The article offers information on the Frost Bank has requested the Board's approval under section 9 of the Federal Reserve Act (FRA) and the Board's Regulation H to establish ten branches in Texas, as set forth in Appendix A. It mentions the Board has reviewed the bank's examination record, including assessments of its management, risk-management systems, and operations; and has considered its supervisory experiences with Frost Bank and the bank's record of compliance with applicable banking.