Cullen/Frost Bankers Inc Defensive Interval Ratio
Cullen/Frost Bankers Inc 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. See CFR current assets to equity ratio to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Defensive Interval Ratio of Cullen/Frost Bankers Inc (1989–2024)
Defensive interval ratio of Cullen/Frost Bankers Inc from 1989 to 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. Check CFR financial resilience to evaluate the company's liquid asset resilience ratio.
Cullen/Frost Bankers Inc Defensive Interval Ratio by Year (1989–2024)
Cullen/Frost Bankers Inc defensive interval ratio by year from 1989 to 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 the complete balance sheet picture, see Cullen/Frost Bankers Inc (CFR) total assets.
| 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 | $- | $- | — |