STRONG
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
1,298
2010–2026
Total Volume
$624M
Gross loan amounts
States Active
7
With recorded loans
Programs
7(a) & 504
1296 total segments
Frost Bank has a strong focus on smaller loans, with 64% of their deals under $350K. This makes them a good option for startups and smaller acquisitions.
Their average spread for 7(a) loans at P+1.71% is significantly lower than the national median of P+2.75%, indicating competitive pricing for borrowers.
Despite being a well-known lender, Frost Bank's overall deal volume has declined by 6% year-over-year, which may indicate a tightening in their lending criteria.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 87 504 loans, which use fixed SBA debenture rates.
States where Frost Bank has recorded SBA lending activity.
+ 2 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Other Health Practitioners
Health Care & Social Assistance
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Physician & Dental Offices
Health Care & Social Assistance
Personal Care (Salons, Spas)
Other Services
Specialty Trade Contractors
Construction
Wholesale Trade
Wholesale Trade
+ 7 more
All recorded SBA lending activity for Frost Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Texas · Restaurants & Food Service · $150K – $350K | 7(a) | 60 | P+2.00% | $259K | Q3 2025 |
| Texas · Restaurants & Food Service · Under $150K | 7(a) | 43 | P+2.25% | $107K | Q4 2025 |
| Texas · Other Health Practitioners · Under $150K | 7(a) | 42 | P+2.25% | $87K | Q4 2024 |
| Texas · Manufacturing · Under $150K | 7(a) | 35 | P+2.25% | $92K | Q1 2025 |
| Texas · Manufacturing · $150K – $350K | 7(a) | 35 | P+2.00% | $259K | Q4 2024 |
| Texas · Restaurants & Food Service · $500K – $1M | 7(a) | 30 | P+2.00% | $656K | Q1 2025 |
| Texas · Restaurants & Food Service · $350K – $500K | 7(a) | 28 | P+2.00% | $440K | Q3 2025 |
| Texas · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 25 | P+2.00% | $233K | Q1 2025 |
| Texas · Specialty Trade Contractors · $150K – $350K | 7(a) | 23 | P+2.25% | $278K | Q2 2025 |
| Texas · Other Health Practitioners · $150K – $350K | 7(a) | 23 | P+2.03% | $235K | Q3 2025 |
| Texas · Administrative & Waste Services · $150K – $350K | 7(a) | 22 | P+2.13% | $261K | Q2 2025 |
| Texas · Personal Care (Salons, Spas) · Under $150K | 7(a) | 21 | P+2.25% | $99K | Q2 2024 |
| Texas · Management & IT Consulting · Under $150K | 7(a) | 20 | P+2.25% | $93K | Q3 2025 |
| Texas · Specialty Trade Contractors · Under $150K | 7(a) | 20 | P+2.13% | $82K | Q2 2024 |
| Texas · Retail Trade · Under $150K | 7(a) | 19 | P+2.00% | $95K | Q3 2024 |
| Texas · Physician & Dental Offices · Under $150K | 7(a) | 19 | P+2.25% | $93K | Q2 2022 |
| Texas · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 18 | P+2.00% | $249K | Q1 2024 |
| Texas · Physician & Dental Offices · $150K – $350K | 7(a) | 17 | P+2.00% | $258K | Q1 2025 |
| Texas · Engineering & Architecture · Under $150K | 7(a) | 15 | P+2.25% | $99K | Q2 2024 |
| Texas · Wholesale Trade · Under $150K | 7(a) | 15 | P+2.25% | $95K | Q3 2023 |
| Texas · Management & IT Consulting · $150K – $350K | 7(a) | 14 | P+1.88% | $280K | Q4 2024 |
| Texas · Wholesale Trade · $150K – $350K | 7(a) | 14 | P+2.25% | $253K | Q2 2025 |
| Texas · Transportation & Warehousing · Under $150K | 7(a) | 14 | P+2.25% | $103K | Q1 2025 |
| Texas · Engineering & Architecture · $150K – $350K | 7(a) | 12 | P+2.25% | $263K | Q3 2023 |
| Texas · Manufacturing · $350K – $500K | 7(a) | 12 | P+2.00% | $460K | Q1 2025 |
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