Total Debt for Cullen/Frost Bankers (CFR)
According to Cullen/Frost Bankers's latest reported financial statements, the company's latest reported total debt is $4.77B USD. Total debt is the sum of short-term and long-term interest-bearing borrowings on the balance sheet (notes, bonds, term loans, lease liabilities). Useful for leverage and refinancing risk — combine with cash on hand for net debt, and see total liabilities for the broader obligations picture.
Headline figure above is from the reporting period ending (reported ). Chart and table below cover the full reported history back to .
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Latest period
$4.77B
YoY change
+3.9%
5Y CAGR
+15.2%
Peak year (2022)
$4.93B
Latest annual
$4.77B
Total Debt history chart for Cullen/Frost Bankers (CFR) from 1989 to 2025
Total Debt history table for Cullen/Frost Bankers (CFR) from 1989 to 2025
| Fiscal year | Period ended | Reported | Total Debt | YoY |
|---|---|---|---|---|
| 2025 | $4.77B | +3.9% | ||
| 2024 | $4.59B | +5.1% | ||
| 2023 | $4.36B | -11.6% | ||
| 2022 | $4.93B | +65.1% | ||
| 2021 | $2.99B | +27.1% | ||
| 2020 | $2.35B | +21.9% | ||
| 2019 | $1.93B | +20.5% | ||
| 2018 | $1.60B | +15.9% | ||
| 2017 | $1.38B | +14.0% | ||
| 2016 | $1.21B | +7.4% | ||
| 2015 | $1.13B | +8.6% | ||
| 2014 | $1.04B | +16.6% | ||
| 2013 | $891.97M | +13.7% | ||
| 2012 | $784.78M | -17.0% | ||
| 2011 | $945.94M | +11.4% | ||
| 2010 | $849.43M | -24.9% | ||
| 2009 | $1.13B | -22.8% | ||
| 2008 | $1.47B | +9.9% | ||
| 2007 | $1.33B | +3.1% | ||
| 2006 | $1.29B | +11.8% | ||
| 2005 | $1.16B | +30.8% | ||
| 2004 | $884.02M | +30.5% | ||
| 2003 | $677.65M | -37.4% | ||
| 2002 | $1.08B | +94.6% | ||
| 2001 | $556.16M | +20.5% | ||
| 2000 | $461.68M | +6.9% | ||
| 1999 | $431.97M | +6.9% | ||
| 1998 | $404.10M | +35.1% | ||
| 1997 | $299.20M | +71.9% | ||
| 1996 | $174.10M | +56.3% | ||
| 1995 | $111.40M | -69.9% | ||
| 1994 | $370.20M | +122.3% | ||
| 1993 | $166.50M | +22.8% | ||
| 1992 | $135.60M | +31.9% | ||
| 1991 | $102.80M | -34.5% | ||
| 1990 | $156.90M | -48.6% | ||
| 1989 | $305.20M | — |
Total Debt values are taken from Cullen/Frost Bankers's reported balance sheets (10-Q quarterly and 10-K annual filings with the U.S. Securities and Exchange Commission). Each row shows the period end date and the date the filing was reported; YoY compares each figure to the same period one year earlier. Amounts are in USD as filed.
Analysis
As of the 2025 fiscal year, Cullen/Frost Bankers (CFR) reported total debt of $4.77B – edged up 3.9% year-over-year.
Cullen/Frost Bankers total debt has recorded the values shown across consecutive periods, with a +15.2% compound annual growth rate over 2020–2025 (5 years).
Across the available history, total debt reached its high of $4.93B in 2022 and its low of $102.80M in 1991.
Cullen/Frost Bankers (CFR) sits 9th of 8 Financial Services peers we track on this metric, against a peer median of $395.81B.
Cullen/Frost Bankers Total Debt by Year
Cullen/Frost Bankers Total Debt 2025: $4.77B
Cullen/Frost Bankers total debt in 2025 was $4.77B, edged up 3.9% from 2024.
Cullen/Frost Bankers Total Debt 2024: $4.59B
Cullen/Frost Bankers total debt in 2024 was $4.59B, grew 5.1% from 2023.
Cullen/Frost Bankers Total Debt 2023: $4.36B
Cullen/Frost Bankers total debt in 2023 was $4.36B, declined 11.6% below 2022.
Cullen/Frost Bankers Total Debt 2022: $4.93B
Cullen/Frost Bankers total debt in 2022 was $4.93B, surged 65.1% from 2021. This figure represents the highest annual value in the available history.
Cullen/Frost Bankers Total Debt 2021: $2.99B
Cullen/Frost Bankers total debt in 2021 was $2.99B.
See more financial history for Cullen/Frost Bankers (CFR).
Sector peers — Total Debt
Companies in the same sector as Cullen/Frost Bankers, ranked by their latest total debt.
| Company | Total Debt | Sector |
|---|---|---|
| JPMorgan Chase & Co. (JPM) | $942.38B | Financial Services |
| The Goldman Sachs Group, Inc. (GS) | $609.53B | Financial Services |
| Morgan Stanley (MS) | $475.56B | Financial Services |
| Wells Fargo & Company (WFC) | $425.72B | Financial Services |
| Bank of America Corporation (BAC) | $365.90B | Financial Services |
| Berkshire Hathaway Inc. (BRK-B) | $138.95B | Financial Services |
| Visa Inc. (V) | $25.17B | Financial Services |
| Mastercard Incorporated (MA) | $19.00B | Financial Services |
Frequently asked questions
What is Cullen/Frost Bankers's total debt?
- Latest reported total debt for Cullen/Frost Bankers (CFR) is $4.77B (period ending December 31, 2025).
How has Cullen/Frost Bankers total debt changed year-over-year?
- Cullen/Frost Bankers (CFR) total debt changed +3.9% year-over-year on the latest annual filing.
What is the long-term growth rate of Cullen/Frost Bankers total debt?
- Cullen/Frost Bankers (CFR) total debt compound annual growth rate is +15.2% over the most recent 5 years available.
When did Cullen/Frost Bankers total debt hit its highest annual value?
- Cullen/Frost Bankers total debt reached its highest annual value of $4.93B in 2022.
What was Cullen/Frost Bankers total debt in 2024?
- Cullen/Frost Bankers (CFR) total debt in 2024 was $4.59B.
What was Cullen/Frost Bankers total debt in 2025?
- Cullen/Frost Bankers (CFR) total debt in 2025 was $4.77B.
Metrics overview
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