{"schema_version":"secwatch.filing_event.v1","accession":"0000039263-21-000028","form_type":"8-K","ticker":"CFR","cik":"0000039263","company_name":"CULLEN/FROST BANKERS, INC.","filed_at":"2021-07-29T23:59:59+00:00","discovered_at":"2026-05-14T18:04:20.392065+00:00","generated_at":"2026-06-30T01:12:05.432970+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Cullen/Frost Q2 net income $116.4M, EPS $1.80; dividend raised 4% to $0.75","bullets":["Net income available to common shareholders $116.4M vs $93.1M YoY; diluted EPS $1.80 vs $1.47.","Net interest income (tax-equivalent) $280M, up 3.8% YoY; average deposits rose 22.2% to $38.3B.","No credit loss expense in Q2 2021 vs $27.2M expense in Q2 2020; allowance for credit losses 1.54% of loans.","Board declared Q3 common dividend of $0.75/share, a 4% increase from prior $0.72.","Non-interest income up 17.6% to $91.2M, driven by trust fees, service charges, and card transaction fees."],"urls":{"canonical":"https://secwatch.observer/filing/0000039263-21-000028","json":"https://secwatch.observer/filing/0000039263-21-000028.json","markdown":"https://secwatch.observer/filing/0000039263-21-000028.md","text":"https://secwatch.observer/filing/0000039263-21-000028.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/39263/000003926321000028/0000039263-21-000028-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/39263/000003926321000028/cfr-20210729.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-30T01:12:05.432970+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}