{"schema_version":"secwatch.filing_event.v1","accession":"0000039263-22-000020","form_type":"8-K","ticker":"CFR","cik":"0000039263","company_name":"CULLEN/FROST BANKERS, INC.","filed_at":"2022-04-28T23:59:59+00:00","discovered_at":"2026-05-14T18:04:03.253474+00:00","generated_at":"2026-06-26T03:38:54.131215+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Cullen/Frost Q1 net income falls to $97.4M ($1.50/sh) from $113.9M; declares $0.75 dividend","bullets":["Net income available to common $97.4M ($1.50 diluted EPS) vs $113.9M ($1.77) YoY, down 14.5%.","Net interest income (tax-equiv) $272.2M, +3.1% YoY; NIM 2.33% vs 2.72% a year ago.","Avg deposits $43.0B, +21.3% YoY; avg loans ex-PPP $16.1B, +8.3% YoY.","Non-interest expense $238.7M (+13.6% YoY); no credit loss expense; net charge-offs $6.3M.","Q2 dividend $0.75/common share, payable June 15; record May 31."],"urls":{"canonical":"https://secwatch.observer/filing/0000039263-22-000020","json":"https://secwatch.observer/filing/0000039263-22-000020.json","markdown":"https://secwatch.observer/filing/0000039263-22-000020.md","text":"https://secwatch.observer/filing/0000039263-22-000020.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/39263/000003926322000020/0000039263-22-000020-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/39263/000003926322000020/cfr-20220428.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-26T03:38:54.131215+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"}