冯

Left-side ice radical — two short strokes representing frozen droplets, related to but distinct from the three-drop water 氵. Indexes 冯 by the standard Kangxi system. Cold-related kin include 冷 cold, 冻 freeze, 凉 cool. As a surname character, the original semantic load is mostly historical residue.

Right 马 supplies the sound — mǎ shifts to féng via an old initial-cluster reconstruction; the link runs through the older reading píng of 冯 (still alive in classical Chinese, 'to gallop / wade'). 马 the horse also reinforces that older 'galloping' sense. Today 冯 is overwhelmingly a surname (Han dynasty figure 冯异 etc.).