Cullen/Frost Bankers Inc (CFR) — Tangible Net Worth Ratio
Cullen/Frost Bankers Inc (CFR) has a Tangible Net Worth Ratio of 100.0% as of September 2025. This metric is calculated by deducting intangible assets ($0.00) from net assets ($4.46 Billion) and expressing it as a percentage of total net assets. A higher ratio means that more of the company's equity is backed by tangible, balance-sheet-verifiable assets rather than goodwill, patents, or brand value. See Cullen/Frost Bankers Inc (CFR) working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Tangible NW Ratio
Net Assets (Equity)
Intangible Assets
Total Assets
Cullen/Frost Bankers Inc Tangible Net Worth Ratio (1989–2024)
This chart shows how Cullen/Frost Bankers Inc's Tangible Net Worth Ratio has changed across 36 annual periods from 1989 to 2024. As of September 2025, the ratio stands at 100.0%, reflecting net assets of $4.46 Billion with intangible assets of $0.00 USD. See Cullen/Frost Bankers Inc defensive liquidity buffer to measure how many days the company can operate on defensive assets alone.
Annual Tangible Net Worth Ratio for Cullen/Frost Bankers Inc (1989–2024)
The table below presents the year-by-year Tangible Net Worth Ratio for Cullen/Frost Bankers Inc from 1989 to 2024, covering 36 annual filings. Each row shows net assets, intangible assets, total assets, the tangible net worth ratio, and the change in percentage points versus the prior year. For the full company profile including market capitalisation, see market value of Cullen/Frost Bankers Inc.
| Year | Tangible NW Ratio | Net Assets (USD) | Intangible Assets | Total Assets | Change (pp) |
|---|---|---|---|---|---|
| 2024 | 100.0% | $3.90 Billion | $0.00 | $52.52 Billion | ▲ +0.0 pp |
| 2023 | 100.0% | $3.72 Billion | $0.00 | $50.85 Billion | ▲ +0.0 pp |
| 2022 | 100.0% | $3.14 Billion | $386.00K | $52.89 Billion | ▲ +0.0 pp |
| 2021 | 100.0% | $4.44 Billion | $866.00K | $48.90 Billion | ▲ +0.0 pp |
| 2020 | 100.0% | $4.29 Billion | $1.56 Million | $40.96 Billion | ▲ +0.0 pp |
| 2019 | 99.9% | $3.91 Billion | $2.48 Million | $33.31 Billion | ▲ +0.0 pp |
| 2018 | 99.9% | $3.37 Billion | $3.65 Million | $32.29 Billion | ▲ +0.0 pp |
| 2017 | 99.8% | $3.30 Billion | $5.07 Million | $31.75 Billion | ▲ +0.1 pp |
| 2016 | 99.8% | $3.00 Billion | $6.78 Million | $30.20 Billion | ▲ +0.1 pp |
| 2015 | 99.7% | $2.89 Billion | $8.80 Million | $28.57 Billion | ▲ +0.1 pp |
| 2014 | 99.6% | $2.85 Billion | $12.12 Million | $28.28 Billion | ▼ -0.2 pp |
| 2013 | 99.7% | $2.51 Billion | $6.34 Million | $24.31 Billion | ▲ +0.1 pp |
| 2012 | 99.7% | $2.42 Billion | $8.15 Million | $23.12 Billion | ▲ +0.1 pp |
| 2011 | 99.5% | $2.28 Billion | $10.60 Million | $20.32 Billion | ▲ +0.2 pp |
| 2010 | 99.3% | $2.06 Billion | $14.34 Million | $17.62 Billion | ▲ +0.3 pp |
| 2009 | 99.0% | $1.89 Billion | $19.46 Million | $16.29 Billion | ▲ +0.3 pp |
| 2008 | 98.6% | $1.76 Billion | $24.27 Million | $15.03 Billion | ▲ +18.3 pp |
| 2007 | 80.4% | $1.48 Billion | $290.21 Million | $13.49 Billion | ▼ -0.9 pp |
| 2006 | 81.3% | $1.38 Billion | $257.98 Million | $13.22 Billion | ▲ +9.4 pp |
| 2005 | 71.9% | $982.24 Million | $276.40 Million | $11.74 Billion | ▼ -3.9 pp |
| 2004 | 75.8% | $822.39 Million | $199.37 Million | $9.95 Billion | ▼ -2.7 pp |
| 2003 | 78.5% | $770.00 Million | $165.78 Million | $9.67 Billion | ▲ +4.4 pp |
| 2002 | 74.1% | $703.79 Million | $182.44 Million | $9.54 Billion | ▲ +56.1 pp |
| 2001 | 18.0% | $594.92 Million | $487.69 Million | $8.37 Billion | ▼ -58.8 pp |
| 2000 | 76.8% | $573.03 Million | $133.00 Million | $7.66 Billion | ▼ -23.2 pp |
| 1999 | 100.0% | $509.31 Million | $0.00 | $7.00 Billion | ▲ +0.0 pp |
| 1998 | 100.0% | $512.90 Million | $0.00 | $6.87 Billion | ▲ +0.0 pp |
| 1997 | 100.0% | $462.90 Million | $0.00 | $6.05 Billion | ▲ +0.0 pp |
| 1996 | 100.0% | $378.90 Million | $0.00 | $4.89 Billion | ▲ +0.0 pp |
| 1995 | 100.0% | $341.50 Million | $0.00 | $4.20 Billion | ▲ +0.0 pp |
| 1994 | 100.0% | $295.40 Million | $0.00 | $3.79 Billion | ▲ +0.0 pp |
| 1993 | 100.0% | $273.50 Million | $0.00 | $3.64 Billion | ▲ +0.0 pp |
| 1992 | 100.0% | $206.10 Million | $0.00 | $3.15 Billion | ▲ +0.0 pp |
| 1991 | 100.0% | $176.20 Million | $0.00 | $3.08 Billion | ▲ +0.0 pp |
| 1990 | 100.0% | $173.40 Million | $0.00 | $3.25 Billion | ▲ +0.0 pp |
| 1989 | 100.0% | $179.30 Million | $0.00 | $3.50 Billion | — |