For me its just a general pattern of fish moving shallow and into defined areas. Composition of the bank seems less important as the initial depth from the bank going right into that 2-3′ zone. Water next to low lying areas that’ll hold more frogs during the summer than your typical forested area can be hot. Tactics don’t seem to matter, they’re up there to eat.
Nothing like pulling out big a$$ frog femurs from some walleye bellies.
I agree w the colder the better, but that could again just do w seasonal patterns. Been chasing this bite for awhile and can say I maybe have hit it a couple times hot, other times are still good but not fire. Always worth getting out, see a guy with a cane pole pulling original raps dam near on shore that’s probably me!