{"schema_version":"secwatch.filing_event.v1","accession":"0000039263-24-000036","form_type":"8-K","ticker":"CFR","cik":"0000039263","company_name":"CULLEN/FROST BANKERS, INC.","filed_at":"2024-04-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:21.605351+00:00","generated_at":"2026-06-03T08:31:39.470611+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Cullen/Frost Q1 2024 EPS $2.06, down 24% YoY; FDIC assessment hit","bullets":["Net income available to common $134.0M ($2.06 diluted EPS) vs $175.2M ($2.70) in Q1 2023; adjusted EPS $2.15 excluding $6.1M FDIC assessment.","Net interest income (tax-equiv) $411.4M, down 3.4% YoY; net interest margin 3.48% vs 3.47% a year ago.","Average loans $19.1B, up 10.4% YoY; average deposits $40.7B, down 4.8% YoY.","Non-interest expense $326.2M, up 14.4% YoY; excluding FDIC assessment, up 11.7%.","Q2 common dividend declared $0.92/share payable June 14; capital ratios well above well-capitalized minimums."],"urls":{"canonical":"https://secwatch.observer/filing/0000039263-24-000036","json":"https://secwatch.observer/filing/0000039263-24-000036.json","markdown":"https://secwatch.observer/filing/0000039263-24-000036.md","text":"https://secwatch.observer/filing/0000039263-24-000036.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/39263/000003926324000036/0000039263-24-000036-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/39263/000003926324000036/cfr-20240425.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T08:31:39.470611+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"}