{"schema_version":"secwatch.filing_event.v1","accession":"0000039263-21-000037","form_type":"8-K","ticker":"CFR","cik":"0000039263","company_name":"CULLEN/FROST BANKERS, INC.","filed_at":"2021-10-28T23:59:59+00:00","discovered_at":"2026-05-14T18:04:15.172770+00:00","generated_at":"2026-06-28T17:01:43.224856+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Cullen/Frost Q3 net income rises to $106.3M, EPS $1.65, up from $95.1M; deposits grow 19%","bullets":["Net income available to common shareholders $106.3M ($1.65 diluted EPS), up from $95.1M ($1.50) a year ago.","Net interest income $269.3M, up 0.9% YoY; net interest margin 2.47% vs 2.95% in Q3 2020.","Average deposits $39.1B, up 19% YoY; average loans $16.2B, down 10.8% (ex-PPP down 0.8%).","No credit loss expense in Q3 vs $20.3M expense a year ago; non-accrual loans fell to $57.1M from $91.6M.","Board declared $0.75 common dividend, payable Dec 15; also preferred dividend declared."],"urls":{"canonical":"https://secwatch.observer/filing/0000039263-21-000037","json":"https://secwatch.observer/filing/0000039263-21-000037.json","markdown":"https://secwatch.observer/filing/0000039263-21-000037.md","text":"https://secwatch.observer/filing/0000039263-21-000037.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/39263/000003926321000037/0000039263-21-000037-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/39263/000003926321000037/cfr-20211028.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-28T17:01:43.224856+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"}