CULLEN/FROST BANKERS, INC.
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| Metric | Q1 2026 | Q1 2025 | YoY |
|---|---|---|---|
| Interest And Fee Income Loans And Leases | 336,285 | 334,608 | +0.5% |
| Interest Income Securities Taxable | 115,199 | 116,256 | -0.9% |
| Interest Income Securities Tax Exempt | 64,898 | 54,607 | +18.8% |
| Interest Income Deposits With Financial Institutions | 61,456 | 79,495 | -22.7% |
| Interest Income Federal Funds Sold | 44 | 40 | +10.0% |
| Interest Income Securities Purchased Under Agreements To Resell | 85 | 111 | -23.4% |
| Interest And Dividend Income Operating | 577,967 | 585,117 | -1.2% |
Show Business Segments breakouts |
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| Bank | 576,332 | 583,241 | -1.2% |
| Frost Wealth Advisors [Member] | 1,635 | 1,876 | -12.8% |
| Interest Expense Deposits | 108,243 | 133,168 | -18.7% |
| Interest Expense Federal Funds Purchased | 219 | 201 | +9.0% |
| Interest Expense Securities Sold Under Agreements To Repurchase | 28,084 | 32,419 | -13.4% |
| Interest Expense Junior Subordinated Debentures | 1,735 | 1,945 | -10.8% |
| Interest Expense Subordinated Notes And Debentures | 1,164 | 1,164 | 0.0% |
| Interest Expense | 139,445 | 168,897 | -17.4% |
Show Business Segments breakouts |
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| Bank | 136,462 | 165,700 | -17.6% |
| Frost Wealth Advisors [Member] | 84 | 89 | -5.6% |
| Non-Banks [Member] | 2,899 | 3,108 | -6.7% |
| Interest Income Expense Net | 438,522 | 416,220 | +5.4% |
Show Business Segments breakouts |
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| Bank | 439,870 | 417,541 | +5.3% |
| Frost Wealth Advisors [Member] | 1,551 | 1,787 | -13.2% |
| Non-Banks [Member] | -2,899 | -3,108 | +6.7% |
| Provision For Loan Lease And Other Losses | 6,745 | 13,070 | -48.4% |
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| Bank | 6,745 | 13,070 | -48.4% |
| Interest Income Expense After Provision For Loan Loss | 431,777 | 403,150 | +7.1% |
Show Business Segments breakouts |
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| Bank | 433,125 | 404,471 | +7.1% |
| Frost Wealth Advisors [Member] | 1,551 | 1,787 | -13.2% |
| Non-Banks [Member] | -2,899 | -3,108 | +6.7% |
| Trustandinvestmentmanagementfees | 47,957 | 42,931 | +11.7% |
Show Business Segments breakouts |
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| Frost Wealth Advisors [Member] | 48,132 | 43,544 | +10.5% |
| Non-Banks [Member] | -175 | -613 | +71.5% |
| Revenue | 32,157 | 28,621 | +12.4% |
Show Business Segments breakouts |
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| Bank | 32,152 | 28,618 | +12.3% |
| Frost Wealth Advisors [Member] | 5 | 3 | +66.7% |
| Insurance Commissions And Fees | 22,075 | 21,019 | +5.0% |
Show Business Segments breakouts |
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| Bank | 22,075 | 21,019 | +5.0% |
| Interchange And Card Transaction Fees | 6,532 | 5,402 | +20.9% |
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| Bank | 6,532 | 5,402 | +20.9% |
| Otherchargescommissionsandfees | 13,268 | 13,586 | -2.3% |
Show Business Segments breakouts |
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| Bank | 7,239 | 7,406 | -2.3% |
| Frost Wealth Advisors [Member] | 6,029 | 6,180 | -2.4% |
| Noninterest Income Other Operating Income | 14,326 | 12,466 | +14.9% |
Show Business Segments breakouts |
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| Bank | 13,012 | 11,385 | +14.3% |
| Frost Wealth Advisors [Member] | 1,273 | 1,023 | +24.4% |
| Non-Banks [Member] | 41 | 58 | -29.3% |
| Noninterest Income | 136,315 | 124,011 | +9.9% |
Show Business Segments breakouts |
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| Bank | 81,010 | 73,816 | +9.7% |
| Frost Wealth Advisors [Member] | 55,439 | 50,750 | +9.2% |
| Non-Banks [Member] | -134 | -555 | +75.9% |
| Labor And Related Expense | 166,190 | 160,857 | +3.3% |
Show Business Segments breakouts |
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| Bank | 145,830 | 141,092 | +3.4% |
| Frost Wealth Advisors [Member] | 19,938 | 19,369 | +2.9% |
| Non-Banks [Member] | 422 | 396 | +6.6% |
| Employee Benefits And Share Based Compensation | 44,656 | 42,157 | +5.9% |
Show Business Segments breakouts |
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| Bank | 39,692 | 37,338 | +6.3% |
| Frost Wealth Advisors [Member] | 4,938 | 4,794 | +3.0% |
| Non-Banks [Member] | 26 | 25 | +4.0% |
| Occupancy Net | 34,753 | 33,277 | +4.4% |
Show Business Segments breakouts |
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| Bank | 30,782 | 29,736 | +3.5% |
| Frost Wealth Advisors [Member] | 3,971 | 3,541 | +12.1% |
| Equipment Expense | 41,674 | 40,118 | +3.9% |
Show Business Segments breakouts |
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| Bank | 40,092 | 38,557 | +4.0% |
| Frost Wealth Advisors [Member] | 1,532 | 1,508 | +1.6% |
| Non-Banks [Member] | 50 | 53 | -5.7% |
| Federal Deposit Insurance Corporation Premium Expense | 7,203 | 7,184 | +0.3% |
Show Business Segments breakouts |
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| Bank | 7,192 | 7,171 | +0.3% |
| Frost Wealth Advisors [Member] | 11 | 13 | -15.4% |
| Other Noninterest Expense | 71,210 | 64,473 | +10.4% |
Show Business Segments breakouts |
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| Bank | 56,526 | 50,828 | +11.2% |
| Frost Wealth Advisors [Member] | 13,814 | 12,640 | +9.3% |
| Non-Banks [Member] | 870 | 1,005 | -13.4% |
| Noninterest Expense | 365,686 | 348,066 | +5.1% |
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| Bank | 320,114 | 304,722 | +5.1% |
| Frost Wealth Advisors [Member] | 44,204 | 41,865 | +5.6% |
| Non-Banks [Member] | 1,368 | 1,479 | -7.5% |
| Income Before Taxes | 202,406 | 179,095 | +13.0% |
Show Business Segments breakouts |
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| Bank | 194,021 | 173,565 | +11.8% |
| Frost Wealth Advisors [Member] | 12,786 | 10,672 | +19.8% |
| Non-Banks [Member] | -4,401 | -5,142 | +14.4% |
| Income Tax Expense (Benefit) | 31,419 | 28,173 | +11.5% |
Show Business Segments breakouts |
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| Bank | 30,123 | 27,526 | +9.4% |
| Frost Wealth Advisors [Member] | 2,685 | 2,241 | +19.8% |
| Non-Banks [Member] | -1,389 | -1,594 | +12.9% |
| Net Income | 170,987 | 150,922 | +13.3% |
Show Business Segments breakouts |
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| Bank | 163,898 | 146,039 | +12.2% |
| Frost Wealth Advisors [Member] | 10,101 | 8,431 | +19.8% |
| Non-Banks [Member] | -3,012 | -3,548 | +15.1% |
Show Equity Components breakouts |
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| Retained Earnings | 170,987 | 150,922 | +13.3% |
| Preferred Stock Dividends And Other Adjustments | 1,669 | 1,669 | 0.0% |
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| Non-Banks [Member] | 1,669 | 1,669 | 0.0% |
| Net Income Loss Available To Common Stockholders Basic | 169,318 | 149,253 | +13.4% |
Show Business Segments breakouts |
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| Bank | 163,898 | 146,039 | +12.2% |
| Frost Wealth Advisors [Member] | 10,101 | 8,431 | +19.8% |
| Non-Banks [Member] | -4,681 | -5,217 | +10.3% |
| EPS (Basic) | 2.65 | 2.3 | +15.2% |
| EPS (Diluted) | 2.65 | 2.3 | +15.2% |
| Revenue | 574,837 | 540,231 | +6.4% |
Show Business Segments breakouts |
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| Bank | 520,880 | 491,357 | +6.0% |
| Frost Wealth Advisors [Member] | 56,990 | 52,537 | +8.5% |
| Non-Banks [Member] | -3,033 | -3,663 | +17.2% |
| Comprehensive Income | 90,427 | 273,715 | -67.0% |
| Wtd Avg Shares (Basic) | 63,101,492 | 64,255,246 | -1.8% |
| Wtd Avg Shares (Diluted) | 63,101,492 | 64,329,044 | -1.9% |
Balance Sheet
| Metric | Q1 2026 | Q1 2025 | YoY |
|---|---|---|---|
| Non-Current Assets | |||
| Property, Plant & Equipment | 1,332,450 | 1,272,564 | +4.7% |
| Total Assets | 52,724,557 | 52,004,742 | +1.4% |
| Operating Lease Right-of-Use Assets | 257.3 | — | — |
| Other Assets | |||
| Cash And Due From Banks | 638,785 | 759,062 | -15.8% |
| Interest Bearing Deposits In Banks | 6,502,951 | 7,084,646 | -8.2% |
| Federal Funds Sold | 2,675 | 50 | +5250.0% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 7,144,411 | 7,853,408 | -9.0% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level2 · Carrying Reported Amount Fair Value Disclosure | 7,144,411 | 7,853,408 | -9.0% |
| Fair Value Inputs Level2 · Estimate Of Fair Value Fair Value Disclosure | 7,144,411 | 7,853,408 | -9.0% |
| Debt Securities Held To Maturity Amortized Cost After Allowance For Credit Loss | 3,405,500 | 3,511,156 | -3.0% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level2 · Carrying Reported Amount Fair Value Disclosure | 3,405,500 | 3,511,156 | -3.0% |
| Fair Value Inputs Level2 · Estimate Of Fair Value Fair Value Disclosure | 3,217,467 | 3,297,250 | -2.4% |
Show Financial Instrument breakouts |
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| Other Investments | 1,500 | 1,500 | 0.0% |
| Residential Mortgage Backed Securities | 1,097,711 | 1,180,113 | -7.0% |
| US States And Political Subdivisions | 2,306,289 | 2,329,543 | -1.0% |
| Available For Sale Securities Debt Securities | 16,790,606 | 16,864,472 | -0.4% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level1 · US Treasury Securities | 3,291,554 | 3,491,195 | -5.7% |
| Fair Value Inputs Level2 · Other Investments | 42,501 | 43,273 | -1.8% |
| Fair Value Inputs Level2 · Residential Mortgage Backed Securities | 8,280,231 | 8,690,947 | -4.7% |
| Fair Value Inputs Level2 · US States And Political Subdivisions | 5,176,320 | 4,639,057 | +11.6% |
Show Financial Instrument breakouts |
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| Other Investments | 42,501 | 43,273 | -1.8% |
| Residential Mortgage Backed Securities | 8,280,231 | 8,690,947 | -4.7% |
| US States And Political Subdivisions | 5,176,320 | 4,639,057 | +11.6% |
| US Treasury Securities | 3,291,554 | 3,491,195 | -5.7% |
Show Fair Value By Asset Class breakouts |
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| Other Investments | 42,501 | 43,273 | -1.8% |
| Residential Mortgage Backed Securities | 8,280,231 | 8,690,947 | -4.7% |
| US States And Political Subdivisions | 5,176,320 | 4,639,057 | +11.6% |
| US Treasury Securities | 3,291,554 | 3,491,195 | -5.7% |
| Trading Securities | 37,645 | 34,662 | +8.6% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level1 · US Treasury Securities | 37,366 | 34,452 | +8.5% |
| Fair Value Inputs Level2 · US States And Political Subdivisions | 279 | 210 | +32.9% |
Show Financial Instrument breakouts |
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| US States And Political Subdivisions | 279 | 210 | +32.9% |
| US Treasury Securities | 37,366 | 34,452 | +8.5% |
Show Fair Value By Asset Class breakouts |
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| US States And Political Subdivisions | 279 | 210 | +32.9% |
| US Treasury Securities | 37,366 | 34,452 | +8.5% |
| Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss | 22,432,419 | 20,903,920 | +7.3% |
Show Product Lines breakouts |
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| Loans Individually Evaluated for Impairment [Member] | 67,930 | 80,938 | -16.1% |
| Loans Individually Evaluated for Impairment [Member] · Commercial and Industrial Total Energy Loans [Member] | 2,523 | 4,035 | -37.5% |
| Loans Individually Evaluated for Impairment [Member] · Commercial Portfolio Segment | 42,236 | 47,860 | -11.8% |
| Loans Individually Evaluated for Impairment [Member] · Commercial Real Estate Non-Owner Occupied | 440 | — | — |
| Loans Individually Evaluated for Impairment [Member] · Commercial Real Estate Owner Occupied | 13,297 | — | — |
| Loans Individually Evaluated for Impairment [Member] · Construction Loans | 2,209 | 1,946 | +13.5% |
| Loans Individually Evaluated for Impairment [Member] · Consumer Loan | 81 | 337 | -76.0% |
| Loans Individually Evaluated for Impairment [Member] · Total consumer real estate loans [Member] | 7,144 | 6,104 | +17.0% |
Show Consumer Loans Year of Origination [Axis] breakouts |
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| 2022 [Member] · Consumer Loan | 4,103 | 7,994 | -48.7% |
| 2022 [Member] · Consumer Loan | 43 | 177 | -75.7% |
| 2022 [Member] · Consumer Loan | 4,011 | 7,674 | -47.7% |
| 2022 [Member] · Consumer Loan | 92 | 320 | -71.2% |
| 2022 [Member] · Consumer Loan | 49 | 143 | -65.7% |
| 2022 [Member] · Total consumer real estate loans [Member] | 327,659 | 379,745 | -13.7% |
| 2022 [Member] · Total consumer real estate loans [Member] | 2,434 | 2,225 | +9.4% |
| 2022 [Member] · Total consumer real estate loans [Member] | 324,128 | 377,051 | -14.0% |
| 2022 [Member] · Total consumer real estate loans [Member] | 3,531 | 2,694 | +31.1% |
| 2022 [Member] · Total consumer real estate loans [Member] | 1,097 | 469 | +133.9% |
| 2023 [Member] · Consumer Loan | 7,916 | 23,324 | -66.1% |
| 2023 [Member] · Consumer Loan | 186 | 1,053 | -82.3% |
| 2023 [Member] · Consumer Loan | 7,730 | 22,265 | -65.3% |
| 2023 [Member] · Consumer Loan | 186 | 1,059 | -82.4% |
| 2023 [Member] · Total consumer real estate loans [Member] | 443,792 | 529,971 | -16.3% |
| 2023 [Member] · Total consumer real estate loans [Member] | 4,661 | 1,821 | +156.0% |
| 2023 [Member] · Total consumer real estate loans [Member] | 437,435 | 527,716 | -17.1% |
| 2023 [Member] · Total consumer real estate loans [Member] | 6,357 | 2,255 | +181.9% |
| 2023 [Member] · Total consumer real estate loans [Member] | 1,696 | 434 | +290.8% |
| 2024 [Member] · Consumer Loan | 14,188 | 31,324 | -54.7% |
| 2024 [Member] · Consumer Loan | 192 | 291 | -34.0% |
| 2024 [Member] · Consumer Loan | 13,996 | 30,980 | -54.8% |
| 2024 [Member] · Consumer Loan | 192 | 344 | -44.2% |
| 2024 [Member] · Total consumer real estate loans [Member] | 607,483 | 693,470 | -12.4% |
| 2024 [Member] · Total consumer real estate loans [Member] | 4,168 | 426 | +878.4% |
| 2024 [Member] · Total consumer real estate loans [Member] | 603,237 | 692,889 | -12.9% |
| 2024 [Member] · Total consumer real estate loans [Member] | 4,246 | 581 | +630.8% |
| 2024 [Member] · Total consumer real estate loans [Member] | 78 | 155 | -49.7% |
| 2025 [Member] · Consumer Loan | 46,644 | 26,720 | +74.6% |
| 2025 [Member] · Consumer Loan | 400 | 2,776 | -85.6% |
| 2025 [Member] · Consumer Loan | 46,230 | 23,685 | +95.2% |
| 2025 [Member] · Consumer Loan | 414 | 3,035 | -86.4% |
| 2025 [Member] · Consumer Loan | 14 | 259 | -94.6% |
| 2025 [Member] · Total consumer real estate loans [Member] | 737,714 | 124,072 | +494.6% |
| 2025 [Member] · Total consumer real estate loans [Member] | 736,550 | 124,072 | +493.6% |
| 2025 [Member] · Total consumer real estate loans [Member] | 1,164 | — | — |
| 2025 [Member] · Total consumer real estate loans [Member] | 1,164 | — | — |
| 2026 [Member] · Consumer Loan | 2,877 | — | — |
| 2026 [Member] · Consumer Loan | 158 | — | — |
| 2026 [Member] · Consumer Loan | 3,035 | — | — |
| 2026 [Member] · Consumer Loan | 24,689 | — | — |
| 2026 [Member] · Consumer Loan | 27,724 | — | — |
| 2026 [Member] · Total consumer real estate loans [Member] | 750 | — | — |
| 2026 [Member] · Total consumer real estate loans [Member] | 750 | — | — |
| 2026 [Member] · Total consumer real estate loans [Member] | 205,061 | — | — |
| 2026 [Member] · Total consumer real estate loans [Member] | 205,811 | — | — |
| Prior Years [Member] · Consumer Loan | 3,100 | 2,660 | +16.5% |
| Prior Years [Member] · Consumer Loan | 101 | 79 | +27.8% |
| Prior Years [Member] · Consumer Loan | 2,999 | 2,581 | +16.2% |
| Prior Years [Member] · Consumer Loan | 101 | 79 | +27.8% |
| Prior Years [Member] · Total consumer real estate loans [Member] | 453,587 | 294,266 | +54.1% |
| Prior Years [Member] · Total consumer real estate loans [Member] | 4,726 | 3,350 | +41.1% |
| Prior Years [Member] · Total consumer real estate loans [Member] | 445,927 | 287,806 | +54.9% |
| Prior Years [Member] · Total consumer real estate loans [Member] | 7,660 | 6,460 | +18.6% |
| Prior Years [Member] · Total consumer real estate loans [Member] | 2,934 | 3,110 | -5.7% |
Show Credit Facility breakouts |
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| Revolving Credit Facility · Consumer Loan | 326,246 | 304,790 | +7.0% |
| Revolving Credit Facility · Consumer Loan | 2,230 | 1,486 | +50.1% |
| Revolving Credit Facility · Consumer Loan | 323,848 | 303,008 | +6.9% |
| Revolving Credit Facility · Consumer Loan | 2,398 | 1,782 | +34.6% |
| Revolving Credit Facility · Consumer Loan | 168 | 296 | -43.2% |
| Revolving Credit Facility · Total consumer real estate loans [Member] | 1,090,758 | 927,400 | +17.6% |
| Revolving Credit Facility · Total consumer real estate loans [Member] | 10,472 | 9,322 | +12.3% |
| Revolving Credit Facility · Total consumer real estate loans [Member] | 1,076,104 | 917,172 | +17.3% |
| Revolving Credit Facility · Total consumer real estate loans [Member] | 14,654 | 10,228 | +43.3% |
| Revolving Credit Facility · Total consumer real estate loans [Member] | 4,182 | 906 | +361.6% |
| Revolving Loans Converted to Term [Member] · Consumer Loan | 23,182 | 25,747 | -10.0% |
| Revolving Loans Converted to Term [Member] · Consumer Loan | 585 | 1,005 | -41.8% |
| Revolving Loans Converted to Term [Member] · Consumer Loan | 22,418 | 24,561 | -8.7% |
| Revolving Loans Converted to Term [Member] · Consumer Loan | 764 | 1,186 | -35.6% |
| Revolving Loans Converted to Term [Member] · Consumer Loan | 179 | 181 | -1.1% |
| Revolving Loans Converted to Term [Member] · Total consumer real estate loans [Member] | 13,800 | 12,032 | +14.7% |
| Revolving Loans Converted to Term [Member] · Total consumer real estate loans [Member] | 225 | 362 | -37.8% |
| Revolving Loans Converted to Term [Member] · Total consumer real estate loans [Member] | 9,734 | 7,837 | +24.2% |
| Revolving Loans Converted to Term [Member] · Total consumer real estate loans [Member] | 4,066 | 4,195 | -3.1% |
| Revolving Loans Converted to Term [Member] · Total consumer real estate loans [Member] | 3,841 | 3,833 | +0.2% |
Show Financing Receivable Recorded Investment By Class Of Financing Receivable breakouts |
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| Commercial and Industrial Total Energy Loans [Member] | 1,208,070 | 1,153,137 | +4.8% |
| Commercial and Industrial Total Energy Loans [Member] · Financial Asset Not Past Due | 1,204,104 | 1,142,083 | +5.4% |
| Commercial and Industrial Total Energy Loans [Member] · Financial Asset Past Due | 3,966 | 11,054 | -64.1% |
| Commercial and Industrial Total Energy Loans [Member] · Financing Receivables Equal To Greater Than90 Days Past Due | 2,523 | 4,074 | -38.1% |
| Commercial and Industrial Total Energy Loans [Member] · Financing Receivables, 30 to 89 Days Past Due [Member] | 1,443 | 6,980 | -79.3% |
| Commercial and Industrial Total Energy Loans [Member] · Risk Grade Eleven [Member] | 4,734 | 2,192 | +116.0% |
| Commercial and Industrial Total Energy Loans [Member] · Risk Grade Nine [Member] | 39,486 | 11,341 | +248.2% |
| Commercial and Industrial Total Energy Loans [Member] · Risk Grade One To Eight [Member] | 1,085,148 | 1,125,772 | -3.6% |
| Commercial and Industrial Total Energy Loans [Member] · Risk Grade Ten [Member] | 76,179 | 9,797 | +677.6% |
| Commercial and Industrial Total Energy Loans [Member] · Risk Grade Thirteen [Member] | 700 | 2,677 | -73.9% |
| Commercial and Industrial Total Energy Loans [Member] · Risk Grade Twelve [Member] | 1,823 | 1,358 | +34.2% |
| Commercial Portfolio Segment | 6,333,349 | 6,163,093 | +2.8% |
| Commercial Portfolio Segment · Financial Asset Not Past Due | 6,291,106 | 6,094,198 | +3.2% |
| Commercial Portfolio Segment · Financial Asset Past Due | 42,243 | 68,895 | -38.7% |
| Commercial Portfolio Segment · Financing Receivables Equal To Greater Than90 Days Past Due | 18,877 | 28,432 | -33.6% |
| Commercial Portfolio Segment · Financing Receivables, 30 to 89 Days Past Due [Member] | 23,366 | 40,463 | -42.3% |
| Commercial Portfolio Segment · Risk Grade Eleven [Member] | 95,022 | 137,027 | -30.7% |
| Commercial Portfolio Segment · Risk Grade Nine [Member] | 225,807 | 250,436 | -9.8% |
| Commercial Portfolio Segment · Risk Grade One To Eight [Member] | 5,759,518 | 5,591,974 | +3.0% |
| Commercial Portfolio Segment · Risk Grade Ten [Member] | 207,997 | 134,805 | +54.3% |
| Commercial Portfolio Segment · Risk Grade Thirteen [Member] | 14,659 | 14,424 | +1.6% |
| Commercial Portfolio Segment · Risk Grade Twelve [Member] | 30,346 | 34,427 | -11.9% |
| Commercial Real Estate Non-Owner Occupied | 3,747,762 | — | — |
| Commercial Real Estate Non-Owner Occupied · Financial Asset Not Past Due | 3,741,006 | — | — |
| Commercial Real Estate Non-Owner Occupied · Financial Asset Past Due | 6,756 | — | — |
| Commercial Real Estate Non-Owner Occupied · Financing Receivables Equal To Greater Than90 Days Past Due | 2,094 | — | — |
| Commercial Real Estate Non-Owner Occupied · Financing Receivables, 30 to 89 Days Past Due [Member] | 4,662 | — | — |
| Commercial Real Estate Non-Owner Occupied · Risk Grade Eleven [Member] | 24,447 | — | — |
| Commercial Real Estate Non-Owner Occupied · Risk Grade Nine [Member] | 89,889 | — | — |
| Commercial Real Estate Non-Owner Occupied · Risk Grade One To Eight [Member] | 3,529,860 | — | — |
| Commercial Real Estate Non-Owner Occupied · Risk Grade Ten [Member] | 102,986 | — | — |
| Commercial Real Estate Non-Owner Occupied · Risk Grade Twelve [Member] | 580 | — | — |
| Commercial Real Estate Owner Occupied | 4,159,240 | — | — |
| Commercial Real Estate Owner Occupied · Financial Asset Not Past Due | 4,135,454 | — | — |
| Commercial Real Estate Owner Occupied · Financial Asset Past Due | 23,786 | — | — |
| Commercial Real Estate Owner Occupied · Financing Receivables Equal To Greater Than90 Days Past Due | 8,233 | — | — |
| Commercial Real Estate Owner Occupied · Financing Receivables, 30 to 89 Days Past Due [Member] | 15,553 | — | — |
| Commercial Real Estate Owner Occupied · Risk Grade Eleven [Member] | 112,074 | — | — |
| Commercial Real Estate Owner Occupied · Risk Grade Nine [Member] | 143,705 | — | — |
| Commercial Real Estate Owner Occupied · Risk Grade One To Eight [Member] | 3,801,615 | — | — |
| Commercial Real Estate Owner Occupied · Risk Grade Ten [Member] | 88,082 | — | — |
| Commercial Real Estate Owner Occupied · Risk Grade Thirteen [Member] | 722 | — | — |
| Commercial Real Estate Owner Occupied · Risk Grade Twelve [Member] | 13,042 | — | — |
| Commercial Real Estate Portfolio Segment | 10,557,293 | 9,958,967 | +6.0% |
| Construction Loans | 2,650,291 | 2,251,265 | +17.7% |
| Construction Loans · Financial Asset Not Past Due | 2,600,666 | 2,247,421 | +15.7% |
| Construction Loans · Financial Asset Past Due | 49,625 | 3,844 | +1191.0% |
| Construction Loans · Financing Receivables Equal To Greater Than90 Days Past Due | 1,622 | 1,946 | -16.6% |
| Construction Loans · Financing Receivables Equal To Greater Than90 Days Past Due | 2,304 | — | — |
| Construction Loans · Financing Receivables, 30 to 89 Days Past Due [Member] | 47,321 | 3,844 | +1131.0% |
| Construction Loans · Risk Grade Eleven [Member] | 41,550 | — | — |
| Construction Loans · Risk Grade Nine [Member] | 113,950 | 244,017 | -53.3% |
| Construction Loans · Risk Grade One To Eight [Member] | 2,348,184 | 1,865,357 | +25.9% |
| Construction Loans · Risk Grade Ten [Member] | 144,200 | 141,891 | +1.6% |
| Construction Loans · Risk Grade Thirteen [Member] | 513 | — | — |
| Construction Loans · Risk Grade Twelve [Member] | 1,894 | — | — |
| Consumer Loan | 453,103 | 425,179 | +6.6% |
| Consumer Loan · Financial Asset Not Past Due | 445,921 | 417,354 | +6.8% |
| Consumer Loan · Financial Asset Past Due | 7,182 | 7,825 | -8.2% |
| Consumer Loan · Financing Receivables Equal To Greater Than90 Days Past Due | 568 | 958 | -40.7% |
| Consumer Loan · Financing Receivables, 30 to 89 Days Past Due [Member] | 6,614 | 6,867 | -3.7% |
| Energy Other [Member] | 132,876 | 8,715 | +1424.7% |
| Energy Production [Member] | 787,371 | 912,747 | -13.7% |
| Energy Service | 287,823 | 231,675 | +24.2% |
| Home Equity | 1,104,492 | 939,356 | +17.6% |
| Home Equity Loan | 1,044,913 | 938,613 | +11.3% |
| Home Improvement Loans [Member] | 872,468 | 864,980 | +0.9% |
| Other consumer real estate loans [Member] | 139,765 | 161,741 | -13.6% |
| Real Estate Loan | 14,437,897 | 13,162,511 | +9.7% |
| Residential Mortgage | 718,966 | 298,854 | +140.6% |
| Total consumer real estate loans [Member] | 3,880,604 | 3,203,544 | +21.1% |
| Total consumer real estate loans [Member] · Financial Asset Not Past Due | 3,838,176 | 3,175,440 | +20.9% |
| Total consumer real estate loans [Member] · Financial Asset Past Due | 42,428 | 28,104 | +51.0% |
| Total consumer real estate loans [Member] · Financing Receivables Equal To Greater Than90 Days Past Due | 13,828 | 9,373 | +47.5% |
| Total consumer real estate loans [Member] · Financing Receivables, 30 to 89 Days Past Due [Member] | 28,600 | 18,731 | +52.7% |
Show Financing Receivables Period Past Due breakouts |
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| Financial Asset Not Past Due | 22,256,433 | 20,725,526 | +7.4% |
| Financial Asset Past Due | 175,986 | 178,394 | -1.3% |
| Financing Receivables Equal To Greater Than90 Days Past Due | 48,427 | 51,642 | -6.2% |
| Financing Receivables Equal To Greater Than90 Days Past Due · Payment Deferral | 1,622 | 6,887 | -76.4% |
| Financing Receivables, 30 to 89 Days Past Due [Member] | 127,559 | 126,752 | +0.6% |
| Financing Receivable Allowance For Credit Loss Excluding Accrued Interest | -286,215 | -275,488 | -3.9% |
Show Financial Instrument breakouts |
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| Modeled Expected Credit Losses [Member] | -107,242 | -100,243 | -7.0% |
| Modeled Expected Credit Losses [Member] · Commercial and Industrial Total Energy Loans [Member] | -7,135 | -4,107 | -73.7% |
| Modeled Expected Credit Losses [Member] · Commercial Portfolio Segment | -51,858 | -55,502 | +6.6% |
| Modeled Expected Credit Losses [Member] · Commercial Real Estate Portfolio Segment | -19,341 | -17,482 | -10.6% |
| Modeled Expected Credit Losses [Member] · Consumer Loan | -5,624 | -5,590 | -0.6% |
| Modeled Expected Credit Losses [Member] · Total consumer real estate loans [Member] | -23,284 | -17,562 | -32.6% |
| Q-factor adjustments [Member] | -160,870 | -156,622 | -2.7% |
| Q-factor adjustments [Member] · Commercial and Industrial Total Energy Loans [Member] | -3,247 | -3,472 | +6.5% |
| Q-factor adjustments [Member] · Commercial Portfolio Segment | -32,371 | -24,381 | -32.8% |
| Q-factor adjustments [Member] · Commercial Real Estate Portfolio Segment | -117,466 | -125,070 | +6.1% |
| Q-factor adjustments [Member] · Consumer Loan | -5,104 | -3,084 | -65.5% |
| Q-factor adjustments [Member] · Total consumer real estate loans [Member] | -2,682 | -615 | -336.1% |
| Specific Valuation Allowances [Member] | -18,103 | -18,623 | +2.8% |
| Specific Valuation Allowances [Member] · Commercial and Industrial Total Energy Loans [Member] | -700 | -2,677 | +73.9% |
| Specific Valuation Allowances [Member] · Commercial Portfolio Segment | -14,659 | -14,424 | -1.6% |
| Specific Valuation Allowances [Member] · Commercial Real Estate Owner Occupied | -722 | — | — |
| Specific Valuation Allowances [Member] · Commercial Real Estate Portfolio Segment | -1,235 | -625 | -97.6% |
| Specific Valuation Allowances [Member] · Construction Loans | -513 | -503 | -2.0% |
| Specific Valuation Allowances [Member] · Consumer Loan | -81 | -150 | +46.0% |
| Specific Valuation Allowances [Member] · Total consumer real estate loans [Member] | -1,428 | -747 | -91.2% |
Show Financing Receivable Recorded Investment By Class Of Financing Receivable breakouts |
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| Commercial and Industrial Total Energy Loans [Member] | -11,082 | -10,256 | -8.1% |
| Commercial Portfolio Segment | -98,888 | -94,307 | -4.9% |
| Commercial Real Estate Portfolio Segment | -138,042 | -143,177 | +3.6% |
| Consumer Loan | -10,809 | -8,824 | -22.5% |
| Loans Receivable | -286,215 | -275,488 | -3.9% |
| Total consumer real estate loans [Member] | -27,394 | -18,924 | -44.8% |
| Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss | 22,146,204 | 20,628,432 | +7.4% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level3 · Carrying Reported Amount Fair Value Disclosure | 22,146,204 | 20,628,432 | +7.4% |
| Fair Value Inputs Level3 · Estimate Of Fair Value Fair Value Disclosure | 21,978,515 | 20,285,959 | +8.3% |
| Other Assets | 1,867,741 | 1,840,048 | +1.5% |
| Non-Current Liabilities | |||
| Total Liabilities | 48,193,888 | 47,890,582 | +0.6% |
| Other Liabilities | |||
| Noninterest Bearing Deposit Liabilities | 14,171,828 | 14,249,173 | -0.5% |
Show Balance Sheet Location breakouts |
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| Public Funds [Member] | 436,788 | 535,989 | -18.5% |
| Interest Bearing Deposit Liabilities | 28,664,346 | 28,141,498 | +1.9% |
Show Balance Sheet Location breakouts |
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| Public Funds [Member] | 629,475 | 595,333 | +5.7% |
| Deposits | 42,836,174 | 42,390,671 | +1.1% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level2 · Carrying Reported Amount Fair Value Disclosure | 42,836,174 | 42,390,671 | +1.1% |
| Fair Value Inputs Level2 · Estimate Of Fair Value Fair Value Disclosure | 42,824,987 | 42,380,103 | +1.0% |
| Federal Funds Purchased | 25,350 | 25,650 | -1.2% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level2 · Carrying Reported Amount Fair Value Disclosure | 25,350 | 25,650 | -1.2% |
| Fair Value Inputs Level2 · Estimate Of Fair Value Fair Value Disclosure | 25,350 | 25,650 | -1.2% |
| Securities Sold Under Agreements To Repurchase | 4,101,707 | 4,467,470 | -8.2% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level2 · Carrying Reported Amount Fair Value Disclosure | 4,101,707 | 4,467,470 | -8.2% |
| Fair Value Inputs Level2 · Estimate Of Fair Value Fair Value Disclosure | 4,101,707 | 4,467,470 | -8.2% |
| Junior Subordinated Notes | 123,256 | 123,199 | 0.0% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level2 · Carrying Reported Amount Fair Value Disclosure | 123,256 | 123,199 | 0.0% |
| Fair Value Inputs Level2 · Estimate Of Fair Value Fair Value Disclosure | 123,712 | 123,712 | 0.0% |
| Subordinated Debt | 99,843 | 99,687 | +0.2% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level2 · Carrying Reported Amount Fair Value Disclosure | 99,843 | 99,687 | +0.2% |
| Fair Value Inputs Level2 · Estimate Of Fair Value Fair Value Disclosure | 100,285 | 98,468 | +1.8% |
| Other Liabilities | 1,007,558 | 783,905 | +28.5% |
| Stockholders' Equity | |||
| Preferred Stock Value | 145,452 | 145,452 | 0.0% |
| Common Stock | 644 | 644 | 0.0% |
| Additional Paid In Capital Common Stock | 1,105,508 | 1,079,653 | +2.4% |
| Retained Earnings | 4,410,863 | 4,031,422 | +9.4% |
| Accumulated Other Comprehensive Income | -923,511 | -1,129,211 | +18.2% |
Show Other Comprehensive Income Location breakouts |
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| Accumulated Defined Benefit Plans Adjustment | -18,717 | -20,931 | +10.6% |
| Accumulated Other Comprehensive Income | -923,511 | -1,129,211 | +18.2% |
| Availableforsale Securities | -904,794 | -1,108,280 | +18.4% |
| Treasury Stock Value | -208,287 | -13,800 | -1409.3% |
| Total Stockholders' Equity | 4,530,669 | 4,114,160 | +10.1% |
Show Equity Components breakouts |
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| Accumulated Other Comprehensive Income | -923,511 | -1,129,211 | +18.2% |
| Additional Paid In Capital | 1,105,508 | 1,079,653 | +2.4% |
| Common Stock | 644 | 644 | 0.0% |
| Preferred Stock | 145,452 | 145,452 | 0.0% |
| Retained Earnings | 4,410,863 | 4,031,422 | +9.4% |
| Treasury Stock Common | -208,287 | -13,800 | -1409.3% |
| Total Liabilities & Equity | 52,724,557 | 52,004,742 | +1.4% |
Cash Flow Statement
| Metric | YTD Q1 2026 | YTD Q1 2025 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Deferred Income Taxes | -2,226 | -1,289 | -72.7% |
| Accretion Of Loan Discount | -9,669 | -7,888 | -22.6% |
| Accretion Amortization Of Discounts And Premiums Investments | 3,766 | 9,945 | -62.1% |
| Depreciation And Amortization | 22,218 | 21,894 | +1.5% |
| Gain Loss On Sale Of Other Assets | -191 | -2,363 | +91.9% |
| Stock-Based Compensation | 5,181 | 4,081 | +27.0% |
| Employee Service Share Based Compensation Tax Benefit From Exercise Of Stock Options | 136 | 912 | -85.1% |
| Other Noncash Income | -984 | -928 | -6.0% |
| Increase Decrease In Trading Securities | -22 | -752 | +97.1% |
| Netchangeinoperatingleaserightofuseasset | 5,464 | 6,390 | -14.5% |
| Increase Decrease In Other Operating Assets | -42,813 | 55,711 | -176.8% |
| Increase Decrease In Other Operating Liabilities | 78,730 | -545,830 | +114.4% |
| Net Cash from Operations | 237,322 | -296,111 | +180.1% |
| Investing Activities | |||
| Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities | 24,904 | 22,785 | +9.3% |
| Purchases of Investments | -5,627,169 | -5,902,064 | +4.7% |
| Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities | 4,845,490 | 4,199,617 | +15.4% |
| Payments For Proceeds From Loans And Leases | -536,679 | -151,515 | -254.2% |
| Proceeds From Life Insurance Policies | 1,409 | 687 | +105.1% |
| Proceeds From Sale Of Property Plant And Equipment | 469 | 5 | +9280.0% |
| Capital Expenditures | -38,605 | -40,953 | +5.7% |
| Proceeds From Sale Of Foreclosed Assets | 453 | 15,135 | -97.0% |
| Net Cash from Investing | -1,329,728 | -1,818,642 | +26.9% |
| Financing Activities | |||
| Increase Decrease In Deposits | -81,690 | -332,077 | +75.4% |
| Increase Decrease In Federal Funds Purchased And Securities Sold Under Agreements To Repurchase Net | -417,573 | 128,204 | -425.7% |
| Share Repurchases | -72,298 | -2,600 | -2680.7% |
| Payments Of Dividends Preferred Stock And Preference Stock | -1,669 | -1,669 | 0.0% |
| Payments Of Dividends Common Stock | -64,008 | -61,663 | -3.8% |
| Net Cash from Financing | -637,238 | -266,097 | -139.5% |
| Other Cash Flow | |||
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect | -1,729,644 | -2,380,850 | +27.4% |
Values in thousands USD. Source: SEC EDGAR 10-Q filing.