Frost Bank
RSSD 682563 · TX · Total assets $53,128M
Composite CAMELS
2
2 — Satisfactory
C
Capital
2
0 findings
A
Asset Quality
2
0 findings
M
Management
2
0 findings
E
Earnings
2
0 findings
L
Liquidity
2
0 findings
S
Sensitivity
2
0 findings
0
Critical
0
High
0
Moderate
0
Low
24
Procedures run
Findings
No exceptions identified
Across 24 procedures, every threshold was within tolerances. The composite rating reflects a sound institution with no supervisory concerns at this examination cycle.
Key ratios computed
Tier 1 ratio
13.76%
↑ rank 8 of 33 · regional
Tier 1 leverage
8.44%
↑ rank 28 of 34 · regional
Total capital
14.72%
↑ rank 10 of 34 · regional
NPL ratio
0.46%
ACL coverage
285.64%
CRE concentration
71.88%
Construction conc.
60.14%
ROA (annualized)
1.18%
↑ rank 12 of 34 · regional
NIM
3.47%
↑ rank 12 of 34 · regional
Efficiency ratio
62.03%
↓ rank 22 of 34 · regional
Loans / Deposits
48.11%
Brokered / Deposits
0.00%
Uninsured / Deposits
51.40%
Liquid asset ratio
18.06%
HTM loss / Tier 1
—
Asset growth YoY
—
Trend — last 8 quarters
Total assets ($M)
$52,581M
23Q03$51,286M
23Q06$48,652M
23Q09$48,799M
23Q12$50,957M
24Q03$49,568M
24Q06$48,915M
24Q09$51,060M
24Q12$52,581M
Tier 1 leverage
8.44%
23Q037.45%
23Q067.88%
23Q097.96%
23Q128.10%
24Q038.24%
24Q068.46%
24Q098.63%
24Q128.44%
Tier 1 RBC ratio
13.76%
23Q0313.33%
23Q0613.55%
23Q0913.46%
23Q1213.33%
24Q0313.57%
24Q0613.56%
24Q0913.78%
24Q1213.76%
ROA (YTD ann.)
1.18%
23Q031.38%
23Q061.36%
23Q091.34%
23Q121.21%
24Q031.11%
24Q061.16%
24Q091.17%
24Q121.18%
NIM (YTD ann.)
3.47%
23Q033.33%
23Q063.35%
23Q093.37%
23Q123.37%
24Q033.40%
24Q063.46%
24Q093.47%
24Q123.47%
Efficiency ratio
62.0%
23Q0355.9%
23Q0656.7%
23Q0957.4%
23Q1261.0%
24Q0364.0%
24Q0662.5%
24Q0962.2%
24Q1262.0%
This report was produced in <200ms from the underlying procedures library. Production deployments cite source documents directly from your loan tape, GL, and core system.
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