# Frost Bank

> Source: https://docs.barcoder.ai/docs/wallets/cullen-frost-bankers
> research date 2026-06-01 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Frost — official](https://www.frostbank.com/)

## Key details

- **Parent:** Colonel T C Frost as Texas commercial bank

## Overview

**Frost Bank** is **NYSE: CFR** + **US-based commercial bank** + **one of Texas's largest commercial banks by assets + branches** + **~1M+ US Texas Frost Bank customers** + **founded Mar 1868 in San Antonio Texas by Colonel T C Frost as Texas commercial bank** <sup>[1][1], [United States report](https://docs.barcoder.ai/docs/payments/US)</sup>.

## History

**Mar 1868 — Frost Bank founded in San Antonio Texas by Colonel T C Frost as Texas commercial bank** distinctive US Texas regional banking heritage.

**2010 — FrostMobile Banking app launch**.

## Ownership & operator

**Operating entity**: **Cullen/Frost Bankers Inc Frost Bank** (US-based commercial bank; NYSE: CFR).

**Major shareholders**: **Vanguard + BlackRock + State Street + US + international retail + institutional + foreign investors free float**.

**Regulators**: **OCC + Federal Reserve + FDIC**.

## Technical integration

FrostMobile Banking app (iOS + Android; ~1M+ US Texas Frost Bank customers) + frostbank.com online + Frost Bank branch network across Texas + Frost Visa + Mastercard cards; ACH + FedNow + Zelle.

## Implementations & partners

**Major US banking + payments competitors**: [Chase Mobile (JPMorgan Chase)](https://docs.barcoder.ai/docs/wallets/chase-mobile) (Chase Mobile; JPMorgan Chase US; NYSE: JPM) + [Bank of America](https://docs.barcoder.ai/docs/wallets/bank-of-america) (Bank of America; NYSE: BAC) + [Wells Fargo Mobile + Fargo virtual assistant](https://docs.barcoder.ai/docs/wallets/wells-fargo) (Wells Fargo; NYSE: WFC) + [Regions Financial / Regions Mobile App](https://docs.barcoder.ai/docs/wallets/regions-financial) (Regions Financial; NYSE: RF; US Southeast regional bank) + [Truist Bank](https://docs.barcoder.ai/docs/wallets/truist) (Truist Financial; NYSE: TFC) + [Fifth Third Bank](https://docs.barcoder.ai/docs/wallets/fifth-third) (Fifth Third Bank; NASDAQ: FITB) + [Huntington Bank / Huntington Mobile](https://docs.barcoder.ai/docs/wallets/huntington-bank) (Huntington Bank; NASDAQ: HBAN) + [KeyBank / KeyCorp](https://docs.barcoder.ai/docs/wallets/keybank) (KeyBank; NYSE: KEY) + [U.S. Bank (USB)](https://docs.barcoder.ai/docs/wallets/us-bank) (US Bank; NYSE: USB) + [PNC Bank](https://docs.barcoder.ai/docs/wallets/pnc-bank) (PNC Bank; NYSE: PNC) + [Ally Bank](https://docs.barcoder.ai/docs/wallets/ally-bank-app) (Ally Bank; NYSE: ALLY) + [Synovus Bank](https://docs.barcoder.ai/docs/wallets/synovus) (Synovus Bank; NYSE: SNV; US Southeast regional bank) + [Chime](https://docs.barcoder.ai/docs/wallets/chime) (Chime; NASDAQ: CHYM; ~22M+ Chime customers).

**Regulators**: OCC + Federal Reserve + FDIC.

## Status

**Active, NYSE:CFR + US-based commercial bank + one of Texas's largest commercial banks by assets + branches + ~1M+ US Texas Frost Bank customers + founded Mar 1868 in San Antonio Texas by Colonel T C Frost as Texas commercial bank** <sup>[1][1], [2][2]</sup>.

## Sources

[1]: https://www.frostbank.com/ "Frost — official"
[2]: https://en.wikipedia.org/wiki/Cullen/Frost_Bankers,_Inc. "Frost Bank — Wikipedia"
[us-cro]: https://docs.barcoder.ai/docs/payments/US

- [1] [Frost — official][1]
- [2] [Frost Bank — Wikipedia][2]
- <sup>[United States report](https://docs.barcoder.ai/docs/payments/US)</sup> In-corpus: `reports/countries/US-united-states.md`

## Source

Biography extracted from [cullen-frost-bankers.md](https://docs.barcoder.ai/source/wallets/cullen-frost-bankers). See `matrix.md` for standards-support matrix if present.