{"schema_version":"secwatch.filing_event.v1","accession":"0000039263-24-000067","form_type":"8-K","ticker":"CFR","cik":"0000039263","company_name":"CULLEN/FROST BANKERS, INC.","filed_at":"2024-10-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.743384+00:00","generated_at":"2026-05-30T07:44:26.344116+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Cullen/Frost Q3 2024 EPS falls to $2.24 from $2.38 YoY; net interest income up 4.4%","bullets":["Net income available to common $144.8M, down from $154.0M YoY; diluted EPS $2.24 vs $2.38.","Net interest income (tax-equiv) $425.2M, up 4.4% YoY; net interest margin 3.56%.","Average loans $20.1B, up 11.8% YoY; average deposits $40.7B, down 0.2% YoY.","Non-accrual loans $104.9M vs $67.2M YoY; credit loss expense $19.4M vs $11.2M.","Quarterly dividend declared $0.95 per common share, payable Dec 13, 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0000039263-24-000067","json":"https://secwatch.observer/filing/0000039263-24-000067.json","markdown":"https://secwatch.observer/filing/0000039263-24-000067.md","text":"https://secwatch.observer/filing/0000039263-24-000067.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/39263/000003926324000067/0000039263-24-000067-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/39263/000003926324000067/cfr-20241031.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T07:44:26.344116+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"}