Here are the 10-K annual reports from Cullen/Frost Bankers Inc. (CFR) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow CFR and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CFR filings page.
Cullen/Frost Bankers, Inc. files its annual report outlining its 2025 operations, risk profile and regulatory environment. The San Antonio‑based financial holding company reports consolidated total assets of $53.0 billion at December 31, 2025, with principal subsidiary Frost Bank holding $53.1 billion in assets and $43.3 billion in deposits.
The company operates about 204 financial centers and 1,760 ATMs across Texas, offering commercial and consumer banking, wealth, insurance, brokerage and capital markets services through two segments: Banking and Frost Wealth Advisors. Trust assets carried an estimated fair value of $51.0 billion, split between managed and custody balances.
Cullen/Frost emphasizes a community‑banking culture with centralized support, highlighting diversified industry exposure and a long‑tenured workforce of 6,008 full‑time equivalent employees. The filing details extensive supervision by the Federal Reserve, FDIC, Texas regulators, SEC and CFPB, capital and liquidity rules, deposit insurance assessments, cybersecurity expectations and evolving consumer and ESG‑related requirements.