{"schema_version":"secwatch.filing_event.v1","accession":"0000039263-25-000056","form_type":"8-K","ticker":"CFR","cik":"0000039263","company_name":"CULLEN/FROST BANKERS, INC.","filed_at":"2025-05-01T23:59:59+00:00","discovered_at":"2026-05-14T18:02:50.969315+00:00","generated_at":"2026-05-23T01:21:39.076858+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Cullen/Frost Q1 EPS $2.30 vs $2.06 YoY; raises quarterly dividend 5.3% to $1.00","bullets":["Net income available to common: $149.3M, up from $134.0M a year ago.","Diluted EPS of $2.30, compared to $2.06 in Q1 2024; ROAA 1.19%, ROACE 15.54%.","Net interest income (tax-equiv) $436.4M, +6.1% YoY; net interest margin 3.60% vs 3.48%.","Average loans grew 8.8% YoY to $20.8B; average deposits up 2.3% to $41.7B.","Board declared Q2 common dividend of $1.00/share, payable June 13 to holders of record May 30."],"urls":{"canonical":"https://secwatch.observer/filing/0000039263-25-000056","json":"https://secwatch.observer/filing/0000039263-25-000056.json","markdown":"https://secwatch.observer/filing/0000039263-25-000056.md","text":"https://secwatch.observer/filing/0000039263-25-000056.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/39263/000003926325000056/0000039263-25-000056-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/39263/000003926325000056/cfr-20250501.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T01:21:39.076858+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"}