Founded in 1868 in San Antonio, Texas, by Thomas Claiborne “T.C.” Frost, a lawyer and former Texas Ranger, Frost Bank has evolved over the decades to become a significant player in the Texas banking scene​​. Initially established to support his brother's failing mercantile and auctioneering enterprise, T.C. Frost transitioned to banking in 1899 when the institution received its national bank charter, becoming the Frost National Bank of San Antonio. This shift came about when Colonel Frost abandoned his wool-commission business in 1896 and applied for a national bank charter​. The bank switched to a state charter in 2012​.

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With its headquarters at 111 West Houston Street in San Antonio, Frost Bank operates as a state-chartered bank primarily within Texas, boasting 185 branches and 1,700 automated teller machines (ATMs) across the state​​. It is the primary subsidiary of Cullen/Frost Bankers, Inc., a bank holding company. Over the years, Frost Bank has grown organically and also through acquisitions, like the purchase of Lockwood National Bank in 1928 and a merger with Cullen Bankers, Inc. of Houston in 1977, which formed Cullen/Frost Bankers, Inc​​.

Frost Bank holds the FDIC certificate number 5510, indicating its membership with the Federal Deposit Insurance Corporation (FDIC), which insures deposits at banks and thrifts in the case of bank failures​. The bank's routing number is 114000093, which is essential for processing wire transfers and other automated transfers within the United States​. Here is the list of Frost Bank Routing Numbers CLick Here.

The bank is classified under a "SM" (State Member) bank charter class, depicting its status as a member of the Federal Reserve System and its state-chartered nature​.

Frost Bank caters to both personal and business banking needs, offering a wide range of financial products and services. These include checking and savings accounts, mobile and online banking, investments, and insurance services​​. The bank also has a particular emphasis on fostering long-term relationships with its clientele, especially in the middle-market and small-business banking categories, as evidenced by their recognition for “Ease of Doing Business” and “Likelihood to Recommend” in these segments​​.

As for its banking policy, Frost Bank provides various online and mobile banking services, including deposit checks, sending money, paying bills, setting up fraud alerts, and transferring funds​​. They also have a banking agreement and disclosure that outlines the terms and conditions for using their online banking services​​. Clients with significant balances are offered the Frost Premium Account to enhance their private banking relationship, displaying a tier of service based on the financial engagement level of the customers​.


Bank Name Frost Bank
Headquarters 111 West Houston Street, San Antonio, Texas 78205
Bank Class State Chartered - FED Member Bank
CEO Phil Green
Bank FDIC Certificate #5510
Swift Code FRSTUS44XXX
Atm's 1700
Location 185 Branches in Texas
Routing Number Click Here
President Paul Bracher
Customer Service 1 (800) 513-7678
Credit Card Support 1 (800) 513-7678
Number of Employees 5000+
ISIN US2298991090
Area Served Texas
Key People Phil Green (Chairman & CEO), Paul Bracher (President), Jerry Salinas (CFO)




A SWIFT code, also known as a BIC (Bank Identifier Code), is a standard format for uniquely identifying banks globally, especially during international transactions. It comprises 8-11 characters. The first 4 characters represent the bank's code, the next 2 denote the country, followed by 2 for the city. The remaining characters (which are optional) specify the bank's branch. This system ensures secure and efficient cross-border transfers. For instance, when sending money overseas, one would need the recipient's bank SWIFT code. It acts as an address that tells where to send the money, ensuring funds reach the correct institution.


FRST Bank code
US Country code
44 Location code
XXX Branch code
  • Country code A-Z

    2 letters representing the country the bank is in.

  • Location code 0-9 A-Z

    2 characters made up of letters or numbers. It says where that bank's head office is.

  • Branch Code 0-9 A-Z

    3 digits specifying a particular branch. 'XXX' represents the bank’s head office.



Below is a list of some important events in banks history, including mergers and acquisitions.

02-20-1899 Institution established. Original name: The Frost National Bank of San Antonio.
08-13-1973 Main Office moved to 100 West Houston Street, San Antonio, TX 78296.
02-19-1988 Acquired North Frost Bank, National Association (23688) in San Antonio, TX.
03-04-1988 Acquired Colonial Frost Bank, National Association (21625) in San Antonio, TX.
03-18-1988 Acquired Citizens Frost Bank, National Association (18369) in San Antonio, TX.
03-18-1988 Acquired Liberty Frost Bank, National Association (21540) in San Antonio, TX.
02-16-1989 Acquired Westpoint National Bank (25812) in San Antonio, TX.
03-03-1989 Acquired Frost Bank North Austin, National Association (20834) in Austin, TX.
05-19-1989 Acquired Parkdale Bank (17794) in Corpus Christi, TX.
08-03-1989 Acquired University National Bank (22457) in San Antonio, TX.
08-24-1989 Acquired Summit Bank (21256) in San Antonio, TX.
10-27-1989 Acquired Fair Oaks National Bank (27204) in Bexar County, Tx.
10-27-1989 Acquired First National Bank (22935) in Boerne, TX.
06-07-1991 Acquired Portland State Bank (17896) in Portland, TX.
02-13-1993 Acquired New First City, Texas - San Antonio, National Association (33729) in San Antonio, TX.
02-13-1993 Acquired New First City, Texas - Austin, National Association (33714) in Austin, TX.
10-01-1993 Changed Institution Name to The Frost National Bank.
11-05-1993 Acquired Cullen Center Bank & Trust (19988) in Houston, TX.
04-14-1994 Acquired Texas Commerce Bank - Corpus Christi, National Association (18557) in Corpus Christi, TX.