Jack and Charlotte Frost
Jack and Charlotte Frost is a private foundation based in Signal Mountain, Tennessee. In 2025, it made 25 grants totaling $3,375,000, all to recipients in Tennessee. Listed grants support organizations including churches, schools, and nonprofits working with children, families, and community needs.
Jack and Charlotte Frost at a glance
In short: Jack and Charlotte Frost gave $3.4M across 25 grants in 2025 (avg $135K), mostly in Tennessee. Source: 2025 IRS Form 990-PF.
- Annual giving (2025)
- $3,375,000
- +12.1% vs 2024
- Grants made (2025)
- 25
- +0.0% vs 2024
- Average grant
- $135,000
- +12.1% vs 2024
- Median grant
- $79,000
- Total assets
- $55,316,952
- +22.4% vs 2024
- Primary geography
- Tennessee (100% of itemized 2025 grant dollars)
- Latest 990 filing
- Form 990-PF, 2025 View filing
Data from IRS Form 990-PF, 2025; updated October 2026.
How to apply to Jack and Charlotte Frost
- Accepts unsolicited proposals
- No
- How to Apply
-
The foundation states that it makes contributions only to preselected charitable organizations and does not accept unsolicited requests for funds.
- Contact
Mailing address: PO Box 310, Signal Mountain, TN 37377
Phone: (423) 313-2296
Application details from Grantable's research on the foundation's public materials; confirm on its website before applying.
Who Jack and Charlotte Frost funds
How this funder distributes its grants
Top Recipients
Top 10 recipients in 2025
The largest 2025 recipient was The Generosity Trust ($600K). Together the top 10 received $2.8M.
Grant Size Distribution
124 grants across all recorded years
The most common grant size was under $50K: 40 grants of 124 (32%).
Geographic Focus
Where this funder awards grants
All grant dollars in 2025 went to recipients in Tennessee.
Grant Distribution by State
Share of 2025 grant dollars across all 25 itemized grants.
Cities
How Jack and Charlotte Frost gives
- 48% of 2025 grantees were also funded in 2024. Method
- Giving grew 28% from 2022 to 2025. Method
- In 2025 it paid out 107% of its IRS minimum distribution (the 5% rule). Method
Estimate from itemized grant lists in IRS Form 990-PF filings (2025). Recipient names are matched across years, so a renamed or misspelled grantee can look new; grants to individuals are left out. Methodology.
Giving History
Giving Over Time
Total grant dollars and number of grants per year
From 2020 to 2025, annual grant giving ranged from $17K (2020) to $3.4M (2025). In 2025 it made 25 grants totaling $3.4M.
Grants by year
Grant recipients and amounts by year
| Recipient | Purpose | Amount |
|---|---|---|
| The Generosity Trust Chattanooga, TN | Program Support | $600,000 |
| First Presbyterian Church Chattanooga, TN | Program Support | $425,000 |
| Chi Memorial Foundation Chattanooga, TN | Program Support | $400,000 |
| The Point Church Chattanooga, TN | Program Support | $400,000 |
| University of Chattanooga Foundation Inc Chattanooga, TN | Program Support | $300,000 |
| Bethel Bible Village Hixson, TN | Program Support | $250,000 |
| The Glenwood School Chattanooga, TN | Program Support | $125,000 |
| Bible in the Schools Chattanooga, TN | Program Support | $100,000 |
| Chattanooga Fellowship of Christian Athletes Hixson, TN | Program Support | $100,000 |
| Northside Neighborhood House Chattanooga, TN | Program Support | $100,000 |
Ready to take the next step with Jack and Charlotte Frost?
Financial History
Multi-year comparison from IRS filings
The foundation’s EIN is 81-4553310.
| Filing year | Total Assets | Revenue | Expenses | Grants paid | Grants | Qualifying Distributions | Net Investment Income | Distributable Amount |
|---|---|---|---|---|---|---|---|---|
| 2025 | $55,316,952 | $13,542,652 | $3,406,871 | $3,375,000 | 25 | $3,379,746 | $13,541,527 | $3,161,273 |
| 2024 | $45,181,171 | $1,762,717 | $3,041,821 | $3,010,000 | 25 | $3,015,801 | $1,762,717 | $2,850,866 |
| 2023 | $46,460,275 | $1,713,495 | $2,343,084 | $2,256,500 | 25 | $2,276,295 | $1,713,495 | $2,454,724 |
| 2022 | $47,093,864 | $2,943,342 | $2,709,941 | $2,635,000 | 24 | $2,709,941 | $2,943,342 | $2,535,784 |
| 2021 | $46,856,463 | $1,567,561 | $2,547,813 | $2,491,000 | 25 | $2,547,813 | $1,567,561 | $2,446,013 |
| 2020 | $163,000 | $180,000 | $17,000 | $17,000 | 3 | — | — | $8,028 |
Under IRS private-foundation payout rules, Jack and Charlotte Frost reported a distributable amount of $3.2M for 2025 — the minimum it must pay out in qualifying distributions.
Research compiled by Grantable AI from public sources. Last updated September 2026.
Mission & Focus Areas
No mission statement for the foundation is provided. Its 2025 grants include program support for organizations whose work, as described by the organizations themselves, includes providing Christ-centered homes and education for children (Bethel Bible Village), uplifting and empowering neighbors north of the river (Northside Neighborhood House), and providing homes for children in unstable family situations (Tennessee Children’s Home).
Other 2025 grantees describe work that includes eliminating hunger through community partnerships (Chattanooga Area Food Bank), early childhood education and residential care for abused children (Chambliss Center for Children), one-to-one youth mentoring (Big Brothers Big Sisters of Greater Chattanooga), and support for veterans and service members (Friends of the Troops).
Grantmaking
In 2025, the foundation awarded 25 grants totaling $3,375,000. Grants ranged from $5,000 to $600,000, with a median of $79,000. The largest listed grants were $600,000 to The Generosity Trust, $425,000 to First Presbyterian Church, $400,000 each to CHI Memorial Foundation and The Point Church, and $300,000 to University of Chattanooga Foundation Inc. Each was designated for program support.
Leadership & Key People
Leadership team and compensation from IRS filings
The 2025 filing lists Lisa S. Frost as president, Steve Frost as secretary/treasurer, and Bruce Novkov as director.
Jack and Charlotte Frost is led by Lisa S. Frost, President since 2025 (on filings since 2023); none of the 3 officers listed in 2025 report compensation.
Officers on the 2025 filing
Lisa S. Frost
President
Director → President, 2025
On filings since 2023
8 hrs/week
No compensation reported
Bruce Novkov
Director
New on the 2025 filing
2 hrs/week
No compensation reported
Steve Frost
Secretary & Treasurer
President → Secretary & Treasurer, 2025
On filings since 2020
8 hrs/week
No compensation reported
Former officers (3)
- Former: Amy Haddock (2020–2024) — Secretary & Treasurer
- Former: David Bishop (2020–2023) — Director
- Former: Susan Bishop (2020–2022) — Secretary & Treasurer
Data from IRS Form 990 filings, 2020–2025. "On filings since" is the earliest filing we hold that lists the person; hours are average hours per week as reported.
Frequently asked questions about Jack and Charlotte Frost
How much does Jack and Charlotte Frost give each year?
Jack and Charlotte Frost gave $3.4M across 25 grants in 2025, according to its 2025 IRS Form 990-PF. In 2024 it gave $3.0M across 25 grants.
What is Jack and Charlotte Frost's typical grant size?
Jack and Charlotte Frost's median grant in 2025 was $79,000, and its average grant was $135,000, across 25 grants on its 2025 IRS Form 990-PF.
Where does Jack and Charlotte Frost give grants?
Jack and Charlotte Frost gives mostly in Tennessee: 100% of the grant dollars itemized on its 2025 IRS Form 990-PF went to recipients there. The most frequent recipient cities were Chattanooga, TN (19 grants) and Hixson, TN (2 grants).
Does Jack and Charlotte Frost give general operating support?
Not in 2025: none of the 25 grants with a stated purpose on Jack and Charlotte Frost's 2025 IRS Form 990-PF were described as general or operating support. Recurring purposes include "Program Support" (25 grants).
Who are Jack and Charlotte Frost's largest grantees?
Jack and Charlotte Frost's largest 2025 grantees include The Generosity Trust ($600,000), First Presbyterian Church ($425,000) and Chi Memorial Foundation ($400,000), according to its 2025 IRS Form 990-PF. Together they received 42% of its itemized 2025 grant dollars.
How large is Jack and Charlotte Frost?
Jack and Charlotte Frost reported $55.3M in total assets on its 2025 IRS Form 990-PF. It paid out $3.4M in qualifying distributions that year, against a required minimum of $3.2M (roughly 5% of its investment assets).
What does Jack and Charlotte Frost fund?
No mission statement for the foundation is provided. See mission & focus areas ↑
How do I apply for a grant from Jack and Charlotte Frost?
The foundation states that it makes contributions only to preselected charitable organizations and does not accept unsolicited requests for funds. Eligibility and process details are in the grantmaking section of this profile. See how to apply ↑
What is Jack and Charlotte Frost's EIN?
Jack and Charlotte Frost's EIN (Employer Identification Number) is 81-4553310. IRS Form 990 filing data is available on this page for 2020–2025.
Does Jack and Charlotte Frost accept unsolicited proposals?
No, according to Grantable's research on the foundation's published guidelines. See how to apply ↑
Data last updated October 2026. Sourced from IRS Form 990-PF filings. Research dossier generated September 2026.
Data update history
(6)
When this profile's IRS filing data changed on Grantable
- Updated Form 990-PF for fiscal year 2020 (received by the IRS May 24, 2021)
- Updated Form 990-PF for fiscal year 2021 (received by the IRS May 16, 2022)
- Updated Form 990-PF for fiscal year 2022 (received by the IRS May 15, 2023)
- Updated Form 990-PF for fiscal year 2023 (received by the IRS May 14, 2024)
- Updated Form 990-PF for fiscal year 2024 (received by the IRS March 11, 2025)
- Added Form 990-PF for fiscal year 2025 (received by the IRS May 1, 2026)
Live grants for the work Jack and Charlotte Frost funds
Philanthropy, Voluntarism & Grantmaking Open opportunities, soonest deadline first.
- Nixa Affiliate Grantmaking Program Up to US $10,000 · Due October 19, 2026
- Community and School Grants $28,000 total pool; 10-15 grants expected · Due October 19, 2026
- Mary Pinola/Crescenta Valley Chamber Education Fund $500 - $5,000 for ongoing programs; up to $15,000 for Strategic Initiative Grants · Due October 19, 2026
Explore Open Grants
Browse active grant opportunities in Jack and Charlotte Frost's focus areas in our free grants database
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Funders that support many of the same organizations
Chattanooga Christian Community Foundation
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The foundation supports 501(c)(3) charities and Christian ministries, with grants for community needs, education, children and families, and other charitable work; its 2024 median grant was $18,250, though awards varied widely. Giving is concentrated in Tennessee, especially the Chattanooga area, with grants also reaching other states; it does not describe a general open application process—one giving circle uses member nominations, and Unidos en Compasión accepts applications by invitation.
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Steve and Lisa Frost Family Foundation
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The Steve and Lisa Frost Family Foundation supports a range of charitable organizations, including youth, education, and social-service programs, with grants focused mainly in Tennessee. Its 2025 grants ranged from $2,500 to $150,000, with a median of $40,000; it funds preselected organizations and does not accept unsolicited requests.
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The Maclellan Foundation Inc
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The Maclellan Foundation funds faith-based ministries and related work in discipleship, leadership development, community transformation, literacy, and nonprofit capacity building, with grants made worldwide and some Chattanooga-focused work. In 2024, its median grant was $9,500, though awards ranged from $50 to $4 million. The profile does not state whether it accepts unsolicited requests.
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Weldon F Osborne Foundation Inc
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The Weldon F. Osborne Foundation funds religious, charitable, educational, healthcare, arts, and community programs, including homelessness prevention, disability services, and early childhood education, primarily in Greater Chattanooga, Tennessee. Recent grants ranged from $500 to $100,000, with a median of $10,000. It accepts requests through an online process that begins with a Letter of Inquiry.
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Robert L & Kathrina H Maclellan Founda
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The foundation funds work supporting families, youth, education, and leadership development, with a focus on the Chattanooga area; in 2024, 92% of its grant dollars went to Tennessee organizations. Grants ranged from $1,000 to $350,000, with a median of $50,000. It accepts online applications, and giving is not restricted to preselected organizations.
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The Community Foundation of Greater Chattanooga Inc
Chattanooga, TN
The foundation supports scholarships and community needs including affordable housing, health and wellness, workforce development, education, culture, and hunger relief, with a focus on Chattanooga and surrounding areas; Fund for Chattanooga grants prioritize organizations serving Hamilton County residents. Its 2024 grants had a median of $10,000, and a separate program offers unrestricted grants of up to $30,000. It does not describe an open unsolicited application process: prospective applicants are asked to discuss a proposal with staff, who may invite them to apply.
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$245.3M
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810
Total Given
$25.8M
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Cite this profile
Grantable. (2026). Jack and Charlotte Frost funder profile. GrantGraph. Retrieved October 19, 2026, from https://grantable.co/funders/jack-and-charlotte-frost-morg_4dc2b73b9cb141be86e80acef506a1af
BibTeX
@misc{grantable_814553310_2026,
author = {{Grantable}},
title = {{Jack and Charlotte Frost funder profile}},
howpublished = {GrantGraph},
year = {2026},
url = {https://grantable.co/funders/jack-and-charlotte-frost-morg_4dc2b73b9cb141be86e80acef506a1af},
note = {Accessed 2026-10-19. Data licensed CC BY 4.0}
}The figures on this page are open data under CC BY 4.0: reuse them with credit to Grantable and a link. Download the data.
Figures come from Jack and Charlotte Frost's IRS filings (methodology). AI-written summaries, news items and logos are not covered by the open licence. Spot an error? Email hello@grantable.co.
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