{"schema_version":"secwatch.filing_event.v1","accession":"0000039263-23-000005","form_type":"8-K","ticker":"CFR","cik":"0000039263","company_name":"CULLEN/FROST BANKERS, INC.","filed_at":"2023-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:47.651641+00:00","generated_at":"2026-06-20T08:36:21.622466+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Cullen/Frost Q4 net income $189.5M, EPS $2.91 up 91% YoY; NIM expands to 3.31%","bullets":["Diluted EPS $2.91 vs $1.54 a year ago; full-year EPS $8.81 vs $6.76 (up 30%).","Net interest income (tax-equivalent) $423.9M, up 60.5%; net interest margin 3.31% vs 2.31%.","Average loans $17.1B (+6.8% YoY); average deposits $44.8B (+9.1% YoY).","Non-interest expense $281.3M (+17.9%) driven by salaries, expansion costs, and a $4M license negotiation accrual.","Board declared $0.87 per common share dividend, unchanged, payable March 15, 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0000039263-23-000005","json":"https://secwatch.observer/filing/0000039263-23-000005.json","markdown":"https://secwatch.observer/filing/0000039263-23-000005.md","text":"https://secwatch.observer/filing/0000039263-23-000005.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/39263/000003926323000005/0000039263-23-000005-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/39263/000003926323000005/cfr-20230126.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T08:36:21.622466+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":[{"claim_id":"17fe08f05af0c25ea68cb938ece75852fdd77953","claim":"CULLEN/FROST BANKERS, INC. reported financial results for the quarter and year ended December 31, 2022.","evidence_excerpt":"Attached as Exhibit 99.1 and incorporated into this item by reference is a press release issued by the Registrant on January 26, 2023 regarding its financial results for the quarter and year ended December 31, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/39263/000003926323000005/0000039263-23-000005-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter and year ended December 31, 2022"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}