MarketCapExport financials
Cullen/Frost Bankers (CFR)
The export includes the complete available history of financial statements and ratios. Numbers are provided in full, without million or billion abbreviations, in their original reporting units.
CSV downloads as a ZIP archive with one file for each report and frequency.
Facebook
X
Telegram
Cullen/Frost Bankers Balance Sheet 2025-2007 | CFR
Brief balance sheet overview of Cullen/Frost Bankers
The balance sheet is assessed across five available annual reports spanning 2021 to 2025.
Assets changed little, standing at $50.9 billion initially and $53 billion at the end. The balance sheet stayed close to its former scale.
Liabilities followed the scale of the balance sheet: +4.4% versus +4.3% for assets. Leverage did not change materially.
For a financial business, a high liability share is part of the operating model, so capital is the key reference point: equity equals 8.6% of assets versus 8.7% initially.
Retained earnings stand at $4.3 billion; the five-period change was +45.7%. This reflects accumulated business performance.
Conclusion
Cullen/Frost Bankers's balance sheet presents a mixed picture: strengths coexist with a limited cushion. Future capital and debt trends are particularly important.
Annual Balance Sheet Cullen/Frost Bankers
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
- | - | - | - | - | - | -3.55 B | 8.3 B | 5.83 B | 6.32 B | 5.92 B | 4.37 B | 1.59 B | 2.99 B | -2.66 B | - | - | - | - |
Long Term Debt |
- | - | - | - | - | - | 235 M | 235 M | 235 M | 236 M | 237 M | 237 M | 224 M | 224 M | 224 M | - | - | - | - |
Total Non Current Liabilities |
- | - | - | - | - | - | 235 M | 235 M | 235 M | 236 M | 236 M | 237 M | 224 M | 224 M | 224 M | - | - | - | - |
Total Liabilities |
48.5 B | 48.6 B | 47.1 B | 49.8 B | 46.4 B | 38.1 B | 30.1 B | 28.9 B | 28.5 B | 27.2 B | 25.7 B | 25.4 B | 21.8 B | 20.7 B | 18 B | 15.6 B | 14.4 B | - | - |
Retained Earnings |
4.31 B | 3.95 B | 3.66 B | 3.31 B | 2.96 B | 2.75 B | 2.67 B | 2.44 B | 2.19 B | 1.99 B | 1.85 B | 1.71 B | 1.58 B | 1.48 B | 1.35 B | 1.25 B | 1.15 B | - | - |
Total Assets |
53 B | 52.5 B | 50.8 B | 52.9 B | 50.9 B | 42.4 B | 34 B | 32.3 B | 31.7 B | 30.2 B | 28.6 B | 28.3 B | 24.3 B | 23.1 B | 20.3 B | 17.6 B | 16.3 B | - | - |
Cash and Cash Equivalents |
8.87 B | 10.2 B | 8.69 B | 12 B | 16.6 B | 10.3 B | 3.79 B | - | - | - | - | - | 4.56 B | 3.52 B | 2.91 B | 2.82 B | 1.72 B | 1.24 B | 1.2 B |
Book Value |
4.57 B | 3.9 B | 3.72 B | 3.14 B | 4.44 B | 4.29 B | 3.91 B | 3.37 B | 3.3 B | 3 B | 2.89 B | 2.85 B | 2.51 B | 2.42 B | 2.28 B | 2.06 B | 1.89 B | - | - |
Total Shareholders Equity |
4.57 B | 3.9 B | 3.72 B | 3.14 B | 4.44 B | 4.29 B | 3.91 B | 3.37 B | 3.3 B | 3 B | 2.89 B | 2.85 B | 2.51 B | 2.42 B | 2.28 B | 2.06 B | 1.89 B | 1.76 B | 1.48 B |
Annual performance
Select metrics to display
All numbers in USD currency
Quarterly Balance Sheet Cullen/Frost Bankers
| 2026-Q3 | 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | 2010-Q4 | 2010-Q3 | 2010-Q2 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Total Liabilities |
50.5 B | 49.3 B | 48.2 B | 48.5 B | 48.1 B | 47.2 B | 47.9 B | 48.6 B | 46.9 B | 45.2 B | 45.9 B | 47.1 B | 45.7 B | 45.2 B | 47.8 B | 49.8 B | 50.1 B | 48.4 B | 47.5 B | 46.4 B | 43.5 B | 42.3 B | 39.8 B | 38.1 B | 36 B | 35.4 B | 30.3 B | 30.1 B | 29.2 B | 30.1 B | 30.1 B | 28.9 B | 28.9 B | 28.9 B | 28.9 B | 28.5 B | 28.5 B | 28.5 B | 28.5 B | 27.2 B | 27.2 B | 27.2 B | 27.2 B | 25.7 B | 25.7 B | 25.7 B | 25.7 B | 25.4 B | 25.4 B | 25.4 B | 25.4 B | 21.8 B | 21.8 B | 21.8 B | 21.8 B | 20.7 B | 20.7 B | 20.7 B | 20.7 B | 18 B | 18 B | 18 B | 18 B | 15.6 B | 15.6 B | 15 B |
Retained Earnings |
4.63 B | 4.52 B | 4.41 B | 4.31 B | 4.23 B | 4.12 B | 4.03 B | 3.95 B | 3.89 B | 3.81 B | 3.73 B | 3.66 B | 3.63 B | 3.53 B | 3.43 B | 3.31 B | 3.18 B | 3.07 B | 3 B | 2.96 B | 2.92 B | 2.86 B | 2.8 B | 2.75 B | 2.72 B | 2.68 B | 2.64 B | 2.67 B | 2.62 B | 2.67 B | 2.67 B | 2.44 B | 2.44 B | 2.44 B | 2.44 B | 2.19 B | 2.19 B | 2.19 B | 2.19 B | 1.99 B | 1.99 B | 1.99 B | 1.99 B | 1.85 B | 1.85 B | 1.85 B | 1.85 B | 1.71 B | 1.71 B | 1.71 B | 1.71 B | 1.58 B | 1.58 B | 1.58 B | 1.58 B | 1.48 B | 1.48 B | 1.48 B | 1.48 B | 1.35 B | 1.35 B | 1.35 B | 1.35 B | 1.25 B | 1.22 B | 1.2 B |
Total Assets |
54.5 B | 53.9 B | 52.7 B | 53 B | 52.5 B | 51.4 B | 52 B | 52.5 B | 51 B | 48.8 B | 49.5 B | 50.8 B | 48.7 B | 48.6 B | 51.2 B | 52.9 B | 52.9 B | 51.8 B | 51.3 B | 50.9 B | 47.9 B | 46.7 B | 44 B | 42.4 B | 40.1 B | 39.4 B | 34.1 B | 34 B | 33.1 B | 34 B | 34 B | 32.3 B | 32.3 B | 32.3 B | 32.3 B | 31.7 B | 31.7 B | 31.7 B | 31.7 B | 30.2 B | 30.2 B | 30.2 B | 30.2 B | 28.6 B | 28.6 B | 28.6 B | 28.6 B | 28.3 B | 28.3 B | 28.3 B | 28.3 B | 24.3 B | 24.3 B | 24.3 B | 24.3 B | 23.1 B | 23.1 B | 23.1 B | 23.1 B | 20.3 B | 20.3 B | 20.3 B | 20.3 B | 17.6 B | 17.7 B | 17.1 B |
Cash and Cash Equivalents |
7.1 B | 6.47 B | 7.14 B | 8.87 B | 7.94 B | 7.12 B | 7.85 B | 10.2 B | 9.2 B | 7.14 B | 8.46 B | 8.69 B | 7.62 B | 7.11 B | 9.3 B | 12 B | 13.6 B | 13.7 B | 14.5 B | 16.6 B | 16.3 B | 15.2 B | 11.8 B | 10.3 B | - | - | - | 3.79 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 4.56 B | - | - | 3.22 B | 3.52 B | 2.75 B | 2.3 B | 3.52 B | 2.91 B | 2.91 B | 2.91 B | 2.91 B | 2.82 B | 2.85 B | 2.65 B |
Book Value |
3.97 B | 4.62 B | 4.53 B | 4.57 B | 4.46 B | 4.2 B | 4.11 B | 3.9 B | 4.14 B | 3.67 B | 3.64 B | 3.72 B | 3 B | 3.39 B | 3.47 B | 3.14 B | 2.81 B | 3.35 B | 3.78 B | 4.44 B | 4.37 B | 4.37 B | 4.27 B | 4.29 B | 4.09 B | 4.01 B | 3.83 B | 3.91 B | 3.88 B | 3.91 B | 3.91 B | 3.37 B | 3.37 B | 3.37 B | 3.37 B | 3.3 B | 3.3 B | 3.3 B | 3.3 B | 3 B | 3 B | 3 B | 3 B | 2.89 B | 2.89 B | 2.89 B | 2.89 B | 2.85 B | 2.85 B | 2.85 B | 2.85 B | 2.51 B | 2.51 B | 2.51 B | 2.51 B | 2.42 B | 2.42 B | 2.42 B | 2.42 B | 2.28 B | 2.28 B | 2.28 B | 2.28 B | 2.06 B | 2.12 B | 2.04 B |
Total Shareholders Equity |
3.97 B | 4.62 B | 4.53 B | 4.57 B | 4.46 B | 4.2 B | 4.11 B | 3.9 B | 4.14 B | 3.67 B | 3.64 B | 3.72 B | 3 B | 3.39 B | 3.47 B | 3.14 B | 2.81 B | 3.35 B | 3.78 B | 4.44 B | 4.37 B | 4.37 B | 4.27 B | 4.29 B | 4.09 B | 4.01 B | 3.83 B | 3.91 B | 3.88 B | 3.91 B | 3.91 B | 3.37 B | 3.37 B | 3.37 B | 3.37 B | 3.3 B | 3.3 B | 3.3 B | 3.3 B | 3 B | 3 B | 3 B | 3 B | 2.89 B | 2.89 B | 2.89 B | 2.89 B | 2.85 B | 2.85 B | 2.85 B | 2.85 B | 2.51 B | 2.51 B | 2.51 B | 2.51 B | 2.42 B | 2.42 B | 2.42 B | 2.42 B | 2.28 B | 2.28 B | 2.28 B | 2.28 B | 2.06 B | 2.12 B | 2.04 B |
Quarterly performance
Select metrics to display
All numbers in USD currency
Balance Sheet is a fundamental financial report of Cullen/Frost Bankers, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.
USA
Argentina
Germany
Japan
