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.
Key facts about Jack and Charlotte Frost
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.
- EIN
- 81-4553310
- Latest 990 filing
- Form 990-PF, 2025
- Annual giving (2025)
- $3,375,000
- Grants made (2025)
- 25
- Average grant
- $135,000
- Median grant
- $79,000
- Total assets
- $55,316,952
- Primary geography
- Tennessee (100% of itemized 2025 grant dollars)
- 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. Full details ↓
Data from IRS Form 990-PF, 2025; updated September 2026. Application details from Grantable's research on the foundation's public materials; confirm on its website before applying.
Financial Overview
From 2025 IRS Form 990-PF · View filing
Total Assets
$55.3M
+22.4% YoY
Annual Giving
$3.4M
+12.1% YoY
Grant Count
25
+0.0% YoY
Avg Grant Size
$135K
+12.1% YoY
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.
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.
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.
Ready to take the next step with Jack and Charlotte Frost?
Geographic Focus
Where this funder awards grants
All grant dollars in 2025 went to recipients in Tennessee.
Grant Distribution by State
Share of all 25 itemized 2025 grant dollars.
Cities
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.
Grant Insights
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%).
Giving History
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 |
Financial History
Multi-year comparison from IRS filings
| Filing year | Assets | Revenue | Expenses | Grants |
|---|---|---|---|---|
| 2025 | $55,316,952 | $13,542,652 | $3,406,871 | $3,375,000 |
| 2024 | $45,181,171 | $1,762,717 | $3,041,821 | $3,010,000 |
| 2023 | $46,460,275 | $1,713,495 | $2,343,084 | $2,256,500 |
The foundation’s EIN is 81-4553310.
| Metric | 2025 | 2024 | 2023 |
|---|---|---|---|
| Total Assets | $55,316,952 | $45,181,171 | $46,460,275 |
| Revenue | $13,542,652 | $1,762,717 | $1,713,495 |
| Expenses | $3,406,871 | $3,041,821 | $2,343,084 |
| Qualifying Distributions | $3,379,746 | $3,015,801 | $2,276,295 |
| Net Investment Income | $13,541,527 | $1,762,717 | $1,713,495 |
| Distributable Amount | $3,161,273 | $2,850,866 | $2,454,724 |
Data update history
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)
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.
Contact
Mailing address: PO Box 310, Signal Mountain, TN 37377
Phone: (423) 313-2296
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 September 2026. Sourced from IRS Form 990-PF filings. Research dossier generated September 2026.
Here's the math on researching Jack and Charlotte Frost by hand.
Explore Open Grants
Browse active grant opportunities in Jack and Charlotte Frost's focus areas in our free grants database
Similar Funders
Funders that support many of the same organizations
Chattanooga Christian Community
Chattanooga, TN
The Generosity Trust supports Christian ministries and other nonprofits, education, community and human services, and ministry students, with a strong focus on the Chattanooga area but grants nationwide. Its 2024 listed grants had a median of $18,250 and ranged from $5,002 to $2.5 million; whether it accepts unsolicited requests is not stated.
Assets
$136.1M
Grants
567
Total Given
$36.4M
Steve and Lisa Frost Family Foundation
Signal Mountain, TN
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.
Assets
$11.5M
Grants
15
Total Given
$729K
The Maclellan Foundation Inc
Chattanooga, TN
The Maclellan Foundation supports faith-based ministries and related work in discipleship and leadership development, community transformation, prayer, generosity, and nonprofit capacity-building. Its 2024 grants ranged from $50 to $4 million, with a median of $9,500, and its strategic grantmaking covers every region of the world. Whether it accepts unsolicited requests is not stated.
Assets
$167.4M
Grants
161
Total Given
$21.5M
Weldon F Osborne Foundation Inc
Chattanooga, TN
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.
Assets
$24.4M
Grants
85
Total Given
$1.4M
Robert L & Kathrina H Maclellan Founda
Chattanooga, TN
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.
Assets
$54.0M
Grants
47
Total Given
$3.0M
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.
Assets
$245.3M
Grants
810
Total Given
$25.8M
Robert F Stone Foundation AKA Bobby Stone
Wilmington, DE
The Robert F Stone Foundation supports Tennessee nonprofits in areas including arts, housing, health, food assistance, and services for children and families. Its 2024 grants ranged from $500 to $750,000, with a median of $5,000. It gives only to preselected organizations and does not accept unsolicited requests.
Assets
$19.5M
Grants
120
Total Given
$3.8M
Frank JB & Emma S Varallo Foundation
Chattanooga, TN
The Frank JB & Emma S Varallo Foundation’s recent reported grant supported operating funds, and its giving has ranged from $633,500 to $900,000 annually in 2022–2024. It is based in Chattanooga, Tennessee; all 2024 grant dollars went to a Tennessee recipient. It accepts written project summaries of no more than two pages, submitted in triplicate before December 1.
Assets
$24.1M
Grants
1
Total Given
$900K
Hamico Inc
Chattanooga, TN
HAMICO INC supports schools, community organizations, youth-serving groups, and other nonprofits, with nearly all of its 2024 giving going to Tennessee recipients. It made 51 grants totaling about $1.83 million that year; grants ranged from $264 to $315,050, with a median of $10,000. The available information does not state whether it accepts unsolicited requests.
Assets
$49.7M
Grants
51
Total Given
$1.8M
Tucker Foundation
Ooltewah, TN
The Tucker Foundation funds nonprofits working in youth development and education, environmental conservation, arts and culture, and social improvement; conservation grants often support land acquisition and permanent protection. Its 2024 grants ranged from $99 to $2,497,600, with a median of $10,000, and are generally focused on Hamilton and Bradley Counties in Tennessee and Atlanta, though it also gives elsewhere. It accepts requests without a specified format and says grants are not limited to preselected organizations.
Assets
$68.7M
Grants
91
Total Given
$4.8M
The Community Foundation of Middle
Nashville, TN
The Community Foundation of Middle Tennessee supports nonprofits through community impact and fund-specific grants across a range of charitable areas, primarily serving Middle Tennessee. Its 2024 grants had a median of $8,500, though awards varied widely; it accepts applications for annual Special Interest Grants, but is not opening a new competitive Community Impact cycle for 2026–2027.
Assets
$832.0M
Grants
2,450
Total Given
$107.1M
HCA Healthcare Foundation
Nashville, TN
HCA Healthcare Foundation funds community health and health equity, including primary care, basic needs, education, and the arts; its Middle Tennessee Fund serves nine counties, while other initiatives support communities served by HCA Healthcare. In 2024, grants ranged from $1,000 to $9.65 million, with a median of $5,000. It accepts requests through an Applicant Inquiry Form for new applicants and organizations that have not received funding in 18 months; staff provide next steps after review.
Assets
$192.7M
Grants
999
Total Given
$25.4M
More Funders in Tennessee
Jack and Charlotte Frost down — hundreds of funders to go?