Cullen/Frost Bankers CFR Business Segments
| TTM Q1 '26 | TTM Q4 '25 | TTM Q3 '25 | TTM Q2 '25 | TTM Q1 '25 | ||
|---|---|---|---|---|---|---|
| Net Income by Business | ||||||
| Bank | $644.1M+2.9% | $626.24M+2.2% | $612.91M+4.3% | $587.4M+2.1% | $575.05M+2.5% | |
| Frost Wealth Advisors | $37.6M+4.6% | $35.93M-6.8% | $38.55M+4.6% | $36.85M-3.2% | $38.08M+3.3% | |
| Non-Banks | -$13.08M+3.9% | -$13.61M+4.8% | -$14.3M+4.5% | -$14.97M+2.6% | -$15.36M+0.2% | |
| Total non-interest income by Business | ||||||
| Bank | $297.41M+2.5% | $290.22M+2.8% | $282.42M+2.4% | $275.76M+1.3% | $272.26M+2.8% | |
| Frost Wealth Advisors | $214.48M+2.2% | $209.79M+0.5% | $208.65M+2.4% | $203.73M+1.1% | $201.51M+2.7% | |
| Non-Banks | -$492K+46.1% | -$913K+30.5% | -$1.31M+21.8% | -$1.68M+17.6% | -$2.04M-6.6% | |
| Net income (loss) available to common shareholders by Business | ||||||
| Bank | $644.1M+2.9% | $626.24M+2.2% | $612.91M+4.3% | $587.4M+2.1% | $575.05M+2.5% | |
| Frost Wealth Advisors | $37.6M+4.6% | $35.93M-6.8% | $38.55M+4.6% | $36.85M-3.2% | $38.08M+3.3% | |
| Non-Banks | -$19.75M+2.6% | -$20.29M+3.3% | -$20.97M+3.1% | -$21.64M+1.8% | -$22.04M+0.2% | |
| Other by Business | ||||||
| Bank | $50.74M+3.3% | $49.11M+5.8% | $46.43M+3.1% | $45.05M-0.9% | $45.48M-0.7% | |
| Banking | $221.1M+2.6% | $215.41M+5.2% | $204.68M+2.1% | $200.43M+4.4% | $191.97M+1.2% | |
| Frost Wealth Advisors | $58.17M+2.1% | $57M+7.8% | $52.87M+0.3% | $52.73M+3.0% | $51.17M+2.8% | |
| Non-Banks | $4.62M-2.8% | $4.75M-2.5% | $4.87M-4.6% | $5.11M+2.3% | $4.99M+1.4% | |
| Net interest income (expense) by Business | ||||||
| Bank | $1.76B+1.3% | $1.74B+2.1% | $1.71B+2.2% | $1.67B+2.0% | $1.64B+1.6% | |
| Frost Wealth Advisors | $7.32M-3.1% | $7.55M-0.8% | $7.62M-1.5% | $7.74M+1.0% | $7.66M+1.6% | |
| Non-Banks | -$12.14M+1.7% | -$12.35M+2.0% | -$12.6M+2.0% | -$12.85M+2.7% | -$13.21M+2.3% | |
| Total non-interest expense by Business | ||||||
| Bank | $1.26B+1.2% | $1.24B+2.6% | $1.21B+2.3% | $1.18B+2.3% | $1.16B+1.6% | |
| Frost Wealth Advisors | $174.21M+1.4% | $171.87M+2.6% | $167.48M+1.6% | $164.83M+2.4% | $160.97M+2.5% | |
| Non-Banks | $6.52M-1.7% | $6.64M-2.0% | $6.77M-3.6% | $7.02M+1.5% | $6.92M+0.9% | |
| Income (loss) before income taxes by Business | ||||||
| Bank | $766.57M+2.7% | $746.12M+2.3% | $729.63M+4.2% | $699.88M+1.8% | $687.47M+2.4% | |
| Frost Wealth Advisors | $47.59M+4.6% | $45.48M-6.8% | $48.79M+4.6% | $46.64M-3.2% | $48.21M+3.3% | |
| Non-Banks | -$19.15M+3.7% | -$19.89M+3.8% | -$20.68M+4.1% | -$21.56M+2.8% | -$22.17M+0.6% | |
| Income taxes by Business | ||||||
| Bank | $122.47M+2.2% | $119.88M+2.7% | $116.72M+3.8% | $112.49M+0.1% | $112.42M+1.7% | |
| Frost Wealth Advisors | $10M+4.6% | $9.55M-6.8% | $10.25M+4.6% | $9.8M-3.2% | $10.12M+3.3% | |
| Non-Banks | -$6.08M+3.3% | -$6.28M+1.6% | -$6.38M+3.2% | -$6.59M+3.2% | -$6.81M+1.2% | |
| Other charges, commissions, and fees by Business | ||||||
| Bank | $31.87M-0.5% | $32.04M-0.3% | $32.14M+1.8% | $31.57M+2.2% | $30.91M+0.9% | |
| Frost Wealth Advisors | $25.32M-0.6% | $25.47M+0.5% | $25.35M+4.6% | $24.24M+1.2% | $23.96M+5.5% | |
| Non-Banks | $0— | $0-100% | $5K0.0% | $5K0.0% | $5K0.0% | |
| Net gain (loss) on securities transactions by Business | ||||||
| Bank | -$836K+1.6% | -$850K-575% | -$126K-14.5% | -$110K0.0% | -$110K-14.6% | |
| Frost Wealth Advisors | $0— | $0— | $0— | $0— | $0— | |
| Non-Banks | $0— | $0— | $0— | $0— | $0— | |
| Salaries and wages by Business | ||||||
| Bank | $598.49M+0.8% | $593.76M+3.0% | $576.26M+2.0% | $565.16M+1.7% | $555.9M+2.0% | |
| Frost Wealth Advisors | $79.88M+0.7% | $79.31M-0.7% | $79.83M+1.8% | $78.4M+2.2% | $76.74M+2.4% | |
| Non-Banks | $1.61M+1.6% | $1.58M-0.6% | $1.59M-0.7% | $1.6M-0.6% | $1.61M-0.6% | |
| Interest Income by Business | ||||||
| Bank | $2.41B-0.3% | $2.41B+0.5% | $2.4B+0.5% | $2.39B+0.2% | $2.38B0.0% | |
| Frost Wealth Advisors | $7.7M-3.0% | $7.94M-0.8% | $8.01M-1.5% | $8.13M+0.8% | $8.07M+1.3% | |
| Non-Banks | $0— | $0— | $0— | $0— | $0— | |
| Net interest income after credit loss expense by Business | ||||||
| Bank | $1.73B+1.7% | $1.7B+2.4% | $1.66B+3.1% | $1.61B+2.2% | $1.57B+1.7% | |
| Frost Wealth Advisors | $7.32M-3.1% | $7.55M-0.8% | $7.62M-1.5% | $7.74M+1.0% | $7.66M+1.6% | |
| Non-Banks | -$12.14M+1.7% | -$12.35M+2.0% | -$12.6M+2.0% | -$12.85M+2.7% | -$13.21M+2.3% | |
| Insurance commissions and fees by Business | ||||||
| Bank | $66.56M+1.6% | $65.5M+1.5% | $64.54M+0.9% | $63.95M-0.1% | $63.99M+4.4% | |
| Frost Wealth Advisors | $0— | $0— | $0— | $0— | $0— | |
| Non-Banks | $0— | $0— | $0— | $0— | $0— | |
| Service charges on deposit accounts by Business | ||||||
| Bank | $2.06B+1.5% | $2.03B+2.2% | $1.99B+2.3% | $1.94B+1.9% | $1.91B+1.8% | |
| Frost Wealth Advisors | $221.8M+2.0% | $217.35M+0.5% | $216.27M+2.3% | $211.47M+1.1% | $209.17M+2.7% | |
| Non-Banks | -$12.63M+4.8% | -$13.26M+4.7% | -$13.91M+4.3% | -$14.53M+4.7% | -$15.25M+1.2% | |
| Net occupancy by Business | ||||||
| Bank | $123.5M+0.9% | $122.46M+1.5% | $120.59M+1.5% | $118.76M+1.7% | $116.74M+1.4% | |
| Frost Wealth Advisors | $14.91M+3.0% | $14.48M+2.7% | $14.11M+2.5% | $13.76M+1.8% | $13.51M-0.7% | |
| Non-Banks | $0— | $0— | $0— | $0— | $0— | |
| Interest Expense by Business | ||||||
| Frost Wealth Advisors | $381K-1.3% | $386K-0.8% | $389K-1.0% | $393K-3.7% | $408K-3.1% | |
| Non-Banks | $12.14M-1.7% | $12.35M-2.0% | $12.6M-2.0% | $12.85M+105% | $6.28M-4.8% | |
| Average assets (in millions) by Business | ||||||
| Bank | $206.79B+0.6% | $205.6B+1.1% | $203.41B+1.2% | $200.98B+1.1% | $198.76B+0.8% | |
| Frost Wealth Advisors | $290M+2.8% | $282M+3.3% | $273M+3.4% | $264M+4.3% | $253M+2.4% | |
| Non-Banks | $36M0.0% | $36M0.0% | $36M-2.7% | $37M0.0% | $37M0.0% | |
| Less: Preferred stock dividends by Business | ||||||
| Bank | $0— | $0— | $0— | $0— | $0— | |
| Frost Wealth Advisors | $0— | $0— | $0— | $0— | $0— | |
| Non-Banks | $6.68M0.0% | $6.68M0.0% | $6.68M0.0% | $6.68M0.0% | $6.68M0.0% | |
| Trust and investment management fees by Business | ||||||
| Bank | $0— | $0— | $0— | $0— | $0— | |
| Frost Wealth Advisors | $182.82M+2.6% | $178.23M+0.8% | $176.76M+2.0% | $173.31M+1.1% | $171.41M+2.4% | |
| Non-Banks | -$699K+38.5% | -$1.14M+26.6% | -$1.55M+19.6% | -$1.93M+16.2% | -$2.3M-5.4% | |
| Interchange and card transaction fees by Business | ||||||
| Bank | $23.99M+4.9% | $22.86M+2.4% | $22.33M+0.5% | $22.21M+1.2% | $21.95M+4.4% | |
| Frost Wealth Advisors | $0— | $0— | $0— | $0— | $0— | |
| Non-Banks | $0— | $0— | $0— | $0— | $0— | |
| Employee benefits by Business | ||||||
| Bank | $133.51M+1.8% | $131.16M+6.2% | $123.52M+4.3% | $118.48M+3.1% | $114.9M+5.0% | |
| Frost Wealth Advisors | $14.99M+1.0% | $14.84M+2.7% | $14.45M+2.6% | $14.08M+3.3% | $13.64M+5.6% | |
| Non-Banks | $101K+1.0% | $100K0.0% | $100K-1.0% | $101K-1.9% | $103K-1.0% | |
| Technology, furniture, and equipment by Business | ||||||
| Bank | $160.88M+1.0% | $159.34M+1.1% | $157.57M+3.5% | $152.21M+3.1% | $147.56M+3.5% | |
| Frost Wealth Advisors | $6.23M+0.4% | $6.2M+0.5% | $6.17M+6.1% | $5.82M-0.4% | $5.84M+1.3% | |
| Non-Banks | $197K-1.5% | $200K-1.5% | $203K-2.4% | $208K-1.4% | $211K+2.4% | |
| Credit loss expense by Business | ||||||
| Bank | $37.88M-14.3% | $44.2M-10.0% | $49.14M-20.4% | $61.75M-4.1% | $64.41M-0.9% | |
| Frost Wealth Advisors | $0— | $0— | $0— | $0— | $0— | |
| Non-Banks | $0— | $0— | $0— | $0— | $0— | |
| Deposit insurance by Business | ||||||
| Bank | $20.09M+0.1% | $20.07M-25.6% | $26.98M-3.3% | $27.89M-6.0% | $29.66M-20.3% | |
| 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.
