Company overview. Frost Bank is the principal banking subsidiary of Cullen/Frost Bankers, Inc., a publicly traded financial holding company (NYSE: CFR) headquartered at 111 W. Houston Street, San Antonio, Texas. The bank traces its founding to 1868; the current holding company was formed in 1977 through the merger of Frost Bank Corp. and Cullen Bankers, Inc. It is one of the 50 largest U.S. banks, reporting roughly $52.7 billion in total assets as of March 31, 2026, with more than 6,000 employees statewide. The company is broadly held and publicly listed, with no controlling family bloc. Market capitalization has recently been reported around $10 billion, with annual revenue in the roughly $2–3 billion range depending on the metric used.
Products / services / operations. Frost is a Texas-focused commercial and consumer bank. It offers commercial and industrial lending, commercial real estate and construction financing, energy lending (Permian Basin and Eagle Ford exposure), treasury management, and international banking, alongside consumer checking, mortgage and home-equity lending, and ATM/branch services. Non-interest lines include trust and investment management (Frost Investment Advisors), brokerage and capital markets services, and insurance through Frost Insurance. Wikipedia lists roughly 155 branches and 1,700 ATMs in Texas; the company's own fact sheet emphasizes San Antonio, Austin, Houston, Dallas–Fort Worth, Corpus Christi, the Permian Basin, and the Rio Grande Valley.
Patent-litigation posture. Frost is an operating company, not an NPE. The tracked data show 0 cases as plaintiff and 1 as defendant — the classic signature of a bank defending against an infringement suit, not asserting patents.
Notable case. Wapp Tech Limited Partnership and Wapp Tech Corp. v. Apple Inc., Capital One, N.A., Capital One Services, LLC, Frost Bank, and Cullen/Frost Bankers, Inc., No. 4:25-cv-230 (E.D. Tex., Sherman), filed March 6, 2025. Wapp asserted five patents ('192, '864, '678, '811, '579) covering mobile application development, testing, network/device simulation, and app distribution marketplaces, alleging Frost infringed by using Apple Xcode and Google Android Studio to develop its mobile banking apps. Frost's motion to dismiss was denied as moot after Wapp filed an amended complaint; the case was later transferred to the Southern District of California. Wapp has previously sued Wells Fargo, Bank of America, JPMorgan Chase, and Micro Focus over the same family.