---
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"
generated_at: "2026-06-24T07:44:24.442414+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Cullen/Frost Q2 EPS $1.81, dividend raised 16% to $0.87

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000039263-22-000030
- JSON: https://secwatch.observer/filing/0000039263-22-000030.json
- Plain text: https://secwatch.observer/filing/0000039263-22-000030.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.