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Cullen (CFR) Annual Income Statement

Annual · GAAP · USD millions
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Quarterly income statement trends provide context on Cullen's margins, operating leverage, and earnings trajectory.
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Annual Report, GAAP in USD millions
ITEM 		(Dec 31 2025)
2025 		(Dec 31 2024) (Dec 31 2023) (Dec 31 2022) (Dec 31 2021)
Revenues
Interest and Fee Income, Loans and Leases1,383.69
Interest and Dividend Income, Securities, Operating239.26
Interest Income, Federal Funds Sold0.59
Interest Income, Deposits with Financial Institutions308.75
Other Income488.45
Total Interest Income2,420.75
Interest Expense, Deposits533.27
Interest Expense, Short-term Borrowing137.91
Interest Expense, Long-term Debt and Capital Securities4.66
Total Interest Expense684.60
Net Interest Income1,736.15
Provision for loan losses44.20
Total Net Interest Income1,691.95
Insurance Commissions and Fees65.50
Revenue From Contract With Customer Excluding Assessed Tax121.57
Noninterest Income, Other Operating Income55.41
Other Non-Interest Income256.62
Total Non-interest Income499.10
Total Revenues2,191.04
Costs & Expenses
Salaries & employee benefits, SGA674.65
Depreciation & Amortization0.00
Occupancy, Net136.94
Federal Deposit Insurance Corporation Premium Expense18.75
Other Noninterest Expense277.16
Other loss /-income165.74
Total Operating Expenses1,419.34
Total Costs & Expenses2,095.17
Income & Taxes
Income /-loss before income taxes771.70
Income taxes expenses/-benefit123.15
Income after income taxes648.56
Net income/-loss of other equity0.00
Income /-loss after income taxes648.56
Net Income/-loss648.56
Preferred dividends6.68
Income/-loss to shareholder641.88
Earnings Per Share
Basic EPS (excl. extra items)9.92
Basic Net EPS9.92
Basic shares outstanding (Mill. of Units)64.05
Diluted Net EPS9.92
Diluted average shares (Mill. of Units)64.10
Dividend per share3.95
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About Cullen frost Bankers Inc Annual Income Statement

What this statement shows

This page presents issuer-reported income statement data, detailing revenue, operating costs, expenses, and earnings as disclosed in SEC 10-K filings and standardized by CSIMarket. The income statement reflects operating performance over a reporting period rather than financial position at a single date.

Revenue and expense treatment

Revenue and expense items are aligned to support period-to-period comparability. Operating and non-operating items, interest, and income taxes are classified based on issuer disclosures and XBRL tagging.

Source & verification

  • Source: SEC 10-K filings
  • Filed with the SEC: February 5, 2026
  • Original filing: cfr-20251231.htm

Income statement figures represent operating results for each reporting period and may be revised in subsequent filings.