United States · Financial institution
Frost Bank
Frost Bank is a Texas state-chartered commercial bank headquartered in San Antonio and a member of the Federal Reserve System. It is a wholly owned subsidiary of Cullen/Frost Bankers, Inc., a financial holding company listed on the New York Stock Exchange. The bank provides commercial and consumer banking, private banking, trust and wealth management services in Texas. Its subsidiaries offer brokerage and investment advisory services. Founded in 1868, it received a national bank charter in 1899 and switched to a state charter in 2012.
Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- FRSTUS44XXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under FRSTUS44 directly.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- None: head-office BIC only
- BIC first registered
- 1982-05-31
- Last updated
- 2022-09-02
Overview
Researched 29 Sep 2026 · Sources
Ownership
Group subsidiary
100% Cullen/Frost Bankers, Inc.
Institution type
Commercial bank
Trades as Frost
- Standing
- The bank converted from a national bank charter to a Texas state charter in June 2012. It was previously named The Frost National Bank.
- Ownership
- Cullen/Frost Bankers, Inc., a financial holding company listed on the New York Stock Exchange, owns 100% of the bank.
- Direct parent
- Cullen/Frost Bankers, Inc. ↗, United States 100%
- Head office
- 111 W. Houston Street, 78205 San Antonio, United States
- Company register
- FDIC cert 5510
- Former name
- The Frost National Bank
Business lines
The bank operates only in Texas, with more than 200 financial centres. It offers commercial, small business and consumer banking, treasury management, private banking and trust services, and insurance is sold through Frost Insurance.
Online
- Websites & references
- frostbank.com ↗
investor.frostbank.com ↗ investor relations (Cullen/Frost Bankers, Inc.)
careers.frostbank.com ↗ careers site
locations.frostbank.com ↗ branch and ATM locator
Wikipedia ↗
Wikidata Q5506152 ↗ - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗ · TikTok ↗
Sources · 15 pages consulted
- frostbank.com/
- frostbank.com/leadership
- frostbank.com/leadership/phillip-d-green
- frostbank.com/leadership/dan-geddes
- frostbank.com/leadership/paul-bracher
- frostbank.com/newsroom/fact-sheet
- frostbank.com/personal/banking/wire-transfers
- sec.gov/Archives/edgar/data/39263/000003926326000045/a2q26formxex991xpressrelea.htm
- sec.gov/Archives/edgar/data/39263/000003926324000051/a3q24formxex991xretirement.htm
- investor.frostbank.com/news-market-data/News-Details/2026/CULLENFROST-BANKERS-ANNOUNCES-TWO-ADDITIONS-TO-BOARD-O
- mysanantonio.com/business/article/Frost-now-a-state-chartered-bank-3655033.php
- americanbanker.com/news/customers-sue-citizens-frost-over-third-party-data-breach
- sanantonioreport.org/frost-bank-pat-frost-retirement-kenny-wilson-hire/
- stocktitan.net/sec-filings/CFR/10-k-cullen-frost-bankers-inc-files-annual-report-927fc4b175a1.html
- en.wikipedia.org/wiki/Frost_Bank
Leadership
Researched 29 Sep 2026 · Sources
- Chair & chief executive
-
Phillip D. Green
Chairman and Chief Executive Officer, Cullen/Frost Bankers, Inc. and Frost Bank
- Chief financial officer
-
Dan Geddes
Group Executive Vice President and Chief Financial Officer, Cullen/Frost Bankers, Inc. and Frost Bank
- Executive
-
Paul Bracher
President, Cullen/Frost Bankers, Inc.; Chief Banking Officer, Frost Bank
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- United States
- Board of Governors of the Federal Reserve System (Federal Reserve Bank of Dallas) Prudential supervisorCentral bankAML supervisor
- United States
- Texas Department of Banking Prudential supervisorAML supervisor
- United States
- Consumer Financial Protection Bureau Conduct
- United States
- Federal Deposit Insurance Corporation Resolution
Recent events 1 enforcement or investigation item
Researched 29 Sep 2026 · Sources
-
Incident
Customers filed proposed class actions against the bank in Bexar County after customer data was taken from a third-party vendor's systems.
americanbanker.com ↗ -
Leadership
The Cullen/Frost board elected Marsha M. Shields and Jeff Rummel as directors and announced that Chris Avery would retire in April 2026.
investor.frostbank.com ↗ -
Leadership
Cullen/Frost announced that Jerry Salinas, Chief Financial Officer of Cullen/Frost and Frost Bank, would retire at the end of 2024.
sec.gov ↗ -
Leadership
The bank announced that its president, Pat Frost, would retire at the end of 2023.
sanantonioreport.org ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
Identifiers
Head-office record
- BIC
- FRSTUS44XXX
- How the BIC breaks down
- FRSTBank
- USCountry · United States
- 44Location
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- G5AHTAP80NWA3Q8RDC78
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
- National bank code
- ABA routing number 114000093
Profile
- Type
- Financial institutionClassified as a financial institution in Swift’s ISO 9362 BIC directory, with no licence on a tracked register. This includes banks that neither the ECB nor the FSB lists, as well as brokers, fund managers, insurers and market infrastructure.
- Regulation
- Not on a tracked registerNo licence or registration was found for this entity on the registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
- Register licences
- None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- Country · region
- United States · North America
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
- Founded
- 1868
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
No licence or registration was found for this entity on the 22 registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
Ownership and group
GLEIF relationship records
- Direct parent
- Cullen/Frost Bankers, Inc. · United States529900V2E9G9AY665O34 ↗
Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- 111 WEST HOUSTON STREET SAN ANTONIO,TX 78205-1457 UNITED STATES OF AMERICA
- Operational address
- 111 WEST HOUSTON STREET SAN ANTONIO,TX SAN ANTONIO,TX 78205-1457 POB 1600 UNITED STATES OF AMERICA
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI and its USABA clearing code
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>FRSTUS44XXX</BICFI>
<ClrSysMmbId>
<ClrSysId>
<Cd>USABA</Cd>
</ClrSysId>
<MmbId>114000093</MmbId>
</ClrSysMmbId>
<LEI>G5AHTAP80NWA3Q8RDC78</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>FRSTUS44XXX</BICFI>
<ClrSysMmbId>
<ClrSysId>
<Cd>USABA</Cd>
</ClrSysId>
<MmbId>114000093</MmbId>
</ClrSysMmbId>
<LEI>G5AHTAP80NWA3Q8RDC78</LEI>
<Nm>FROST BANK</Nm>
<PstlAdr>
<TwnNm>SAN ANTONIO</TwnNm>
<Ctry>US</Ctry>
<AdrLine>111 WEST HOUSTON STREET SAN ANTONIO, TX 78205-1457</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
National bank codes
ABA routing number · United States
1 code file of 2026-10-09 · ISO 20022 clearing system code USABA
| Code | Routes to BIC | Name in the national file | City |
|---|---|---|---|
| 114000093 | FRSTUS44XXX | FROST BANK | SAN ANTONIO, TX |
Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Wikidata—CC0, matched on the BIC or LEI recorded in Wikidata. It is community-edited, so check key facts.
- National bank codes—United States (Source: Federal Financial Institutions Examination Council (FFIEC), National Information Center).
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, leadership, regulators and events—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: Frost Bank · Public domain · Wikimedia Commons · original; Phillip D. Green: frostbank.com (official website) · original; Dan Geddes: frostbank.com (official website) · original; Paul Bracher: frostbank.com (official website) · original.
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