Cullen/Frost Bankers Inc - Asset Resilience Ratio

Latest as of September 2025: 20.34%

Cullen/Frost Bankers Inc (CFR) has an Asset Resilience Ratio of 20.34% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Check strategic asset allocation of Cullen/Frost Bankers Inc to assess the company's strategic physical and investment asset allocation.

Liquid Assets

$10.68 Billion

Cash + Short-term Investments

Total Assets

$52.53 Billion

All company assets

Resilience Assessment

Good

Financial Resilience Level

Asset Resilience Ratio Trend (2000–2024)

This chart shows how Cullen/Frost Bankers Inc's Asset Resilience Ratio has changed over time. See CFR net asset quality score to measure how much of total assets are equity-financed.

Liquid Assets Composition Over Time

This chart breaks down Cullen/Frost Bankers Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see Cullen/Frost Bankers Inc (CFR) total market value.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$10.68 Billion	20.34%
Total Liquid Assets	$10.68 Billion	20.34%

Asset Resilience Insights

Good Liquidity Position: Cullen/Frost Bankers Inc maintains a healthy 20.34% of assets in liquid form.
This level provides good financial flexibility while maintaining productive asset deployment.
The company has significant short-term investments, indicating active treasury management.

Cullen/Frost Bankers Inc Industry Peers by Asset Resilience Ratio

Compare Cullen/Frost Bankers Inc's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
BNP Paribas SA PA:BNP	Banks - Regional	17.67%
CIMB Group Holdings Bhd KLSE:1023	Banks - Regional	1.96%
Hua Xia Bank Co Ltd SHG:600015	Banks - Regional	4.86%
Grupo Security SN:SECURITY	Banks - Regional	0.15%
Bank Mestika Dharma Tbk JK:BBMD	Banks - Regional	-6.51%
Bank Multiarta Sentosa PT JK:MASB	Banks - Regional	1.29%
Bank Ochrony Środowiska SA WAR:BOS	Banks - Regional	8.84%
Bank Capital Indonesia Tbk JK:BACA	Banks - Regional	-22.83%

Annual Asset Resilience Ratio for Cullen/Frost Bankers Inc (2000–2024)

The table below shows the annual Asset Resilience Ratio data for Cullen/Frost Bankers Inc.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2024-12-31	28.64%	$15.04 Billion	$52.52 Billion	-3.96pp
2023-12-31	32.61%	$16.58 Billion	$50.85 Billion	-1.89pp
2022-12-31	34.49%	$18.24 Billion	$52.89 Billion	+6.01pp
2021-12-31	28.48%	$13.92 Billion	$48.90 Billion	+3.00pp
2020-12-31	25.48%	$10.44 Billion	$40.96 Billion	-8.35pp
2019-12-31	33.83%	$11.27 Billion	$33.31 Billion	-1.43pp
2018-12-31	35.26%	$11.39 Billion	$32.29 Billion	+2.22pp
2017-12-31	33.04%	$10.49 Billion	$31.75 Billion	-0.75pp
2016-12-31	33.79%	$10.20 Billion	$30.20 Billion	+1.56pp
2015-12-31	32.23%	$9.21 Billion	$28.57 Billion	+2.31pp
2014-12-31	29.92%	$8.46 Billion	$28.28 Billion	+5.67pp
2013-12-31	24.25%	$5.90 Billion	$24.31 Billion	-2.58pp
2012-12-31	26.83%	$6.20 Billion	$23.12 Billion	-11.51pp
2011-12-31	38.34%	$7.79 Billion	$20.32 Billion	+9.06pp
2010-12-31	29.28%	$5.16 Billion	$17.62 Billion	-0.71pp
2009-12-31	29.99%	$4.88 Billion	$16.29 Billion	+6.34pp
2008-12-31	23.64%	$3.55 Billion	$15.03 Billion	-1.62pp
2007-12-31	25.27%	$3.41 Billion	$13.49 Billion	+0.08pp
2006-12-31	25.19%	$3.33 Billion	$13.22 Billion	+16.33pp
2005-12-31	8.86%	$1.04 Billion	$11.74 Billion	-20.85pp
2004-12-31	29.71%	$2.96 Billion	$9.95 Billion	-0.69pp
2003-12-31	30.40%	$2.94 Billion	$9.67 Billion	+5.06pp
2002-12-31	25.35%	$2.42 Billion	$9.54 Billion	+23.72pp
2001-12-31	1.63%	$136.08 Million	$8.37 Billion	-1.23pp
2000-12-31	2.85%	$218.62 Million	$7.66 Billion	--

pp = percentage points

About Cullen/Frost Bankers Inc

NYSE:CFR USA Banks - Regional

Market Cap

$9.31 Billion

Market Cap Rank

#2642 Global

#943 in USA

Share Price

$145.55

Change (1 day)

-0.51%

52-Week Range

$119.85 - $148.00

All Time High

$148.00