Jon Arfstrom

Manan Gosalia

Peter Winter

Catherine Mealor

Ebrahim Poonawala

Benjamin Gerlinger

Casey Haire

Jared Shaw

Matt Olney

Casey Harowith

David Rochester

Michael Rose

Will Jones

- Cullen/Frost Bankers, Inc. reported a market capitalization of **$8.3 billion**, total assets of **$51.4 billion**, total loans of **$21.3 billion**, and total deposits of **$41.7 billion** as of **June 30, 2025**.  **[39263_0000039263-25-000106_final2q-2025investorpres.htm:3]** 
- The company maintains a strong presence in Texas, with **200 financial centers** and a **3.8% market share** of total Texas deposits as of June 30, 2025, supported by an organic expansion strategy that contributed to **more than a fourth of loan growth** and **more than 15% of deposit growth** from 2018 to 2024.  **[39263_0000039263-25-000106_final2q-2025investorpres.htm:3]** **[39263_0000039263-25-000106_final2q-2025investorpres.htm:4]**  
- Cullen/Frost demonstrates robust financial health with capital ratios as of June 30, 2025, including a Common Equity Tier 1 ratio of **13.98%** and a Tier 1 Leverage ratio of **8.98%**, alongside strong credit quality with approximately **4.5x coverage for non-accrual loans** as of Q2-2025.  **[39263_0000039263-25-000106_final2q-2025investorpres.htm:7]**  
- The company has a history of **32 consecutive years of dividend increases** and consistent profitability, with non-interest income comprising **22.2% of total revenue** in the first half of 2025, driven significantly by trust and investment management fees.  **[39263_0000039263-25-000106_final2q-2025investorpres.htm:3]** **[39263_0000039263-25-000106_final2q-2025investorpres.htm:6]**

Cullen/Frost Bankers, Inc. Provides Q2 2025 Investor Presentation Highlights

CULLEN/FROST BANKERS (CFR)