Yes, I saw the first frost this morning on my banana leaves. The forecast was 39 deg F. It went down to 37 deg F, and I had to scrape off ice from the windshield this morning. Frost can form even if the air temperature is way above freezing on a very clear night.
The forecast is off and I hope that my newly sprouted grafts are undamaged. Had no time to protect them because the first predicted frost event is 10 days away.