{"schema_version":"secwatch.filing_event.v1","accession":"0000039263-24-000055","form_type":"8-K","ticker":"CFR","cik":"0000039263","company_name":"CULLEN/FROST BANKERS, INC.","filed_at":"2024-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:15.530935+00:00","generated_at":"2026-05-31T16:26:43.450327+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Cullen/Frost Q2 2024 EPS $2.21 down from $2.47 YoY; board raises dividend 3.3% to $0.95","bullets":["Net income available to common $143.8M ($2.21 diluted EPS) vs $160.4M ($2.47) a year ago.","Average loans up 11.3% YoY to $19.7B; net interest margin expanded to 3.54% from 3.45% YoY.","Non-interest expense rose 11.2% to $317.0M, driven by higher salaries and technology costs.","Quarterly common dividend raised 3.3% to $0.95 per share; payable Sept 13, 2024 to holders of record Aug 30.","Non-accrual loans increased to $75.0M; credit loss expense $15.8M vs $9.9M in Q2 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0000039263-24-000055","json":"https://secwatch.observer/filing/0000039263-24-000055.json","markdown":"https://secwatch.observer/filing/0000039263-24-000055.md","text":"https://secwatch.observer/filing/0000039263-24-000055.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/39263/000003926324000055/0000039263-24-000055-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/39263/000003926324000055/cfr-20240725.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T16:26:43.450327+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"}