145	1.38	13.54	3.18
2018-06-30	30,754,455	26,090,903	13,562,356	1.43	13.90	3.27
2018-09-30	31,332,699	26,480,901	13,677,260	1.46	14.24	3.31
2018-12-31	32,355,408	27,238,210	13,967,601	1.48	14.33	3.33
2019-03-31	31,709,591	26,360,529	14,271,656	1.48	13.71	3.39
2019-06-30	31,882,004	26,083,186	14,324,230	1.46	13.15	3.45
2019-09-30	33,171,611	27,242,382	14,498,363	1.44	12.76	3.44
2019-12-31	34,105,305	27,719,138	14,618,150	1.39	12.31	3.40
2020-03-31	34,248,863	28,554,478	15,074,387	0.67	5.91	3.18
2020-06-30	39,440,541	32,939,047	17,720,708	0.85	7.77	3.02
2020-09-30	40,175,518	33,783,610	17,961,001	0.91	8.39	2.91
2020-12-31	42,428,110	35,438,909	17,218,136	0.90	8.48	2.82
2021-03-31	44,092,014	37,387,842	17,628,605	1.09	11.41	2.42
2021-06-30	46,734,243	39,201,245	16,343,108	1.07	11.52	2.43
2021-09-30	47,975,878	40,181,433	15,582,587	1.03	11.20	2.38
2021-12-31	50,953,666	43,224,776	16,087,766	0.97	10.86	2.30
2022-03-31	51,325,447	44,991,896	16,295,732	0.79	10.47	2.10
2022-06-30	51,845,683	46,111,332	16,496,397	0.87	12.29	2.26
2022-09-30	53,006,093	47,016,476	16,716,318	1.02	15.52	2.49
2022-12-31	52,953,767	44,359,079	16,927,164	1.13	17.70	2.69
2023-03-31	51,285,722	42,586,831	17,254,510	1.38	22.43	3.33
2023-06-30	48,652,188	41,107,647	17,517,552	1.36	21.35	3.35
2023-09-30	48,799,477	41,392,199	18,157,031	1.34	21.32	3.37
2023-12-31	50,957,079	42,410,482	18,580,578	1.21	18.80	3.37
2024-03-31	49,567,514	41,246,014	19,137,935	1.11	15.52	3.40
2024-06-30	48,914,623	40,746,370	19,739,438	1.16	16.11	3.46
2024-09-30	51,060,144	42,170,008	19,791,508	1.17	15.77	3.47
2024-12-31	52,580,731	43,144,271	20,484,674	1.18	16.00	3.47
2025-03-31	52,059,472	42,861,521	20,626,573	1.18	15.76	3.48
2025-06-30	51,489,892	42,174,331	20,976,771	1.21	15.88	3.55
2025-09-30	52,598,588	42,943,439	21,165,565	1.26	16.09	3.59
2025-12-31	53,127,804	43,333,423	21,610,318	1.26	15.85	3.62
2026-03-31	52,769,892	43,235,075	22,146,209	1.31	15.35	3.61
2026-06-30	53,950,075	43,669,523	22,701,246	1.31	15.30	3.62

Structure and branch footprint

222 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2014-06-21	1	778466	682563
2006-12-09	1	243151	682563
2006-06-24	1	334750	682563
2006-02-10	1	984557	682563
2005-10-08	1	286466	682563
2000-05-06	1	254951	682563
1999-05-21	1	461450	682563
1999-01-15	1	983653	682563
1998-05-30	1	468253	682563
1998-01-03	1	89555	682563
1997-03-07	1	955557	682563
1996-06-07	1	714259	682563
1996-03-22	1	227964	682563
1995-06-23	1	769950	682563
1995-05-19	1	73059	682563
1994-04-15	1	812351	682563
1993-11-05	1	718453	682563
1993-02-13	1	1998935	682563
1993-02-13	1	1998636	682563
1991-06-07	1	977568	682563

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.