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+12.0% | $626.24M+11.6% | $612.91M+19.8% | $587.4M+12.6% | $575.05M+6.9% | |
| Frost Wealth Advisors | $37.6M-1.3% | $35.93M-2.5% | $38.55M+12.7% | $36.85M+10.3% | $38.08M+16.4% | |
| Non-Banks | -$13.08M+14.9% | -$13.61M+11.6% | -$14.3M+7.3% | -$14.97M+3.9% | -$15.36M-4.4% | |
| Total non-interest income by Business | ||||||
| Bank | $297.41M+9.2% | $290.22M+9.6% | $282.42M+7.8% | $275.76M+6.7% | $272.26M+7.2% | |
| Frost Wealth Advisors | $214.48M+6.4% | $209.79M+6.9% | $208.65M+9.9% | $203.73M+9.7% | $201.51M+10.5% | |
| Non-Banks | -$492K+75.9% | -$913K+52.3% | -$1.31M+27.4% | -$1.68M+3.8% | -$2.04M-20.3% | |
| Net income (loss) available to common shareholders by Business | ||||||
| Bank | $644.1M+12.0% | $626.24M+11.6% | $612.91M+19.8% | $587.4M+12.6% | $575.05M+6.9% | |
| Frost Wealth Advisors | $37.6M-1.3% | $35.93M-2.5% | $38.55M+12.7% | $36.85M+10.3% | $38.08M+16.4% | |
| Non-Banks | -$19.75M+10.4% | -$20.29M+8.1% | -$20.97M+5.1% | -$21.64M+2.8% | -$22.04M-3.0% | |
| Other by Business | ||||||
| Bank | $50.74M+11.6% | $49.11M+7.3% | $46.43M+5.1% | $45.05M-2.2% | $45.48M-7.4% | |
| Banking | $221.1M+15.2% | $215.41M+13.6% | $204.68M+10.6% | $200.43M+9.0% | $191.97M+5.1% | |
| Frost Wealth Advisors | $58.17M+13.7% | $57M+14.5% | $52.87M+9.5% | $52.73M+14.2% | $51.17M+11.7% | |
| Non-Banks | $4.62M-7.5% | $4.75M-3.4% | $4.87M-5.9% | $5.11M-8.7% | $4.99M+15.8% | |
| Net interest income (expense) by Business | ||||||
| Bank | $1.76B+7.8% | $1.74B+8.1% | $1.71B+7.6% | $1.67B+6.5% | $1.64B+5.3% | |
| Frost Wealth Advisors | $7.32M-4.5% | $7.55M+0.2% | $7.62M+1.3% | $7.74M+3.8% | $7.66M+0.3% | |
| Non-Banks | -$12.14M+8.2% | -$12.35M+8.7% | -$12.6M+8.1% | -$12.85M+6.7% | -$13.21M-2.8% | |
| Total non-interest expense by Business | ||||||
| Bank | $1.26B+8.6% | $1.24B+9.0% | $1.21B+3.3% | $1.18B+3.4% | $1.16B+3.8% | |
| Frost Wealth Advisors | $174.21M+8.2% | $171.87M+9.4% | $167.48M+8.7% | $164.83M+9.3% | $160.97M+8.4% | |
| Non-Banks | $6.52M-5.7% | $6.64M-3.2% | $6.77M0.0% | $7.02M+3.5% | $6.92M+7.3% | |
| Income (loss) before income taxes by Business | ||||||
| Bank | $766.57M+11.5% | $746.12M+11.1% | $729.63M+19.3% | $699.88M+12.1% | $687.47M+7.0% | |
| Frost Wealth Advisors | $47.59M-1.3% | $45.48M-2.5% | $48.79M+12.7% | $46.64M+10.3% | $48.21M+16.4% | |
| Non-Banks | -$19.15M+13.6% | -$19.89M+10.8% | -$20.68M+7.2% | -$21.56M+3.3% | -$22.17M-5.6% | |
| Income taxes by Business | ||||||
| Bank | $122.47M+8.9% | $119.88M+8.5% | $116.72M+16.5% | $112.49M+9.4% | $112.42M+7.4% | |
| Frost Wealth Advisors | $10M-1.3% | $9.55M-2.5% | $10.25M+12.7% | $9.8M+10.4% | $10.12M+16.4% | |
| Non-Banks | -$6.08M+10.8% | -$6.28M+8.9% | -$6.38M+7.1% | -$6.59M+1.9% | -$6.81M-8.5% | |
| Other charges, commissions, and fees by Business | ||||||
| Bank | $31.87M+3.1% | $32.04M+4.6% | $32.14M+7.7% | $31.57M+6.7% | $30.91M+3.8% | |
| Frost Wealth Advisors | $25.32M+5.7% | $25.47M+12.1% | $25.35M+23.3% | $24.24M+21.2% | $23.96M+25.8% | |
| Non-Banks | $0-100% | $0-100% | $5K— | $5K— | $5K— | |
| Net gain (loss) on securities transactions by Business | ||||||
| Bank | -$836K-660% | -$850K-785% | -$126K-488% | -$110K-433% | -$110K-322% | |
| Frost Wealth Advisors | $0— | $0— | $0— | $0— | $0— | |
| Non-Banks | $0— | $0— | $0— | $0— | $0— | |
| Salaries and wages by Business | ||||||
| Bank | $598.49M+7.7% | $593.76M+9.0% | $576.26M+10.9% | $565.16M+12.4% | $555.9M+13.4% | |
| Frost Wealth Advisors | $79.88M+4.1% | $79.31M+5.8% | $79.83M+11.6% | $78.4M+14.3% | $76.74M+14.3% | |
| Non-Banks | $1.61M-0.2% | $1.58M-2.5% | $1.59M-0.9% | $1.6M+0.7% | $1.61M+2.1% | |
| Interest Income by Business | ||||||
| Bank | $2.41B+1.0% | $2.41B+1.3% | $2.4B+2.7% | $2.39B+4.6% | $2.38B+6.3% | |
| Frost Wealth Advisors | $7.7M-4.6% | $7.94M-0.3% | $8.01M+0.1% | $8.13M+3.9% | $8.07M+3.2% | |
| Non-Banks | $0— | $0— | $0— | $0— | $0— | |
| Net interest income after credit loss expense by Business | ||||||
| Bank | $1.73B+9.8% | $1.7B+9.8% | $1.66B+8.6% | $1.61B+5.8% | $1.57B+3.7% | |
| Frost Wealth Advisors | $7.32M-4.5% | $7.55M+0.2% | $7.62M+0.7% | $7.74M+4.7% | $7.66M+3.7% | |
| Non-Banks | -$12.14M+8.2% | -$12.35M+8.7% | -$12.6M+3.8% | -$12.85M-2.1% | -$13.21M-10.4% | |
| Insurance commissions and fees by Business | ||||||
| Bank | $66.56M+4.0% | $65.5M+6.9% | $64.54M+4.7% | $63.95M+4.2% | $63.99M+3.2% | |
| 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+8.0% | $2.03B+8.3% | $1.99B+7.6% | $1.94B+6.5% | $1.91B+5.6% | |
| Frost Wealth Advisors | $221.8M+6.0% | $217.35M+6.7% | $216.27M+9.6% | $211.47M+9.5% | $209.17M+10.1% | |
| Non-Banks | -$12.63M+17.2% | -$13.26M+14.1% | -$13.91M+10.3% | -$14.53M+6.3% | -$15.25M-4.9% | |
| Net occupancy by Business | ||||||
| Bank | $123.5M+5.8% | $122.46M+6.4% | $120.59M+5.9% | $118.76M+6.0% | $116.74M+5.5% | |
| Frost Wealth Advisors | $14.91M+10.3% | $14.48M+6.4% | $14.11M+1.6% | $13.76M-4.2% | $13.51M-6.6% | |
| Non-Banks | $0— | $0— | $0— | $0— | $0— | |
| Interest Expense by Business | ||||||
| Frost Wealth Advisors | $381K-6.6% | $386K-8.3% | $389K-10.2% | $393K-9.6% | $408K-5.1% | |
| Non-Banks | $12.14M+93.1% | $12.35M+87.1% | $12.6M+104% | $12.85M+127% | $6.28M-47.5% | |
| Average assets (in millions) by Business | ||||||
| Bank | $206.79B+4.0% | $205.6B+4.3% | $203.41B+3.2% | $200.98B— | $198.76B— | |
| Frost Wealth Advisors | $290M+14.6% | $282M+14.2% | $273M+12.8% | $264M— | $253M— | |
| Non-Banks | $36M-2.7% | $36M-2.7% | $36M-2.7% | $37M— | $37M— | |
| 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+6.7% | $178.23M+6.4% | $176.76M+9.2% | $173.31M+8.9% | $171.41M+9.9% | |
| Non-Banks | -$699K+69.6% | -$1.14M+47.8% | -$1.55M+25.7% | -$1.93M+4.9% | -$2.3M-16.7% | |
| Interchange and card transaction fees by Business | ||||||
| Bank | $23.99M+9.3% | $22.86M+8.8% | $22.33M+11.1% | $22.21M+13.7% | $21.95M+15.3% | |
| Frost Wealth Advisors | $0— | $0— | $0— | $0— | $0— | |
| Non-Banks | $0— | $0— | $0— | $0— | $0— | |
| Employee benefits by Business | ||||||
| Bank | $133.51M+16.2% | $131.16M+19.9% | $123.52M+12.8% | $118.48M+8.4% | $114.9M+5.0% | |
| Frost Wealth Advisors | $14.99M+9.9% | $14.84M+15.0% | $14.45M+10.7% | $14.08M+7.7% | $13.64M+5.7% | |
| Non-Banks | $101K-1.9% | $100K-3.8% | $100K-4.5% | $101K-3.3% | $103K-0.2% | |
| Technology, furniture, and equipment by Business | ||||||
| Bank | $160.88M+9.0% | $159.34M+11.8% | $157.57M+15.4% | $152.21M+14.8% | $147.56M+13.2% | |
| Frost Wealth Advisors | $6.23M+6.6% | $6.2M+7.6% | $6.17M+6.8% | $5.82M-0.2% | $5.84M-2.2% | |
| Non-Banks | $197K-6.6% | $200K-2.9% | $203K+0.7% | $208K+6.1% | $211K+10.8% | |
| Credit loss expense by Business | ||||||
| Bank | $37.88M-41.2% | $44.2M-32.0% | $49.14M-24.2% | $61.75M+9.1% | $64.41M+27.0% | |
| Frost Wealth Advisors | $0— | $0— | $0— | $0— | $0— | |
| Non-Banks | $0— | $0— | $0— | $0— | $0— | |
| Deposit insurance by Business | ||||||
| Bank | $20.09M-32.3% | $20.07M-46.1% | $26.98M-45.4% | $27.89M-54.5% | $29.66M-58.9% | |
| 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.
