Compared with Texas
7 of 11
compared fees are above the median.
2 below, 2 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
93rd percentile; peer median 3.3%
FDIC call report data · Jun 30, 2026
Fees above the Texas median
of 11 compared; 2 below, 2 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Frost Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 30 banks with $50B to $250B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Texas median | Published fees above the Texas median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Frost Bank's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 5.4% of revenue, above the 3.3% median of 30 banks with $50B to $250B in assets (93rd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $31.4M in Q2 2026, 19% above the same quarter a year earlier ($26.4M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
7 of 11 compared published fees sit above the Texas median; 2 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Texas medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Compared at $8, the middle of its prices
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 9.2% from Q3 2025 to Q2 2026, to $31.4M. Its share of revenue, 5.4%, is above the 3.3% median for banks with $50B to $250B in assets.
$31.4M
Frost BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 30 banks with $50B to $250B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $3.50 to $30; we compare the midpoint.
Frost Bank · $54B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Frost Bank(this institution) | San Antonio, TX | $54B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Associated Bank, National Association | Green Bay, WI | $51.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Atlantic Union Bank | Richmond City, VA | $38B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Banc of California | Los Angeles, CA | $34.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Banco Popular de Puerto Rico | San Juan, PR | $63.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of China | New York, NY | $48.5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank OZK | Little Rock, AR | $41.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| BankUnited, National Association | Miami Lakes, FL | $34.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Barclays Bank Delaware | Wilmington, DE | $43.5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| BOKF, National Association | Tulsa, OK | $53B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| CIBC Bank USA | Chicago, IL | $66.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Columbia Bank | Roseburg, OR | $65.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Commerce Bank | Kansas City, MO | $35B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| EverBank, National Association | Jacksonville, FL | $46.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank of Omaha | Omaha, NE | $34.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| First National Bank of Pennsylvania | Greenville, PA | $50.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hancock Whitney Bank | Gulfport, MS | $36.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| MidFirst Bank | Oklahoma City, OK | $42.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Old National Bank | Evansville, IN | $73.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Prosperity Bank | El Campo, TX | $43.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Raymond James Bank | Saint Petersburg, FL | $45.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| SoFi Bank, National Association | Cottonwood Heights, UT | $56.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| SouthState Bank, National Association | Winter Haven, FL | $68.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| UMB Bank, National Association | Kansas City, MO | $71.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| United Bank | Fairfax, VA | $33.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Valley National Bank | Passaic, NJ | $66.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $8, the middle of its five prices, against a peer median of $9.25 among 16 publishing peers.
Its five checking prices are $3.50, $5, $8, $15 and $30.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.
Call reports for Frost Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $31.4M | +$1.9M | +6.5% |
| Q1 2026 | $29.5M | −$143K | −0.5% |
| Q4 2025 | $29.6M | +$880K | +3.1% |
| Q3 2025 | $28.7M | +$2.3M | +8.7% |
| Q2 2025 | $26.4M | +$21K | +0.1% |
| Q1 2025 | $26.4M | +$865K | +3.4% |
| Q4 2024 | $25.5M | +$431K | +1.7% |
| Q3 2024 | $25.1M | +$1.3M | +5.6% |
Financial cohort: 33 banks with $50B to $250B in assets filing for Q2 2026; 30 reported a share above 0% and are counted, Frost Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Frost Bank by share.
Amounts from Frost Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Charge | $30Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $3.50Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Frost Bank operates, and what regulators and customers have on file.
Branch footprint
222 offices in 1 state, $43.7B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 35 | $13.6B | |
| 69 | $11.0B | |
| 62 | $8.3B | |
| 30 | $5.2B | |
| 8 | $1.8B | |
| 4 | $1.8B | |
| 4 | $914.1M | |
| 3 | $385.3M |
San Antonio-New Braunfels, TX
7.7% of bank deposits, #3 of 66, up 0.8 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| USAA Federal Savings Bank | 52.5% |
| Citibank, National Association | 17.7% |
| Bank of America, National Association | 3.1% |
| Wells Fargo Bank, National Association | 2.7% |
| JPMorgan Chase Bank, National Association | 2.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Frost Bank has no deposits on file in San Antonio-New Braunfels, TX.
The fee comparison uses its home metro, Dallas-Fort Worth-Arlington, TX.
460 offices of 83 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 66 institutions shown. $175.0B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time
No survey years on file for this metro.
Credit unions, reported separately
139 offices of 21 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Consumer complaints
128 complaints to the CFPB so far in 2026
Top issues, 2026 to date
| Managing an account | 48 |
| Opening an account | 23 |
| Incorrect information on your report | 12 |
| Problem with a lender or other company charging your account | 11 |
| Problem with a company's investigation into an existing problem | 9 |
| Fraud or scam | 7 |
Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.
Enforcement actions
None on file with the Federal Reserve and Texas Department of Banking
The Federal Reserve and Texas Department of Banking have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve and Texas Department of Banking, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
CULLEN/FROST BANKERS, INC. (NYSE: CFR)
Consolidated assets
$54.5B
Shareholders' equity
$4.0B
As of
2026Q3
Net income by quarter
Recent SEC filings
Source: SEC EDGAR filings and XBRL financial data, CIK 39263. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts