Lenders
Frost Bank
Frost Bank is a Texas bank headquartered in San Antonio, serving customers since 1868. It offers personal, small business and commercial banking, with checking, savings, loans, online banking, treasury management, merchant services, insurance and investments. Small Business Administration loans are offered, and insurance and brokerage products come through Frost Insurance and other subsidiaries of the bank.
Service is a stated differentiator: live phone support is available 24/7 on (800) 513-7678 with no phone tree, live chat is staffed by bank employees, and Spanish-language support runs on (210) 220-4511. Commercial customers have separate direct lines by market: Austin, Corpus Christi, Dallas, Fort Worth, Houston, San Antonio and the Rio Grande Valley. Treasury management and commercial card operations have their own service desks.
The bank dates to 1868 and received trust powers in 1919; Cullen/Frost moved its listing to the New York Stock Exchange under the ticker CFR in 1997. It says it was the only Texas bank to survive the 1980s banking collapse without federal assistance or a takeover, and that it declined TARP funds in 2008. It was ranked #1 for consumer banking customer satisfaction in Texas for the 17th consecutive year in the J.D. Power 2026 U.S. Retail Banking Satisfaction Study. Routing number is 114000093 and the SWIFT code is FRSTUS44.
The crawled pages do not describe a commercial real estate lending program, publish loan minimums, recourse terms or asset-class appetite, or list financial center locations outside Texas. Anyone underwriting a property loan should confirm terms with a commercial relationship manager in the relevant market.
Best for
Texas owners and operators who want a commercial banking relationship with in-state markets and live 24/7 support. Borrowers outside Texas are not the focus, and property loan terms are not published anywhere on the site.
What they do
- Commercial banking and loans
- Small business banking and SBA loans
- Treasury management
- Commercial card programs
- Merchant services
- Personal banking and mortgages
- Insurance through Frost Insurance
- Investments, wealth management and trust services
Details
| Attribute | Value |
|---|---|
| Founded | 1868 |
| Ownership | Public |
| Other offices | Austin, TX, Corpus Christi, TX, Dallas, TX, Fort Worth, TX, Houston, TX |
| Lender type | Bank, Portfolio |
What stands out
- Has served Texas customers since 1868 and received trust powers from the Federal Reserve Board in 1919.
- Cullen/Frost has been listed on the New York Stock Exchange under the ticker CFR since moving there in 1997.
- Ranked #1 for consumer banking customer satisfaction in Texas for the 17th consecutive year in the J.D. Power 2026 study.
- Staffs live human support 24/7 on (800) 513-7678, with separate commercial lines for Austin, Corpus Christi, Dallas, Fort Worth, Houston, San Antonio and the Rio Grande Valley.
- States it was the only Texas bank to come through the 1980s banking collapse without federal assistance or a takeover, and that it declined TARP funds in 2008.