Cullen/Frost Bankers CFR Business Segments
| Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | ||
|---|---|---|---|---|---|---|
| Net Income by Business | ||||||
| Bank | $163.9M+12.2% | $160.42M+9.1% | $167.79M+17.9% | $151.99M+8.8% | $146.04M+10.6% | |
| Frost Wealth Advisors | $10.1M+19.8% | $8.73M-23.0% | $9.32M+22.3% | $9.45M-11.6% | $8.43M+17.0% | |
| Non-Banks | -$3.01M+15.1% | -$2.91M+19.1% | -$2.72M+19.7% | -$4.43M+8.2% | -$3.55M+1.1% | |
| Total non-interest income by Business | ||||||
| Bank | $81.01M+9.7% | $78.02M+11.1% | $72.7M+10.1% | $65.68M+5.6% | $73.82M+11.2% | |
| Frost Wealth Advisors | $55.44M+9.2% | $54.27M+2.1% | $53.06M+10.2% | $51.71M+4.5% | $50.75M+11.7% | |
| Non-Banks | -$134K+75.9% | -$123K+76.5% | -$118K+75.7% | -$117K+75.5% | -$555K-29.4% | |
| Net income (loss) available to common shareholders by Business | ||||||
| Bank | $163.9M+12.2% | $160.42M+9.1% | $167.79M+17.9% | $151.99M+8.8% | $146.04M+10.6% | |
| Frost Wealth Advisors | $10.1M+19.8% | $8.73M-23.0% | $9.32M+22.3% | $9.45M-11.6% | $8.43M+17.0% | |
| Non-Banks | -$4.68M+10.3% | -$4.58M+13.1% | -$4.39M+13.2% | -$6.1M+6.1% | -$5.22M+0.7% | |
| Other by Business | ||||||
| Bank | $13.01M+14.3% | $16.78M+19.0% | $11.94M+13.0% | $9M-4.6% | $11.39M-2.6% | |
| Banking | $56.53M+11.2% | $60.05M+21.7% | $50.12M+9.3% | $54.41M+18.4% | $50.83M+4.7% | |
| Frost Wealth Advisors | $13.81M+9.3% | $17.17M+31.6% | $13.78M+1.1% | $13.41M+13.1% | $12.64M+12.3% | |
| Non-Banks | $870K-13.4% | $748K-13.9% | $474K-33.2% | $2.53M+4.9% | $1.01M+7.6% | |
| Net interest income (expense) by Business | ||||||
| Bank | $439.87M+5.3% | $449.92M+8.4% | $442.75M+9.2% | $430.73M+8.1% | $417.54M+6.6% | |
| Frost Wealth Advisors | $1.55M-13.2% | $1.82M-3.4% | $1.97M-5.7% | $1.98M+4.0% | $1.79M+7.1% | |
| Non-Banks | -$2.9M+6.7% | -$3.03M+7.7% | -$3.1M+7.6% | -$3.11M+10.4% | -$3.11M+9.2% | |
| Total non-interest expense by Business | ||||||
| Bank | $320.11M+5.1% | $325.42M+10.6% | $308.3M+9.5% | $302.4M+9.5% | $304.72M+6.2% | |
| Frost Wealth Advisors | $44.2M+5.6% | $45.03M+10.8% | $43.23M+6.5% | $41.74M+10.2% | $41.87M+10.2% | |
| Non-Banks | $1.37M-7.5% | $1.22M-9.9% | $942K-21.2% | $3M+3.6% | $1.48M+4.6% | |
| Income (loss) before income taxes by Business | ||||||
| Bank | $194.02M+11.8% | $191.29M+9.4% | $200.38M+17.4% | $180.88M+7.4% | $173.57M+10.1% | |
| Frost Wealth Advisors | $12.79M+19.8% | $11.06M-23.0% | $11.8M+22.3% | $11.96M-11.6% | $10.67M+17.0% | |
| Non-Banks | -$4.4M+14.4% | -$4.37M+15.2% | -$4.16M+17.4% | -$6.22M+9.0% | -$5.14M+2.4% | |
| Income taxes by Business | ||||||
| Bank | $30.12M+9.4% | $30.87M+11.4% | $32.59M+14.9% | $28.89M+0.2% | $27.53M+7.4% | |
| Frost Wealth Advisors | $2.69M+19.8% | $2.32M-23.0% | $2.48M+22.3% | $2.51M-11.6% | $2.24M+17.0% | |
| Non-Banks | -$1.39M+12.9% | -$1.46M+6.3% | -$1.44M+12.6% | -$1.79M+11.0% | -$1.59M+5.1% | |
| Other charges, commissions, and fees by Business | ||||||
| Bank | $7.24M-2.3% | $8.24M-1.2% | $8.36M+7.2% | $8.03M+9.1% | $7.41M+3.9% | |
| Frost Wealth Advisors | $6.03M-2.4% | $6.98M+1.8% | $6.37M+21.0% | $5.94M+5.0% | $6.18M+25.2% | |
| Non-Banks | $0— | $0-100% | $0— | $0— | $0— | |
| Net gain (loss) on securities transactions by Business | ||||||
| Bank | $0+100% | -$836K-646% | $0-100% | $0— | -$14K— | |
| Frost Wealth Advisors | $0— | $0— | $0— | $0— | $0— | |
| Non-Banks | $0— | $0— | $0— | $0— | $0— | |
| Salaries and wages by Business | ||||||
| Bank | $145.83M+3.4% | $162.67M+12.1% | $147.91M+8.1% | $142.09M+7.0% | $141.09M+8.5% | |
| Frost Wealth Advisors | $19.94M+2.9% | $19.42M-2.6% | $20.85M+7.4% | $19.66M+9.2% | $19.37M+10.3% | |
| Non-Banks | $422K+6.6% | $396K-2.5% | $395K-2.7% | $396K-2.2% | $396K-2.5% | |
| Interest Income by Business | ||||||
| Bank | $576.33M-1.2% | $611.66M+2.2% | $618.03M+2.0% | $599.88M+0.9% | $583.24M-0.1% | |
| Frost Wealth Advisors | $1.64M-12.8% | $1.91M-3.4% | $2.07M-5.6% | $2.08M+3.1% | $1.88M+5.9% | |
| Non-Banks | $0— | $0— | $0— | $0— | $0— | |
| Net interest income after credit loss expense by Business | ||||||
| Bank | $433.13M+7.1% | $438.7M+10.0% | $435.98M+12.9% | $417.6M+9.2% | $404.47M+7.0% | |
| Frost Wealth Advisors | $1.55M-13.2% | $1.82M-3.4% | $1.97M-5.7% | $1.98M+4.0% | $1.79M+7.1% | |
| Non-Banks | -$2.9M+6.7% | -$3.03M+7.7% | -$3.1M+7.6% | -$3.11M+10.4% | -$3.11M+9.2% | |
| Insurance commissions and fees by Business | ||||||
| Bank | $22.08M+5.0% | $15.18M+6.8% | $15.42M+3.9% | $13.88M-0.3% | $21.02M+14.9% | |
| 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+6.0% | $527.94M+8.8% | $515.46M+9.3% | $496.41M+7.8% | $491.36M+7.2% | |
| Frost Wealth Advisors | $56.99M+8.5% | $56.09M+2.0% | $55.03M+9.6% | $53.69M+4.5% | $52.54M+11.6% | |
| Non-Banks | -$3.03M+17.2% | -$3.15M+17.1% | -$3.22M+16.2% | -$3.22M+18.3% | -$3.66M+4.9% | |
| Net occupancy by Business | ||||||
| Bank | $30.78M+3.5% | $30.63M+6.5% | $31.2M+6.3% | $30.89M+7.0% | $29.74M+5.7% | |
| Frost Wealth Advisors | $3.97M+12.1% | $3.71M+11.2% | $3.49M+11.1% | $3.75M+7.0% | $3.54M-2.8% | |
| Non-Banks | $0— | $0— | $0— | $0— | $0— | |
| Interest Expense by Business | ||||||
| Bank | $136.46M-17.6% | —— | $175.28M-12.5% | $169.15M-16.6% | $165.7M-13.7% | |
| Frost Wealth Advisors | $84K-5.6% | $94K-3.1% | $104K-3.7% | $99K-13.2% | $89K-12.7% | |
| Non-Banks | $2.9M-6.7% | $3.03M-7.7% | $3.1M-7.6% | $3.11M+190% | $3.11M-9.2% | |
| Average assets (in millions) by Business | ||||||
| Bank | $52.04B+2.3% | $51.81B+4.4% | $51.83B+4.9% | $51.12B+4.5% | $50.85B+3.2% | |
| Frost Wealth Advisors | $78M+11.4% | $73M+14.1% | $74M+13.8% | $65M+20.4% | $70M+9.4% | |
| Non-Banks | $9M0.0% | $9M0.0% | $9M-10.0% | $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% | $1.67M0.0% | $1.67M0.0% | $1.67M0.0% | $1.67M0.0% | |
| Trust and investment management fees by Business | ||||||
| Bank | $0— | $0— | $0— | $0— | $0— | |
| Frost Wealth Advisors | $48.13M+10.5% | $45.83M+3.3% | $45.02M+8.3% | $43.84M+4.5% | $43.54M+10.0% | |
| Non-Banks | -$175K+71.5% | -$174K+70.3% | -$175K+68.3% | -$175K+67.9% | -$613K-23.6% | |
| Interchange and card transaction fees by Business | ||||||
| Bank | $6.53M+20.9% | $6.29M+9.1% | $5.55M+2.2% | $5.62M+5.0% | $5.4M+20.7% | |
| Frost Wealth Advisors | $0— | $0— | $0— | $0— | $0— | |
| Non-Banks | $0— | $0— | $0— | $0— | $0— | |
| Employee benefits by Business | ||||||
| Bank | $39.69M+6.3% | $33.43M+29.6% | $31.15M+19.3% | $29.24M+14.0% | $37.34M+17.1% | |
| Frost Wealth Advisors | $4.94M+3.0% | $3.2M+14.1% | $3.29M+12.6% | $3.56M+14.3% | $4.79M+17.8% | |
| Non-Banks | $26K+4.0% | $25K0.0% | $25K-3.8% | $25K-7.4% | $25K-3.8% | |
| Technology, furniture, and equipment by Business | ||||||
| Bank | $40.09M+4.0% | $40M+4.6% | $41.61M+14.8% | $39.18M+13.5% | $38.56M+15.0% | |
| Frost Wealth Advisors | $1.53M+1.6% | $1.53M+2.1% | $1.82M+24.2% | $1.34M-1.8% | $1.51M+5.3% | |
| Non-Banks | $50K-5.7% | $49K-5.8% | $48K-9.4% | $50K-5.7% | $53K+10.4% | |
| Credit loss expense by Business | ||||||
| Bank | $6.75M-48.4% | $11.22M-30.6% | $6.78M-65.0% | $13.13M-16.8% | $13.07M-4.2% | |
| Frost Wealth Advisors | $0— | $0— | $0— | $0— | $0— | |
| Non-Banks | $0— | $0— | $0— | $0— | $0— | |
| Deposit insurance by Business | ||||||
| Bank | $7.19M+0.3% | $0-100% | $6.32M-12.6% | $6.58M-21.2% | $7.17M-51.3% | |
| Frost Wealth Advisors | $11K-15.4% | —— | $13K0.0% | $11K-63.3% | $13K+18.2% | |
| 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.
