Cullen/Frost Bankers CFR Business Segments
| Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | ||
|---|---|---|---|---|---|---|
| Net Income by Business | ||||||
| Bank | $163.9M+2.2% | $160.42M-4.4% | $167.79M+10.4% | $151.99M+4.1% | $146.04M-0.7% | |
| Frost Wealth Advisors | $10.1M+15.7% | $8.73M-6.3% | $9.32M-1.4% | $9.45M+12.0% | $8.43M-25.7% | |
| Non-Banks | -$3.01M-3.6% | -$2.91M-6.7% | -$2.72M+38.6% | -$4.43M-24.9% | -$3.55M+1.3% | |
| Total non-interest income by Business | ||||||
| Bank | $81.01M+3.8% | $78.02M+7.3% | $72.7M+10.7% | $65.68M-11.0% | $73.82M+5.1% | |
| Frost Wealth Advisors | $55.44M+2.2% | $54.27M+2.3% | $53.06M+2.6% | $51.71M+1.9% | $50.75M-4.5% | |
| Non-Banks | -$134K-8.9% | -$123K-4.2% | -$118K-0.9% | -$117K+78.9% | -$555K-6.1% | |
| Net income (loss) available to common shareholders by Business | ||||||
| Bank | $163.9M+2.2% | $160.42M-4.4% | $167.79M+10.4% | $151.99M+4.1% | $146.04M-0.7% | |
| Frost Wealth Advisors | $10.1M+15.7% | $8.73M-6.3% | $9.32M-1.4% | $9.45M+12.0% | $8.43M-25.7% | |
| Non-Banks | -$4.68M-2.3% | -$4.58M-4.2% | -$4.39M+28.0% | -$6.1M-17.0% | -$5.22M+0.9% | |
| Other by Business | ||||||
| Bank | $13.01M-22.5% | $16.78M+40.5% | $11.94M+32.6% | $9M-20.9% | $11.39M-19.3% | |
| Banking | $56.53M-5.9% | $60.05M+19.8% | $50.12M-7.9% | $54.41M+7.1% | $50.83M+3.1% | |
| Frost Wealth Advisors | $13.81M-19.5% | $17.17M+24.6% | $13.78M+2.7% | $13.41M+6.1% | $12.64M-3.1% | |
| Non-Banks | $870K+16.3% | $748K+57.8% | $474K-81.2% | $2.53M+151% | $1.01M+15.7% | |
| Net interest income (expense) by Business | ||||||
| Bank | $439.87M-2.2% | $449.92M+1.6% | $442.75M+2.8% | $430.73M+3.2% | $417.54M+0.6% | |
| Frost Wealth Advisors | $1.55M-14.5% | $1.82M-7.8% | $1.97M-0.8% | $1.98M+11.0% | $1.79M-4.9% | |
| Non-Banks | -$2.9M+4.3% | -$3.03M+2.4% | -$3.1M0.0% | -$3.11M+0.1% | -$3.11M+5.3% | |
| Total non-interest expense by Business | ||||||
| Bank | $320.11M-1.6% | $325.42M+5.6% | $308.3M+2.0% | $302.4M-0.8% | $304.72M+3.6% | |
| Frost Wealth Advisors | $44.2M-1.8% | $45.03M+4.2% | $43.23M+3.6% | $41.74M-0.3% | $41.87M+3.0% | |
| Non-Banks | $1.37M+12.3% | $1.22M+29.3% | $942K-68.6% | $3M+103% | $1.48M+9.4% | |
| Income (loss) before income taxes by Business | ||||||
| Bank | $194.02M+1.4% | $191.29M-4.5% | $200.38M+10.8% | $180.88M+4.2% | $173.57M-0.7% | |
| Frost Wealth Advisors | $12.79M+15.6% | $11.06M-6.3% | $11.8M-1.4% | $11.96M+12.0% | $10.67M-25.7% | |
| Non-Banks | -$4.4M-0.7% | -$4.37M-4.9% | -$4.16M+33.0% | -$6.22M-20.9% | -$5.14M+0.3% | |
| Income taxes by Business | ||||||
| Bank | $30.12M-2.4% | $30.87M-5.3% | $32.59M+12.8% | $28.89M+5.0% | $27.53M-0.7% | |
| Frost Wealth Advisors | $2.69M+15.6% | $2.32M-6.3% | $2.48M-1.4% | $2.51M+12.0% | $2.24M-25.7% | |
| Non-Banks | -$1.39M+5.1% | -$1.46M-1.7% | -$1.44M+19.3% | -$1.79M-12.0% | -$1.59M-2.0% | |
| Other charges, commissions, and fees by Business | ||||||
| Bank | $7.24M-12.2% | $8.24M-1.3% | $8.36M+4.0% | $8.03M+8.4% | $7.41M-11.3% | |
| Frost Wealth Advisors | $6.03M-13.7% | $6.98M+9.6% | $6.37M+7.4% | $5.94M-3.9% | $6.18M-9.9% | |
| Non-Banks | $0— | $0— | $0— | $0— | $0-100% | |
| Net gain (loss) on securities transactions by Business | ||||||
| Bank | $0+100% | -$836K— | $0— | $0+100% | -$14K+87.5% | |
| Frost Wealth Advisors | $0— | $0— | $0— | $0— | $0— | |
| Non-Banks | $0— | $0— | $0— | $0— | $0— | |
| Salaries and wages by Business | ||||||
| Bank | $145.83M-10.4% | $162.67M+10.0% | $147.91M+4.1% | $142.09M+0.7% | $141.09M-2.8% | |
| Frost Wealth Advisors | $19.94M+2.6% | $19.42M-6.8% | $20.85M+6.0% | $19.66M+1.5% | $19.37M-2.9% | |
| Non-Banks | $422K+6.6% | $396K+0.3% | $395K-0.3% | $396K0.0% | $396K-2.5% | |
| Interest Income by Business | ||||||
| Bank | $576.33M-5.8% | $611.66M-1.0% | $618.03M+3.0% | $599.88M+2.9% | $583.24M-2.6% | |
| Frost Wealth Advisors | $1.64M-14.4% | $1.91M-7.9% | $2.07M-0.5% | $2.08M+11.0% | $1.88M-5.1% | |
| Non-Banks | $0— | $0— | $0— | $0— | $0— | |
| Net interest income after credit loss expense by Business | ||||||
| Bank | $433.13M-1.3% | $438.7M+0.6% | $435.98M+4.4% | $417.6M+3.2% | $404.47M+1.4% | |
| Frost Wealth Advisors | $1.55M-14.5% | $1.82M-7.8% | $1.97M-0.8% | $1.98M+11.0% | $1.79M-4.9% | |
| Non-Banks | -$2.9M+4.3% | -$3.03M+2.4% | -$3.1M0.0% | -$3.11M+0.1% | -$3.11M+5.3% | |
| Insurance commissions and fees by Business | ||||||
| Bank | $22.08M+45.4% | $15.18M-1.6% | $15.42M+11.1% | $13.88M-34.0% | $21.02M+47.9% | |
| Frost Wealth Advisors | $0— | $0— | $0— | $0— | $0— | |
| Non-Banks | $0— | $0— | $0— | $0— | $0— | |
| Service charges on deposit accounts by Business | ||||||
| Bank | $520.88M-1.3% | $527.94M+2.4% | $515.46M+3.8% | $496.41M+1.0% | $491.36M+1.3% | |
| Frost Wealth Advisors | $56.99M+1.6% | $56.09M+1.9% | $55.03M+2.5% | $53.69M+2.2% | $52.54M-4.5% | |
| Non-Banks | -$3.03M+3.8% | -$3.15M+2.2% | -$3.22M0.0% | -$3.22M+12.0% | -$3.66M+3.7% | |
| Net occupancy by Business | ||||||
| Bank | $30.78M+0.5% | $30.63M-1.8% | $31.2M+1.0% | $30.89M+3.9% | $29.74M+3.4% | |
| Frost Wealth Advisors | $3.97M+7.1% | $3.71M+6.4% | $3.49M-7.0% | $3.75M+5.8% | $3.54M+6.2% | |
| Non-Banks | $0— | $0— | $0— | $0— | $0— | |
| Interest Expense by Business | ||||||
| Bank | $136.46M— | —— | $175.28M+3.6% | $169.15M+2.1% | $165.7M-9.8% | |
| Frost Wealth Advisors | $84K-10.6% | $94K-9.6% | $104K+5.1% | $99K+11.2% | $89K-8.2% | |
| Non-Banks | $2.9M-4.3% | $3.03M-2.4% | $3.1M0.0% | $3.11M-0.1% | $3.11M-5.3% | |
| Average assets (in millions) by Business | ||||||
| Bank | $52.04B+0.4% | $51.81B0.0% | $51.83B+1.4% | $51.12B+0.5% | $50.85B+2.5% | |
| Frost Wealth Advisors | $78M+6.8% | $73M-1.4% | $74M+13.8% | $65M-7.1% | $70M+9.4% | |
| Non-Banks | $9M0.0% | $9M0.0% | $9M0.0% | $9M0.0% | $9M0.0% | |
| Less: Preferred stock dividends by Business | ||||||
| Bank | $0— | $0— | $0— | $0— | $0— | |
| Frost Wealth Advisors | $0— | $0— | $0— | $0— | $0— | |
| Non-Banks | $1.67M0.0% | $1.67M+0.1% | $1.67M-0.1% | $1.67M0.0% | $1.67M0.0% | |
| Trust and investment management fees by Business | ||||||
| Bank | $0— | $0— | $0— | $0— | $0— | |
| Frost Wealth Advisors | $48.13M+5.0% | $45.83M+1.8% | $45.02M+2.7% | $43.84M+0.7% | $43.54M-1.8% | |
| Non-Banks | -$175K-0.6% | -$174K+0.6% | -$175K0.0% | -$175K+71.5% | -$613K-4.8% | |
| Interchange and card transaction fees by Business | ||||||
| Bank | $6.53M+3.8% | $6.29M+13.4% | $5.55M-1.3% | $5.62M+4.0% | $5.4M-6.3% | |
| Frost Wealth Advisors | $0— | $0— | $0— | $0— | $0— | |
| Non-Banks | $0— | $0— | $0— | $0— | $0— | |
| Employee benefits by Business | ||||||
| Bank | $39.69M+18.7% | $33.43M+7.3% | $31.15M+6.5% | $29.24M-21.7% | $37.34M+44.8% | |
| Frost Wealth Advisors | $4.94M+54.2% | $3.2M-2.6% | $3.29M-7.5% | $3.56M-25.8% | $4.79M+70.8% | |
| Non-Banks | $26K+4.0% | $25K0.0% | $25K0.0% | $25K0.0% | $25K0.0% | |
| Technology, furniture, and equipment by Business | ||||||
| Bank | $40.09M+0.2% | $40M-3.9% | $41.61M+6.2% | $39.18M+1.6% | $38.56M+0.9% | |
| Frost Wealth Advisors | $1.53M+0.1% | $1.53M-15.9% | $1.82M+35.4% | $1.34M-10.9% | $1.51M+0.6% | |
| Non-Banks | $50K+2.0% | $49K+2.1% | $48K-4.0% | $50K-5.7% | $53K+1.9% | |
| Credit loss expense by Business | ||||||
| Bank | $6.75M-39.9% | $11.22M+65.6% | $6.78M-48.4% | $13.13M+0.5% | $13.07M-19.1% | |
| Frost Wealth Advisors | $0— | $0— | $0— | $0— | $0— | |
| Non-Banks | $0— | $0— | $0— | $0— | $0— | |
| Deposit insurance by Business | ||||||
| Bank | $7.19M— | $0-100% | $6.32M-4.0% | $6.58M-8.3% | $7.17M+3.7% | |
| Frost Wealth Advisors | $11K— | —— | $13K+18.2% | $11K-15.4% | $13K+8.3% | |
| Non-Banks | $0— | $0— | $0— | $0— | $0— |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →Questions, answered.
- How does Cullen/Frost Bankers break its business down?
- Cullen/Frost Bankers (CFR) reports net income by business across 3 parts — Bank, Frost Wealth Advisors and Non-Banks. Each is extracted from the segment footnotes and tracked over time.
- Where does Cullen/Frost Bankers's segment data come from?
- Segment breakdowns are pulled from the segment footnotes in Cullen/Frost Bankers's SEC filings (the XBRL dimensional tags), so every line ties back to a reported figure. Switch between quarterly, annual, and TTM, or open any segment for its full history.
