{"schema_version":"secwatch.filing_event.v1","accession":"0000039263-22-000030","form_type":"8-K","ticker":"CFR","cik":"0000039263","company_name":"CULLEN/FROST BANKERS, INC.","filed_at":"2022-07-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:57.837847+00:00","generated_at":"2026-06-24T07:44:24.442414+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Cullen/Frost Q2 EPS $1.81, dividend raised 16% to $0.87","bullets":["Net income available to common $117.4M ($1.81 diluted EPS) vs $116.4M ($1.80) a year ago.","Board raises quarterly common dividend 16% to $0.87, payable Sept 15, record Aug 31.","Net interest income (tax-equivalent) $311.4M, up 11.2% YoY; net interest margin 2.56%.","Average deposits $44.7B (+16.9% YoY); avg loans ex-PPP $16.5B (+13.2% YoY).","No credit loss expense; net charge-offs $2.8M; allowance for credit losses 1.43% of loans."],"urls":{"canonical":"https://secwatch.observer/filing/0000039263-22-000030","json":"https://secwatch.observer/filing/0000039263-22-000030.json","markdown":"https://secwatch.observer/filing/0000039263-22-000030.md","text":"https://secwatch.observer/filing/0000039263-22-000030.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/39263/000003926322000030/0000039263-22-000030-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/39263/000003926322000030/cfr-20220728.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T07:44:24.442414+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"}