Cullen/Frost Bankers Inc (CFR) — Defensive Interval Ratio
Cullen/Frost Bankers Inc (CFR) has a Defensive Interval Ratio of 83 days as of September 2025. Defensive assets of $10.68 Billion (cash $-, short-term investments $10.68 Billion, receivables $-) cover 83 days of daily cash needs of $129.08 Million/day. Check Cullen/Frost Bankers Inc (CFR) tangible equity ratio to evaluate the tangible quality of the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Cullen/Frost Bankers Inc Defensive Interval Ratio (1989–2024)
This chart shows how Cullen/Frost Bankers Inc's Defensive Interval Ratio has evolved across 35 annual periods from 1989 to 2024. As of September 2025, the ratio stands at 83 days, meaning defensive assets of $10.68 Billion can fund 83 days of operations without new revenue. Also explore CFR net assets growth trend to track the company's year-over-year net asset growth rate.
Annual Defensive Interval Ratio for Cullen/Frost Bankers Inc (1989–2024)
The table below presents the year-by-year Defensive Interval Ratio for Cullen/Frost Bankers Inc from 1989 to 2024, covering 35 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see CFR market cap.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2024 | 117 days | $15.04 Billion | $129.01 Million/day | $- | $15.04 Billion | ▼ -84 days |
| 2023 | 201 days | $16.58 Billion | $82.63 Million/day | $- | $16.58 Billion | ▼ -7941 days |
| 2022 | 8141 days | $19.32 Billion | $2.37 Million/day | $- | $18.24 Billion | ▲ +1107 days |
| 2021 | 7034 days | $14.54 Billion | $2.07 Million/day | $- | $13.92 Billion | ▲ +1524 days |
| 2020 | 5510 days | $11.02 Billion | $2.00 Million/day | $- | $10.44 Billion | ▼ -2323 days |
| 2019 | 7833 days | $11.71 Billion | $1.50 Million/day | $- | $11.27 Billion | ▼ -17253 days |
| 2018 | 25086 days | $11.85 Billion | $472.18K/day | $- | $11.39 Billion | ▲ +4709 days |
| 2017 | 20377 days | $10.89 Billion | $534.43K/day | $- | $10.49 Billion | ▼ -2502 days |
| 2016 | 22879 days | $10.60 Billion | $463.31K/day | $- | $10.20 Billion | ▲ +5673 days |
| 2015 | 17206 days | $9.55 Billion | $554.91K/day | $- | $9.21 Billion | ▲ +4364 days |
| 2014 | 12841 days | $8.80 Billion | $685.50K/day | $- | $8.46 Billion | ▲ +12737 days |
| 2013 | 105 days | $6.18 Billion | $59.11 Million/day | $- | $5.90 Billion | ▼ -11 days |
| 2012 | 116 days | $6.50 Billion | $56.12 Million/day | $- | $6.20 Billion | ▼ -51 days |
| 2011 | 167 days | $8.15 Billion | $48.79 Million/day | $- | $7.79 Billion | ▲ +34 days |
| 2010 | 133 days | $5.52 Billion | $41.59 Million/day | $- | $5.16 Billion | ▼ -3 days |
| 2009 | 136 days | $5.31 Billion | $39.06 Million/day | $- | $4.88 Billion | ▲ +22 days |
| 2008 | 114 days | $4.10 Billion | $35.99 Million/day | $- | $3.55 Billion | ▼ -2 days |
| 2007 | 116 days | $3.70 Billion | $31.80 Million/day | $- | $3.41 Billion | ▲ +2 days |
| 2006 | 115 days | $3.59 Billion | $31.28 Million/day | $- | $3.33 Billion | ▲ +68 days |
| 2005 | 46 days | $1.32 Billion | $28.34 Million/day | $- | $1.04 Billion | ▼ -85 days |
| 2004 | 132 days | $3.16 Billion | $23.98 Million/day | $- | $2.96 Billion | ▲ +0 days |
| 2003 | 131 days | $3.11 Billion | $23.69 Million/day | $- | $2.94 Billion | ▲ +20 days |
| 2002 | 111 days | $2.60 Billion | $23.45 Million/day | $- | $2.42 Billion | ▲ +81 days |
| 2001 | 30 days | $623.77 Million | $20.61 Million/day | $- | $136.08 Million | ▲ +2 days |
| 2000 | 29 days | $550.16 Million | $19.15 Million/day | $- | $218.62 Million | ▲ +11 days |
| 1999 | 18 days | $313.30 Million | $17.50 Million/day | $- | $- | ▲ +3 days |
| 1998 | 15 days | $259.80 Million | $17.15 Million/day | $- | $- | ▼ -1 days |
| 1997 | 17 days | $249.00 Million | $15.03 Million/day | $- | $- | ▲ +3 days |
| 1996 | 14 days | $169.60 Million | $12.35 Million/day | $- | $- | ▼ -1 days |
| 1995 | 15 days | $155.00 Million | $10.57 Million/day | $- | $- | ▲ +2 days |
| 1994 | 13 days | $125.40 Million | $9.58 Million/day | $- | $- | ▲ +1 days |
| 1992 | 12 days | $96.10 Million | $8.03 Million/day | $- | $- | ▼ -4 days |
| 1991 | 16 days | $123.00 Million | $7.91 Million/day | $- | $- | ▼ 0 days |
| 1990 | 16 days | $133.70 Million | $8.40 Million/day | $- | $- | ▲ +2 days |
| 1989 | 14 days | $126.30 Million | $9.06 Million/day | $- | $- | — |