Where does routing number 113010547 actually belong?
This routing number is tied to Frost Bank, a Texas-based institution with deep roots in San Antonio. Think of it as a digital address—it doesn’t just point to the bank, but to its home turf in the Lone Star State. FDIC data from late 2025 shows Texas banks holding over $2.1 trillion in assets, and Frost Bank stands out among the top 20 by deposits. The bank serves everything from bustling cities to small-town communities across all 254 counties in Texas.
What should I know about this routing number?
| Attribute | Details |
|---|---|
| Bank name | Frost Bank |
| ABA routing number | 113010547 |
| Primary location | San Antonio, Texas |
| State | Texas (TX) |
| Bank type | State-chartered commercial bank |
| FDIC certificate number | 0066820 |
| Established | 1868 |
| Total assets (2025) | $36.7 billion |
Frost Bank isn’t just any old financial institution—it’s been around since 1868 and still operates under its original name. Frost Bank runs over 160 branches across Texas and northern Mexico, plus a solid digital banking platform. Need a checking account, business loan, wealth management, or insurance? They’ve got you covered.
Why does this routing number exist in the first place?
These nine-digit codes started back in 1910, when the American Bankers Association created them to speed up check processing. Back then, paper checks were flying around the country by the millions every day. Each routing number packs a punch—it tells you the Federal Reserve district (here, the 11th district out of Dallas), identifies Frost Bank specifically, and even includes a checksum digit to catch errors. Federal Reserve keeps the whole system running smoothly with over 27,000 unique routing numbers nationwide.
Frost Bank didn’t just stick to traditional banking after the 1980s. They grew by buying smaller banks and launched Frost Wealth Advisors in 2018. This routing number handles everything from direct deposits to ACH transfers and wires—especially in big Texas cities like Austin, Houston, and Dallas. Just remember, if you opened your account in another state, you’ll likely have a different routing number. Frost keeps things regional.
How do I actually verify this routing number?
Grab one of your Frost Bank checks and look at the bottom-left corner. The first nine digits? That’s your routing number, followed by your account number and check number. Want it faster? Call customer service or send a secure message in the mobile app—they’ll confirm it in under a minute. Setting up direct deposit or Social Security payments? Use 113010547 only if your account’s tied to a Texas branch. Frost Bank Locator lets you double-check your branch and routing number by ZIP code.
As of 2026, Texas residents get free checking with no monthly fees if they sign up for e-statements, and the mobile app handles mobile deposits plus real-time fraud alerts. Sending money internationally? Use the SWIFT code FNTCUS44. Domestic wires? Stick with the same routing number. Always double-check with the bank before moving big money—routing numbers can shift after mergers or rebranding, though Frost hasn’t changed its identity since 2008. FDIC hasn’t listed any failures or interventions for Frost in over three decades.
