Cullen/Frost Bankers (CFR) risk factors
Item 1A of every Cullen/Frost Bankers, Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors41 risks5 new1 dropped2 reworded
The bank added new disclosures covering cyber fraud, the GENIUS Act, U.S. government shutdowns, and expanded climate change risks. Competition and reputation risk disclosures saw minor text updates.
Filed Feb 05, 2026 - FY2024 10-K risk factors37 risks
Cullen/Frost Bankers faces concentrated risks from Texas economic conditions and commercial real estate and energy lending exposures. Interest rate fluctuations and securities portfolio unrealized losses directly impact liquidity, capital levels, and earnings. Extensive federal and state banking regulations govern operations and constrain potential corporate growth or acquisitions.
Filed Feb 06, 2025