Cullen/Frost Bankers, Inc. (CFR) quarterly balance sheet — complete assets, liabilities & equity history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Cash & Short Term Investments | 17.43B | 9.98B | 18.62B | 17.62B | 9.25B | 25.26B | 24.51B | 22.26B | 23.56B | 25.18B | 23.65B | 24.26B | 27.19B | 30.06B | 30.93B | 30.33B | 30.64B | 30.47B | 27.97B | 26.02B |
| Cash & Due from Banks | 638.78M | 8.86B | 7.93B | 7.1B | 7.84B | 10.22B | 9.19B | 7.06B | 8.38B | 8.6B | 7.53B | 7.01B | 9.21B | 11.82B | 13.53B | 13.55B | 14.46B | 16.54B | 16.24B | 15.18B |
| Short Term Investments | 16.79B | 1.12B | 10.68B | 10.51B | 1.41B | 15.04B | 15.32B | 15.2B | 15.18B | 16.58B | 16.12B | 17.25B | 17.98B | 18.24B | 17.4B | 16.78B | 16.18B | 13.92B | 11.73B | 10.84B |
| Total Investments | 16.79B | 41.05B | 34B | 33.68B | 39.7B | 39.06B | 38.68B | 38.52B | 37.92B | 38.78B | 37.9B | 38.45B | 38.95B | 37.81B | 36.29B | 35.22B | 34.15B | 31.76B | 29.07B | 28.99B |
| Investments Growth % | -57.71% | 5.09% | -12.09% | -12.58% | 4.7% | 0.74% | 2.06% | 0.18% | -2.64% | 2.55% | 4.44% | 9.17% | 14.06% | 19.04% | 24.82% | 21.48% | 14.48% | 7.3% | -4.73% | -4.3% |
| Long-Term Investments | 0 | 39.93B | 23.32B | 23.16B | 38.3B | 24.02B | 23.36B | 23.33B | 22.74B | 22.2B | 21.79B | 21.2B | 20.97B | 19.57B | 18.89B | 18.44B | 17.96B | 17.84B | 17.34B | 18.15B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.03B | 1B | 990.8M | 1.08B | 1.08B | 985.26M | 772.19M | 612.5M | 638.97M | 616.37M |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 655.16M | 655.24M | 655.34M | 655.44M | 655.54M | 655.67M | 655.82M | 655.97M | 656.13M |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 654.95M | 654.95M | 654.95M | 654.95M | 654.95M | 654.95M | 654.95M | 654.95M | 654.95M |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 208K | 290K | 386K | 486K | 589K | 720K | 866K | 1.02M | 1.18M |
| PP&E (Net) | 1.33B | 1.31B | 1.29B | 1.28B | 1.27B | 1.25B | 1.23B | 1.22B | 1.21B | 1.19B | 1.17B | 1.15B | 1.13B | 1.1B | 1.07B | 1.05B | 1.05B | 1.05B | 1.02B | 1.03B |
| Other Assets | 0 | 1.81B | 9.3B | 9.35B | 3.18B | 1.99B | 1.91B | 2.04B | 1.99B | 2.28B | 116.99M | 320.32M | 309.19M | 425.91M | 319.18M | 320.05M | 218.99M | 257.28M | 229.26M | 222.96M |
| Total Current Assets | 17.43B | 9.98B | 18.62B | 17.62B | 9.25B | 25.26B | 24.51B | 22.26B | 23.56B | 25.18B | 25.68B | 25.26B | 28.18B | 31.14B | 32.01B | 31.32B | 31.41B | 31.08B | 28.61B | 26.63B |
| Total Non-Current Assets | 1.33B | 43.06B | 33.92B | 33.79B | 42.75B | 27.26B | 26.5B | 26.59B | 25.94B | 25.66B | 23.07B | 23.33B | 23.06B | 21.75B | 20.93B | 20.46B | 19.88B | 19.8B | 19.25B | 20.07B |
| Total Assets | 52.72B | 53.04B | 52.53B | 51.41B | 52B | 52.52B | 51.01B | 48.84B | 49.51B | 50.85B | 48.75B | 48.6B | 51.25B | 52.89B | 52.95B | 51.78B | 51.3B | 50.88B | 47.86B | 46.7B |
| Asset Growth % | 1.38% | 0.99% | 2.99% | 5.25% | 5.05% | 3.29% | 4.64% | 0.51% | -3.4% | -3.87% | -7.93% | -6.16% | -0.1% | 3.96% | 10.63% | 10.89% | 16.46% | 20.02% | 19.35% | 18.59% |
| Return on Assets (ROA) | 0.32% | 0.31% | 0.34% | 0.3% | 0.29% | 0.3% | 0.29% | 0.3% | 0.27% | 0.21% | 0.32% | 0.32% | 0.34% | 0.36% | 0.32% | 0.23% | 0.19% | 0.2% | 0.23% | 0.26% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 784.28M | 703.72M | 1.08B | 866.26M | 1.24B | 905.97M | 988.77M | 754.33M | 1.41B | 1.11B |
| Total Debt | 0 | 4.77B | 4.82B | 4.67B | 4.72B | 4.59B | 4.26B | 4.02B | 4.21B | 4.36B | 3.97B | 3.81B | 4.52B | 4.93B | 2.33B | 1.93B | 2.1B | 2.99B | 2.46B | 2.48B |
| Net Debt | -638.78M | -4.1B | -3.11B | -2.44B | -3.13B | -5.63B | -4.93B | -3.04B | -4.17B | -4.24B | -3.56B | -3.2B | -4.69B | -6.89B | -11.2B | -11.62B | -12.36B | -13.55B | -13.78B | -12.7B |
| Long-Term Debt | 0 | 223.05M | 222.99M | 222.94M | 222.89M | 222.83M | 222.78M | 222.72M | 222.67M | 222.62M | 222.56M | 222.51M | 222.46M | 222.4M | 222.35M | 222.3M | 222.24M | 222.19M | 235.54M | 235.49M |
| Short-Term Debt | 0 | 4.54B | 4.6B | 4.44B | 4.49B | 4.36B | 4.04B | 3.8B | 3.98B | 4.14B | 3.75B | 3.58B | 4.29B | 4.71B | 2.11B | 1.71B | 1.88B | 2.77B | 2.23B | 2.24B |
| Other Liabilities | 48.19B | 782.85M | 736.89M | 858.42M | 783.9M | 1.31B | 893.08M | 837.16M | 853.68M | 844.02M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Liabilities | 0 | 47.46B | 47.11B | 46.13B | 46.88B | 47.09B | 45.76B | 44.12B | 44.79B | 46.06B | 45.52B | 44.99B | 47.56B | 49.53B | 49.91B | 48.22B | 47.3B | 46.22B | 43.25B | 42.09B |
| Total Non-Current Liabilities | 48.19B | 1.01B | 959.88M | 1.08B | 1.01B | 1.53B | 1.12B | 1.06B | 1.08B | 1.07B | 222.56M | 222.51M | 222.46M | 222.4M | 222.35M | 222.3M | 222.24M | 222.19M | 235.54M | 235.49M |
| Total Liabilities | 48.19B | 48.47B | 48.07B | 47.21B | 47.89B | 48.62B | 46.87B | 45.18B | 45.87B | 47.13B | 45.75B | 45.21B | 47.78B | 49.76B | 50.13B | 48.44B | 47.52B | 46.44B | 43.49B | 42.32B |
| Total Equity | 4.53B | 4.57B | 4.46B | 4.2B | 4.11B | 3.9B | 4.14B | 3.67B | 3.64B | 3.72B | 3B | 3.39B | 3.47B | 3.14B | 2.81B | 3.35B | 3.78B | 4.44B | 4.37B | 4.37B |
| Equity Growth % | 10.12% | 17.3% | 7.87% | 14.58% | 13.08% | 4.9% | 37.85% | 8.24% | 4.91% | 18.46% | 6.66% | 1.19% | -8.17% | -29.33% | -35.68% | -23.48% | -11.52% | 3.41% | 7.03% | 9.11% |
| Equity / Assets (Capital Ratio) | 8.59% | 8.62% | 8.49% | 8.17% | 7.91% | 7.42% | 8.11% | 7.51% | 7.35% | 7.31% | 6.15% | 6.97% | 6.77% | 5.93% | 5.31% | 6.46% | 7.36% | 8.73% | 9.14% | 9.37% |
| Return on Equity (ROE) | 3.76% | 3.68% | 4.03% | 3.78% | 3.77% | 3.85% | 3.76% | 3.98% | 3.69% | 3.05% | 4.87% | 4.73% | 5.38% | 6.43% | 5.51% | 3.34% | 2.41% | 2.29% | 2.47% | 2.73% |
| Book Value per Share | 71.23 | 71.90 | 69.57 | 65.28 | 63.95 | 60.69 | 64.53 | 56.98 | 56.52 | 57.79 | 46.70 | 52.57 | 53.65 | 48.53 | 43.60 | 51.92 | 58.58 | 69.00 | 68.21 | 68.23 |
| Tangible BV per Share | 71.23 | 71.90 | 69.57 | 65.28 | 63.95 | 60.69 | 64.53 | 56.98 | 56.52 | 57.79 | 46.70 | 42.40 | 43.52 | 38.39 | 33.44 | 41.75 | 48.41 | 58.81 | 57.98 | 58.00 |
| Common Stock | 644K | 644K | 644K | 644K | 644K | 644K | 644K | 644K | 644K | 644K | 644K | 644K | 644K | 643K | 642K | 642K | 642K | 642K | 642K | 642K |
| Additional Paid-in Capital | 0 | 1.1B | 1.09B | 1.08B | 1.08B | 1.08B | 1.07B | 1.06B | 1.06B | 1.06B | 1.04B | 1.04B | 1.04B | 1.03B | 1.02B | 1.02B | 1.01B | 1.01B | 1B | 1B |
| Retained Earnings | 4.41B | 4.31B | 4.23B | 4.12B | 4.03B | 3.95B | 3.89B | 3.81B | 3.73B | 3.66B | 3.63B | 3.53B | 3.43B | 3.31B | 3.18B | 3.07B | 3B | 2.96B | 2.92B | 2.86B |
| Accumulated OCI | -923.51M | -842.95M | -924.42M | -1.14B | -1.13B | -1.25B | -915.43M | -1.31B | -1.28B | -1.12B | -1.78B | -1.31B | -1.14B | -1.35B | -1.53B | -874.21M | -371.79M | 347.32M | 350.28M | 412.99M |
| Treasury Stock | 0 | -139.61M | -75.73M | -9.69M | -13.8M | -22.56M | -50.67M | -45.02M | -17.74M | -23.93M | -38.18M | -27.62M | -1.11M | 0 | -3.29M | -10.47M | -12.69M | -20.74M | -49.01M | -51.17M |
| Preferred Stock | 145.45M | 145.45M | 145.45M | 145.45M | 145.45M | 145.45M | 145.45M | 145.45M | 145.45M | 145.45M | 145.45M | 145.45M | 145.45M | 145.45M | 145.45M | 145.45M | 145.45M | 145.45M | 145.45M | 145.45M |