Cullen/Frost Bankers Inc (CFR) — Net Asset Quality Index
Cullen/Frost Bankers Inc (CFR) has a Net Asset Quality Index of 8.5% as of September 2025. This metric measures the proportion of total assets financed by shareholders' equity — total assets of $52.53 Billion minus total liabilities of $48.07 Billion yields net assets of $4.46 Billion. A higher index indicates a stronger, lower-leverage balance sheet. Check how resilient are Cullen/Frost Bankers Inc's assets to evaluate the company's liquid asset resilience ratio.
Quality Index
Net Assets
Total Assets
Total Liabilities
Cullen/Frost Bankers Inc Net Asset Quality Index Over Time (1989–2024)
This chart shows how Cullen/Frost Bankers Inc's Net Asset Quality Index has evolved across 36 annual periods from 1989 to 2024. As of September 2025, the index stands at 8.5%, representing net assets of $4.46 Billion against total assets of $52.53 Billion USD. See Cullen/Frost Bankers Inc (CFR) liquidity to equity ratio to evaluate short-term liquidity relative to the company's equity base.
Annual Net Asset Quality Index for Cullen/Frost Bankers Inc (1989–2024)
The table below presents the year-by-year Net Asset Quality Index for Cullen/Frost Bankers Inc from 1989 to 2024, covering 36 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. For market capitalisation and the full company profile, see Cullen/Frost Bankers Inc market cap and net worth.
| Year | Quality Index | Net Assets (USD) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2024 | 7.4% | $3.90 Billion | $52.52 Billion | $48.62 Billion | ▲ +0.1 pp |
| 2023 | 7.3% | $3.72 Billion | $50.85 Billion | $47.13 Billion | ▲ +1.4 pp |
| 2022 | 5.9% | $3.14 Billion | $52.89 Billion | $49.76 Billion | ▼ -3.1 pp |
| 2021 | 9.1% | $4.44 Billion | $48.90 Billion | $44.46 Billion | ▼ -1.4 pp |
| 2020 | 10.5% | $4.29 Billion | $40.96 Billion | $36.67 Billion | ▼ -1.3 pp |
| 2019 | 11.7% | $3.91 Billion | $33.31 Billion | $29.40 Billion | ▲ +1.3 pp |
| 2018 | 10.4% | $3.37 Billion | $32.29 Billion | $28.92 Billion | ▲ +0.0 pp |
| 2017 | 10.4% | $3.30 Billion | $31.75 Billion | $28.45 Billion | ▲ +0.4 pp |
| 2016 | 9.9% | $3.00 Billion | $30.20 Billion | $27.19 Billion | ▼ -0.2 pp |
| 2015 | 10.1% | $2.89 Billion | $28.57 Billion | $25.68 Billion | ▲ +0.0 pp |
| 2014 | 10.1% | $2.85 Billion | $28.28 Billion | $25.43 Billion | ▼ -0.3 pp |
| 2013 | 10.3% | $2.51 Billion | $24.31 Billion | $21.80 Billion | ▼ -0.1 pp |
| 2012 | 10.5% | $2.42 Billion | $23.12 Billion | $20.71 Billion | ▼ -0.8 pp |
| 2011 | 11.2% | $2.28 Billion | $20.32 Billion | $18.03 Billion | ▼ -0.5 pp |
| 2010 | 11.7% | $2.06 Billion | $17.62 Billion | $15.56 Billion | ▲ +0.1 pp |
| 2009 | 11.6% | $1.89 Billion | $16.29 Billion | $14.39 Billion | ▼ -0.1 pp |
| 2008 | 11.7% | $1.76 Billion | $15.03 Billion | $13.27 Billion | ▲ +0.8 pp |
| 2007 | 11.0% | $1.48 Billion | $13.49 Billion | $12.01 Billion | ▲ +0.5 pp |
| 2006 | 10.4% | $1.38 Billion | $13.22 Billion | $11.85 Billion | ▲ +2.0 pp |
| 2005 | 8.4% | $982.24 Million | $11.74 Billion | $10.76 Billion | ▲ +0.1 pp |
| 2004 | 8.3% | $822.39 Million | $9.95 Billion | $9.13 Billion | ▲ +0.3 pp |
| 2003 | 8.0% | $770.00 Million | $9.67 Billion | $8.90 Billion | ▲ +0.6 pp |
| 2002 | 7.4% | $703.79 Million | $9.54 Billion | $8.83 Billion | ▲ +0.3 pp |
| 2001 | 7.1% | $594.92 Million | $8.37 Billion | $7.77 Billion | ▼ -0.4 pp |
| 2000 | 7.5% | $573.03 Million | $7.66 Billion | $7.09 Billion | ▲ +0.2 pp |
| 1999 | 7.3% | $509.31 Million | $7.00 Billion | $6.49 Billion | ▼ -0.2 pp |
| 1998 | 7.5% | $512.90 Million | $6.87 Billion | $6.36 Billion | ▼ -0.2 pp |
| 1997 | 7.7% | $462.90 Million | $6.05 Billion | $5.58 Billion | ▼ -0.1 pp |
| 1996 | 7.8% | $378.90 Million | $4.89 Billion | $4.51 Billion | ▼ -0.4 pp |
| 1995 | 8.1% | $341.50 Million | $4.20 Billion | $3.86 Billion | ▲ +0.3 pp |
| 1994 | 7.8% | $295.40 Million | $3.79 Billion | $3.50 Billion | ▲ +0.3 pp |
| 1993 | 7.5% | $273.50 Million | $3.64 Billion | $3.37 Billion | ▲ +1.0 pp |
| 1992 | 6.5% | $206.10 Million | $3.15 Billion | $2.94 Billion | ▲ +0.8 pp |
| 1991 | 5.7% | $176.20 Million | $3.08 Billion | $2.90 Billion | ▲ +0.4 pp |
| 1990 | 5.3% | $173.40 Million | $3.25 Billion | $3.08 Billion | ▲ +0.2 pp |
| 1989 | 5.1% | $179.30 Million | $3.50 Billion | $3.33 Billion | — |