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Taco Cabana (0.80) and Spec's Wine, Spirits & Finer Foods (0.77) form one clear neighborhood in Frost Bank's top 10 — Texas-regional food and grocery — while a second, looser cluster of everyday retail and services fills out positions five through ten. No other bank appears anywhere in the top 10.
The two-peak shape is visible in the score distribution. The first neighborhood runs from Taco Cabana at 0.80 down through H-E-B at 0.74 and Brakes Plus at 0.70 — all Texas-market or Texas-adjacent brands spanning casual dining, grocery, and automotive maintenance. The second neighborhood, scoring between 0.65 and 0.67, is more category-diverse: Half Price Books (0.68), Fry's Food & Drug Stores (0.67), Timewise Food Store (0.66), H-E-B Pharmacy (0.66), Salons by JC (0.66), and Rooms To Go: Kids (0.65) — spanning bookstores, gas stations, pharmacies, hair salons, and furniture. The subcategory mix across all ten is entirely non-financial; the audience shape Frost Bank shares with its nearest neighbors is defined by regional grocery and food retail at the top, and a broad band of brick-and-mortar everyday services below it.
The pattern suggests Frost Bank's audience composition is most legible through the lens of Texas-market consumer behavior rather than through any financial-category peer.
