Cullen/Frost Bankers, Inc. (CFR)

Cullen/Frost Bankers Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	6,467	8,853	10,224	8,594	11,938	16,465
Investment Securities	10,578	10,176	10,395	12,435	14,067	11,088
Trading Asset Securities	156.31	148.63	161.54	193.16	221.53	184.23
Mortgage-Backed Securities	10,898	9,235	8,192	7,847	6,902	4,594
Total Investments	21,632	19,560	18,749	20,476	21,191	15,866
Gross Loans	22,976	21,892	20,755	18,824	17,155	16,336
Allowance for Loan Losses	-283.71	-281.5	-270.15	-246	-227.62	-248.67
Net Loans	22,692	21,610	20,485	18,578	16,927	16,088
Property, Plant & Equipment	1,370	1,313	1,245	1,190	1,103	1,050
Goodwill	-	-	-	-	-	654.95
Other Intangible Assets	-	-	-	-	-	0.87
Accrued Interest Receivable	255.13	256.09	236.59	251.39	243.68	179.11
Restricted Cash	-	11.2	0.35	8.6	3.2	110.3
Other Real Estate Owned & Foreclosed	-	1.3	14.1	0.73	1	3.4
Other Long-Term Assets	1,465	1,436	1,566	1,746	1,485	461.06
Total Assets	53,881	53,041	52,520	50,845	52,892	50,878

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Bearing Deposits	28,750	28,774	28,281	26,994	26,356	24,273
Non-Interest Bearing Deposits	14,584	14,144	14,442	14,926	17,598	18,423
Total Deposits	43,334	42,918	42,723	41,921	43,954	42,696
Short-Term Borrowings	5,027	4,654	4,491	4,301	4,913	2,905
Current Portion of Leases	-	37.82	-	-	-	-
Accrued Interest Payable	43.69	45.74	58.87	61.22	18.44	3.03
Long-Term Debt	99.88	99.8	99.65	99.49	99.34	99.18
Long-Term Leases	289.5	258.56	308.1	316.4	321.9	313.4
Trust Preferred Securities	123.27	123.24	123.18	123.13	123.07	123.01
Other Long-Term Liabilities	340.96	331.47	817.78	306.4	324.98	299.38
Total Liabilities	49,258	48,468	48,622	47,129	49,755	46,439

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Preferred Stock, Non-Redeemable	145.45	145.45	145.45	145.45	145.45	145.45
Total Preferred Equity	145.45	145.45	145.45	145.45	145.45	145.45
Common Stock	0.64	0.64	0.64	0.64	0.64	0.64
Additional Paid-In Capital	1,111	1,100	1,076	1,056	1,030	1,010
Retained Earnings	4,516	4,309	3,951	3,658	3,310	2,957
Treasury Stock	-298.34	-139.61	-22.56	-23.93	-	-20.74
Comprehensive Income & Other	-851.66	-842.95	-1,252	-1,119	-1,348	347.32
Total Common Equity	4,477	4,428	3,753	3,571	2,992	4,294
Shareholders' Equity	4,623	4,573	3,899	3,716	3,137	4,440
Total Liabilities & Equity	53,881	53,041	52,520	50,845	52,892	50,878

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	5,540	5,173	5,022	4,840	5,458	3,441
Net Cash (Debt)	1,084	3,838	5,373	4,031	6,789	13,216
Net Cash Growth	-50.53%	-28.57%	33.28%	-40.62%	-48.63%	74.51%
Net Cash Per Share	17.12	59.88	83.61	62.60	105.22	206.17
Filing Date Shares Outstanding	62.15	63.2	64.24	64.2	64.36	64.02
Total Common Shares Outstanding	62.15	63.29	64.2	64.19	64.35	63.99
Book Value Per Share	72.04	69.96	58.46	55.64	46.49	67.11
Tangible Book Value	4,477	4,428	3,753	3,571	2,992	3,638
Tangible Book Value Per Share	72.04	69.96	58.46	55.64	46.49	56.86

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Jul 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 22, 2026

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