TX lenders / Regional Bank
Frost Bank
Regional Bank · San Antonio, TX · Cullen Frost Bankers Inc
- Total assets
- $52.8B
- CRE loan book
- $10.3B
- QoQ CRE growth
- 2.5%
- Q1 2026
Recorded CRE activity — harris County
50 commercial deeds of trust recorded recently, verified from county records.
- Aug 18, 2026 · officeundisclosed
- Aug 18, 2026 · unknownundisclosed
- Aug 17, 2026 · industrialundisclosed
- Aug 13, 2026 · unknownundisclosed
- Aug 12, 2026 · unknownundisclosed
- Aug 12, 2026 · unknownundisclosed
- Aug 3, 2026 · industrialundisclosed
- Jul 31, 2026 · landundisclosed
- Jul 30, 2026 · landundisclosed
- Jul 30, 2026 · unknownundisclosed
Observed rates
Real loans — SBA 7(a)
27 SBA 7(a) real-estate loans in Texas over the last 12 months · median rate 8.75% (0 variable / 27 fixed) · $17.3M total approved.
Borrower cities: Houston (3), San Antonio (2), Austin (2), Friendswood, Granbury, Lewisville.
Source: SBA 7(a) FOIA dataset · most recent approval Mar 27, 2026. Loan-level government-guaranteed pricing; conventional CRE terms may differ.
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.84% as of Q1 2026 — TX bank median 4.87% (0.98pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.84% | 6.08% |
| Q4 2025 | 6.15% | 6.45% |
| Q3 2025 | 6.36% | 6.68% |
| Q2 2025 | 6.27% | 6.55% |
| Q1 2025 | 6.14% | 6.44% |
| Q4 2024 | 6.42% | 6.76% |
| Q3 2024 | 6.69% | 7.15% |
| Q2 2024 | 6.55% | 7.00% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $10.3B | $2.7B | $187.9M | 120% | $17.9M |
| Q4 2025 | $10.0B | $2.6B | $245.0M | 120% | $11.2M |
| Q3 2025 | $9.8B | $2.7B | $210.9M | 119% | $12.6M |
| Q2 2025 | $9.8B | $2.6B | $309.9M | 123% | $15.4M |
| Q1 2025 | $9.7B | $2.8B | $275.6M | 127% | $25.0M |
| Q4 2024 | $9.7B | $2.8B | $238.8M | 129% | $23.2M |
| Q3 2024 | $9.6B | $2.8B | $176.8M | 136% | $40.2M |
| Q2 2024 | $9.3B | $2.6B | $214.0M | 133% | $34.4M |
Signals
Regulatory actions
Recent news
- Frost CEO warns of ‘race to the bottom’ on Texas loan structure - Banking Dive — Coverage of Frost Bank related to lending reported by bankingdive.com.Aug 3, 2026
- Cullen/Frost Bankers Q2 Earnings Call Highlights - TradingView — Coverage of Frost Bank related to earnings reported by tradingview.com.Jul 31, 2026
- Regional Banks Stocks Q1 Highlights: Frost Bank (NYSE:CFR) - StockStory — Coverage of Frost Bank related to commercial real estate and lending reported by stockstory.org.Jun 2, 2026
CRE hiring
- Central Credit Underwriter III - Commercial — San AntonioJul 30, 2026
- Commercial Loan Documentation Team Leader — San AntonioJul 21, 2026
- Commercial Real Estate Support Specialist — DFWJul 9, 2026
- Central Credit Underwriter II - Commercial Credit Analyst — San AntonioJul 8, 2026
- Relationship Manager III - Middle Market Commercial Lending — DFWJun 2, 2026
Frost Bank: frequently asked questions
- How large is Frost Bank's commercial real estate loan book?
- As of Q1 2026, Frost Bank reported $10.3B in commercial real estate loans out of $52.8B in total assets, per its FFIEC Call Report.
- Is Frost Bank above the 300% CRE concentration guideline?
- Frost Bank's CRE loans stood at 120% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is Frost Bank growing or shrinking its CRE lending?
- Frost Bank's CRE loan book grew 2.5% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Frost Bank in recorded CRE lending?
- 50 commercial deeds of trust naming Frost Bank as lender have been recorded recently in harris County, verified from county records; the most recent was recorded Aug 18, 2026.
- Has Frost Bank faced regulatory enforcement actions?
- Yes — 1 regulatory enforcement action on record for Frost Bank, most recently from the FED (Prohibition from Banking) on May 19, 2026. See the Signals section for details and sources.
Answers generated from the verified data on this page — FFIEC Call Reports, county records, and first-party conversations — as of the dates shown.
Similar lenders
Other regional banks we track with a comparable CRE book size.
- Prosperity BankRegional Bank · El Campo · $10.4B CRE book
- WaFd BankRegional Bank · Seattle · $10.1B CRE book
- Rockland Trust CompanyRegional Bank · Rockland · $10.5B CRE book
- Fulton Bank, National AssociationRegional Bank · Lancaster · $10.0B CRE book
- WesBanco Bank, Inc.Regional Bank · Wheeling · $10.6B CRE book
Markets where Frost Bank lends
Frost Bank has commercial deeds of trust recorded in these metros. See who else is active there and current rate ranges by property type.
Houston
Houston (Harris County)
San Antonio
San Antonio (Bexar County)
Last updated Aug 18, 2026 · Sources: FFIEC CDR, county records, first-party conversations.