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​.