For the year ending 2025-12-31, CFR made $5,024,630K in revenue. $641,882K in net income. Net profit margin of 12.77%.
| Income Statement | 2025-12-31 | 2024-12-31 | ||
|---|---|---|---|---|
| Loans, including fees | 1,383,694 | 1,375,442 | ||
| Taxable | 488,257 | 396,224 | ||
| Tax-exempt | 239,259 | 218,177 | ||
| Interest-bearing deposits | 308,751 | 397,414 | ||
| Federal funds sold | 196 | 270 | ||
| Resell agreements | 590 | 3,110 | ||
| Total interest income | 2,420,747 | 2,390,637 | ||
| Deposits | 533,265 | 629,107 | ||
| Federal funds purchased | 1,079 | 1,556 | ||
| Repurchase agreements | 137,908 | 141,833 | ||
| Junior subordinated deferrable interest debentures | 7,689 | 8,872 | ||
| Subordinated notes | 4,657 | 4,657 | ||
| Total interest expense | 684,598 | 786,025 | ||
| Net interest income | 1,736,149 | 1,604,612 | ||
| Credit loss expense | 44,202 | 64,985 | ||
| Net interest income after credit loss expense | 1,691,947 | 1,539,627 | ||
| Trust and investment management fees | 177,097 | 165,270 | ||
| Service charges on deposit accounts | 121,572 | 106,230 | ||
| Insurance commissions and fees | 65,502 | 61,269 | ||
| Interchange and card transaction fees | 22,858 | 21,017 | ||
| Other charges, commissions and fees | 57,511 | 53,348 | ||
| Net gain (loss) on securities transactions | -850 | -96 | ||
| Other | 55,405 | 52,060 | ||
| Total non-interest income | 499,095 | 459,098 | ||
| Salaries and wages | 674,647 | 621,394 | ||
| Employee benefits | 146,101 | 122,446 | ||
| Net occupancy | 136,940 | 128,751 | ||
| Technology, furniture and equipment | 165,744 | 148,487 | ||
| Deposit insurance | 18,752 | 37,269 | ||
| Other | 277,156 | 244,411 | ||
| Total non-interest expense | 1,419,340 | 1,302,758 | ||
| Income before income taxes | 771,702 | 695,967 | ||
| Income taxes | 123,145 | 113,425 | ||
| Net income | 648,557 | 582,542 | ||
| Preferred stock dividends | 6,675 | 6,675 | ||
| Net income available to common shareholders | 641,882 | 575,867 | ||
| Basic (in dollars per share) | 9.92 | 8.88 | ||
| Diluted (in dollars per share) | 9.92 | 8.87 | ||
| Weighted-average shares outstanding for basic earnings per common share | 64,054,228 | 64,120,455 | ||
| Weighted-average shares outstanding for diluted earnings per common share | 64,099,238 | 64,262,646 | ||
CULLEN FROST BANKERS, INC. (CFR)
CULLEN FROST BANKERS, INC. (CFR)