Phillip Green

Chairman of the Board & Chief Executive Officer, Cullenfrost Bankers

Search every verified Phillip Green interview, podcast appearance, and on-the-record quote — each transcript cross-checked by AI and human review to confirm speaker identity. Phil Green, chairman and CEO of Cullen/Frost Bankers, has been discussing the state of the economy and the banking industry in several media appearances. In August 2025, Green said the bank is seeing strong consumer deposit growth and a good loan pipeline, but noted that many business projects are being delayed due to economic uncertainty. He stated that the bank's energy industry clients are not interested in increasing oil production at current prices, but he described a "quiet bullishness" developing around natural gas due to demand from data centers and LNG capacity. Green also said he believes the Federal Reserve will move rates down, which he expects will bring more economic activity to the fore. Green has also spoken about the importance of customer relationships and financial belonging. In a December 2023 presentation, he discussed Frost Bank's research on "financial belonging," which the bank defines as the feeling of importance and connectedness a person feels in their banking relationship. He said the research found that only 11% of U.S. consumers feel a sense of financial belonging with their bank, while 74% say it is important. Green stated that the bank aims to improve this through a hybrid model combining technology and in-person service. He has also commented on regulatory topics, arguing against universal deposit insurance and stating that the commercial bank model does not operate on a fully insured basis.