Cullen/Frost Bankers (CFR) demonstrated solid performance in Q4 2025, driven by its organic expansion strategy in Texas markets. The company maintained a strong capital position with a Common Equity Tier 1 ratio of 14.06% and reported total assets of $53 billion. Loan growth was supported by a 19.1% contribution from the consumer segment, while the energy portfolio remained well-managed. The bank continues to benefit from a high-quality deposit base and a conservative risk culture, evidenced by low non-accrual loan levels.