Cullen/Frost Bankers CFR Business Segments
| FY'25 | FY'24 | FY'23 | FY'22 | ||
|---|---|---|---|---|---|
| Net Income by Business | |||||
| Bank | $626.24M+11.6% | $561.08M-3.2% | $579.55M+5.0% | $551.8M+32.9% | |
| Frost Wealth Advisors | $35.93M-2.5% | $36.86M+11.0% | $33.22M-13.3% | $38.32M+4.1% | |
| Non-Banks | -$13.61M+11.6% | -$15.4M-4.1% | -$14.8M-34.9% | -$10.97M-21.7% | |
| Total non-interest income by Business | |||||
| Bank | $290.22M+9.6% | $264.82M+5.4% | $251.32M+8.9% | $230.88M+4.6% | |
| Frost Wealth Advisors | $209.79M+6.9% | $196.19M+9.7% | $178.91M+1.7% | $175.87M+5.0% | |
| Non-Banks | -$913K+52.3% | -$1.91M-13.7% | -$1.68M+12.9% | -$1.93M-40.4% | |
| Net income (loss) available to common shareholders by Business | |||||
| Bank | $626.24M+11.6% | $561.08M-3.2% | $579.55M+5.0% | $551.8M+32.9% | |
| Frost Wealth Advisors | $35.93M-2.5% | $36.86M+11.0% | $33.22M-13.3% | $38.32M+4.1% | |
| Non-Banks | -$20.29M+8.1% | -$22.08M-2.8% | -$21.47M-21.7% | -$17.64M-9.1% | |
| Other by Business | |||||
| Bank | $49.11M+7.3% | $45.79M-8.2% | $49.87M+15.8% | $43.06M— | |
| Banking | $215.41M+13.6% | $189.7M+6.1% | $178.78M+20.9% | $147.84M— | |
| Frost Wealth Advisors | $57M+14.5% | $49.79M+8.0% | $46.08M+7.7% | $42.79M— | |
| Non-Banks | $4.75M-3.4% | $4.92M+9.3% | $4.5M+10.7% | $4.07M— | |
| Net interest income (expense) by Business | |||||
| Bank | $1.74B+8.1% | $1.61B+3.0% | $1.56B+20.7% | $1.3B+30.9% | |
| Frost Wealth Advisors | $7.55M+0.2% | $7.54M-1.0% | $7.62M+64.0% | $4.65M+117% | |
| Non-Banks | -$12.35M+8.7% | -$13.53M-7.6% | -$12.58M-42.5% | -$8.83M-23.6% | |
| Total non-interest expense by Business | |||||
| Bank | $1.24B+9.0% | $1.14B+5.7% | $1.08B+21.6% | $886.42M+17.6% | |
| Frost Wealth Advisors | $171.87M+9.4% | $157.07M+8.7% | $144.48M+9.4% | $132.01M+7.3% | |
| Non-Banks | $6.64M-3.2% | $6.85M+7.8% | $6.36M+8.8% | $5.84M+10.2% | |
| Income (loss) before income taxes by Business | |||||
| Bank | $746.12M+11.1% | $671.61M-2.8% | $690.95M+8.5% | $636.92M+39.4% | |
| Frost Wealth Advisors | $45.48M-2.5% | $46.66M+11.0% | $42.05M-13.3% | $48.51M+4.1% | |
| Non-Banks | -$19.89M+10.8% | -$22.3M-8.1% | -$20.62M-24.2% | -$16.61M-20.2% | |
| Income taxes by Business | |||||
| Bank | $119.88M+8.5% | $110.52M-0.8% | $111.39M+30.9% | $85.13M+105% | |
| Frost Wealth Advisors | $9.55M-2.5% | $9.8M+11.0% | $8.83M-13.3% | $10.19M+4.1% | |
| Non-Banks | -$6.28M+8.9% | -$6.9M-18.4% | -$5.82M-3.3% | -$5.64M-17.2% | |
| Other charges, commissions, and fees by Business | |||||
| Bank | $32.04M+4.6% | $30.63M+1.4% | $30.22M+23.2% | $24.52M— | |
| Frost Wealth Advisors | $25.47M+12.1% | $22.72M+20.8% | $18.81M+10.2% | $17.07M— | |
| Non-Banks | $0-100% | $5K— | $0— | $0— | |
| Net gain (loss) on securities transactions by Business | |||||
| Bank | -$850K-785% | -$96K-245% | $66K— | $0— | |
| Frost Wealth Advisors | $0— | $0— | $0— | $0— | |
| Non-Banks | $0— | $0— | $0— | $0— | |
| Salaries and wages by Business | |||||
| Bank | $593.76M+9.0% | $544.84M+13.5% | $480.08M+11.5% | $430.66M— | |
| Frost Wealth Advisors | $79.31M+5.8% | $74.93M+13.4% | $66.07M+10.1% | $59.99M— | |
| Non-Banks | $1.58M-2.5% | $1.62M+3.7% | $1.57M+8.1% | $1.45M— | |
| Interest Income by Business | |||||
| Bank | $2.41B+1.3% | $2.38B+7.8% | $2.21B+50.2% | $1.47B— | |
| Frost Wealth Advisors | $7.94M-0.3% | $7.96M-1.2% | $8.06M+68.8% | $4.77M— | |
| Non-Banks | $0— | $0— | $0— | $0— | |
| Net interest income after credit loss expense by Business | |||||
| Bank | $1.7B+9.8% | $1.55B+1.9% | $1.52B+17.3% | $1.29B— | |
| Frost Wealth Advisors | $7.55M+0.2% | $7.54M-1.0% | $7.62M+64.0% | $4.65M— | |
| Non-Banks | -$12.35M+8.7% | -$13.53M-18.7% | -$11.4M-29.1% | -$8.83M— | |
| Insurance commissions and fees by Business | |||||
| Bank | $65.5M+6.9% | $61.27M+5.1% | $58.27M+9.5% | $53.21M— | |
| Frost Wealth Advisors | $0— | $0— | $0— | $0— | |
| Non-Banks | $0— | $0— | $0— | $0— | |
| Service charges on deposit accounts by Business | |||||
| Bank | $2.03B+8.3% | $1.88B+3.3% | $1.81B+18.9% | $1.53B+26.1% | |
| Frost Wealth Advisors | $217.35M+6.7% | $203.73M+9.2% | $186.53M+3.3% | $180.52M+6.5% | |
| Non-Banks | -$13.26M+14.1% | -$15.44M-8.3% | -$14.26M-32.5% | -$10.76M-26.3% | |
| Net occupancy by Business | |||||
| Bank | $122.46M+6.4% | $115.14M+4.7% | $109.95M+11.2% | $98.92M— | |
| Frost Wealth Advisors | $14.48M+6.4% | $13.62M-5.7% | $14.44M+6.4% | $13.58M— | |
| Non-Banks | $0— | $0— | $0— | $0— | |
| Interest Expense by Business | |||||
| Banking | $671.87M-13.0% | $772.08M+19.3% | $647.22M— | —— | |
| Frost Wealth Advisors | $386K-8.3% | $421K-3.7% | $437K+239% | $129K— | |
| Non-Banks | $12.35M+87.1% | $6.6M-42.1% | $11.4M+29.1% | $8.83M— | |
| Average assets (in millions) by Business | |||||
| Bank | $205.6B+4.3% | $197.16B— | —— | —— | |
| Frost Wealth Advisors | $282M+14.2% | $247M— | —— | —— | |
| Non-Banks | $36M-2.7% | $37M— | —— | —— | |
| Less: Preferred stock dividends by Business | |||||
| Bank | $0— | $0— | $0— | $0— | |
| Frost Wealth Advisors | $0— | $0— | $0— | $0— | |
| Non-Banks | $6.68M0.0% | $6.68M0.0% | $6.68M0.0% | $6.68M-6.7% | |
| Trust and investment management fees by Business | |||||
| Bank | $0— | $0— | $0— | $0— | |
| Frost Wealth Advisors | $178.23M+6.4% | $167.45M+7.8% | $155.28M-0.9% | $156.75M— | |
| Non-Banks | -$1.14M+47.8% | -$2.18M-11.0% | -$1.96M+5.3% | -$2.07M— | |
| Interchange and card transaction fees by Business | |||||
| Bank | $22.86M+8.8% | $21.02M+8.2% | $19.42M+6.5% | $18.23M— | |
| Frost Wealth Advisors | $0— | $0— | $0— | $0— | |
| Non-Banks | $0— | $0— | $0— | $0— | |
| Employee benefits by Business | |||||
| Bank | $131.16M+19.9% | $109.43M+5.8% | $103.43M+32.3% | $78.18M— | |
| Frost Wealth Advisors | $14.84M+15.0% | $12.91M+9.6% | $11.78M+14.6% | $10.27M— | |
| Non-Banks | $100K-3.8% | $104K+1.0% | $103K-34.4% | $157K— | |
| Technology, furniture, and equipment by Business | |||||
| Bank | $159.34M+11.8% | $142.52M+10.4% | $129.04M+12.0% | $115.26M— | |
| Frost Wealth Advisors | $6.2M+7.6% | $5.76M-4.8% | $6.05M+13.3% | $5.34M— | |
| Non-Banks | $200K-2.9% | $206K+8.4% | $190K+9.8% | $173K— | |
| Credit loss expense by Business | |||||
| Bank | $44.2M-32.0% | $64.99M+40.8% | $46.17M+1,439% | $3M+5,163% | |
| Frost Wealth Advisors | $0— | $0-100% | $2K— | $0-100% | |
| Non-Banks | $0— | $0— | $0— | $0— | |
| Deposit insurance by Business | |||||
| Bank | $20.07M-46.1% | $37.2M-51.4% | $76.54M+392% | $15.57M— | |
| Non-Banks | $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.
