Cullen/Frost Bankers Reports Strong Q2 2025 Results

Cullen/frost Bankers ( (CFR) ) has released its Q2 earnings. Here is a breakdown of the information Cullen/frost Bankers presented to its investors.

Cullen/Frost Bankers, Inc., a financial holding company based in San Antonio, is one of the 50 largest banks in the U.S., providing a diverse array of banking, investment, and insurance services across Texas. The company, founded in 1868, has a significant presence in regions such as Austin, Dallas, and Houston.

In its latest earnings report, Cullen/Frost Bankers, Inc. announced a net income of $155.3 million for the second quarter of 2025, reflecting an increase from the $143.8 million reported in the same quarter of 2024. The company also declared a third-quarter dividend on both common and preferred stock, highlighting its commitment to returning value to shareholders.

Key financial metrics from the report include a 7.9% increase in net interest income, reaching $450.6 million, and a 7.2% growth in average loans, totaling $21.1 billion. Average deposits also saw a rise, reaching $41.8 billion. Non-interest income grew by 5.5%, driven by increased trust and investment management fees and service charges on deposit accounts. However, non-interest expenses rose by 9.5%, attributed to higher salaries, benefits, and technology costs.

The company’s capital ratios remain robust, with the Common Equity Tier 1 Risk-Based Capital Ratio at 13.98%, well above regulatory requirements. Despite the seasonal challenges typically faced in the second quarter, Cullen/Frost demonstrated resilience with slight increases in deposits and solid loan growth.

Looking ahead, Cullen/Frost Bankers, Inc. remains focused on its organic growth model, with management expressing confidence in the company’s ability to navigate the evolving financial landscape while continuing to deliver strong financial performance and shareholder value.