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Sep 30
Cullen/Frost Bankers Q3 2025 Earnings Report
Cullen/Frost Bankers reported strong third quarter 2025 results with increased net income and diluted EPS, driven by steady loan growth and seasonal deposit strength.
Key Takeaways
Cullen/Frost Bankers, Inc. delivered a robust third quarter in 2025, with net income available to common shareholders rising to $172.7 million, a significant increase from the previous year. Diluted earnings per share also saw a healthy jump to $2.67. The company experienced continued loan growth and an increase in deposits, contributing to improved returns on average assets and average common equity.
Net income available to common shareholders for Q3 2025 increased to $172.7 million, up from $144.8 million in Q3 2024.
Diluted earnings per common share rose to $2.67 in Q3 2025, compared to $2.24 in Q3 2024.
Average loans grew by 6.8% year-over-year to $21.5 billion, while average deposits increased by 3.3% to $42.1 billion.
Return on average assets improved to 1.32% and return on average common equity reached 16.72% for the quarter.
Cullen/Frost Bankers
Cullen/Frost Bankers
Cullen/Frost Bankers Revenue by Segment
Cullen/Frost Bankers Revenue by Geographic Location
Revenue by Segment
Trust & Investment Fees Revenue
CapyFin.comService Charges on Deposits Revenue
CapyFin.comInsurance Commissions Revenue
CapyFin.comInterchange & Card Fees Revenue
CapyFin.comOther Charges & Fees Revenue
CapyFin.comOther Non-Interest Income Revenue
CapyFin.comRevenue by Geographic Location
Texas Revenue
CapyFin.com Forward Guidance
Cullen/Frost Bankers did not provide specific quantitative forward guidance for future quarters or the full fiscal year in this earnings report. The CEO's comments suggest a continued focus on organic growth and strategic initiatives.
Positive Outlook
- Continued steady loan growth is anticipated.
- Expectation of usual seasonal strength in deposit flows in the back half of the year.
- Ongoing focus on opening new locations to extend the Frost experience.
- Commitment to delivering top-quality digital banking tools and empathetic customer experience.
- Well-positioned to continue delivering above-market organic growth in any interest rate environment.
Challenges Ahead
- Forward-looking statements involve risks and uncertainties that may cause actual results to differ materially.
- Potential for adverse impacts from changes in financial markets.
- Risks associated with international relations and global supply chains.
- Uncertainty regarding the amount, duration, and ultimate impact of U.S. trade policies and practices, including tariffs.
- Prolonged uncertainty or elevated tariff levels could weaken economic conditions and adversely impact borrowers' ability to repay loans or the value of collateral.