Frost Bank: SBA Lending Record

Frost Bank in SBA's loan files

867 approved loans sit against Frost Bank in FY2017 to FY2026 files, $481.3 million gross. Frost Bank is recorded by SBA in Texas. The 867 loans count as holdings: Frost Bank holds or last held each, per SBA. 867 loans belong to SBA 7(a). Frost Bank has 0 in SBA 504. Frost Bank's last year, FY2026, is complete. $481.3 million gross across 867 loans is the scale of Frost Bank's record. SBA, not Frost Bank, stands behind the 867 loans; the figures show holdings, not policy.

574 of Frost Bank's 867 loans have no named class. Frost Bank's class table reads: Full-service restaurant at 55; Fitness center (41); Limited-service restaurant (36); Coffee shop and snack bar, 30; Medical office (physicians) at 28; Beauty salon (25); Child care center at 21; Rehabilitation and therapy clinic, 11; Automotive mechanical repair (car and truck) at 11; Beverage manufacturing (breweries, wineries, distilleries) (6). Of 867 loans, 574 are unclassed and 55 are Full-service restaurant. Frost Bank's class lines cover part of 867. At Frost Bank, 41 Fitness center loans follow 55 Full-service restaurant.

Frost Bank: where the loans sit

Only Texas appears in the state table, with 856 loans of the 867. 856 of Frost Bank's 867 loans sit in Texas. Frost Bank's table maps 867 loans, no boundary for sites beyond Texas.

Frost Bank: floors and study

FY2017 to FY2024 approvals: 12.1% cancelled after approval, a floor. In the Frost Bank book, the ceiling is held back. The ceiling counts unfunded loans as if cancelled. The Loan Analytics test hides it for small groups. Read the gap as unknown; no stand-in figure is given. 2.9% is the floor charged off to date across 418 loans disbursed in FY2017 to FY2021. 1.7% by year five after approval. A 12.1% floor at Frost Bank says approval is no funding. In 418 loans, 2.9% charged off, so cash flow must hold. For Frost Bank, test one is site demand. For Frost Bank, test two is full project cost. For Frost Bank, test three is debt service coverage. For Frost Bank, test four is the appraisal.

Frost Bank's file hands a lender 867 loans and $481.3 million gross. Frost Bank's book gives a borrower 867 holdings, not terms. Nothing in Frost Bank's 867 loans predicts its answer to a request. 55 Full-service restaurant loans lead the named classes. Frost Bank's file ends at holdings. For Frost Bank, bring a self-standing study. 867 loans held by Frost Bank are all the file contains.