Cullen/Frost Q2 net income $155.3M ($2.39 EPS), up 8% YoY; loans +7.2%

CULLEN/FROST BANKERS, INC.

2025-Q2 EPS reported $4.69 revenue$1,087,108,000

Net income $155.3M, diluted EPS $2.39 vs $2.21 year ago; ROAA 1.22%, ROACE 15.64%.
Net interest income (tax-equiv) $450.6M, +7.9% YoY; net interest margin 3.67%.
Average loans $21.1B (+7.2% YoY); average deposits $41.8B (+3.1%) despite seasonal weakness.
Credit loss expense $13.1M; non-accrual loans dropped to $62.4M from $83.5M prior quarter.
Board declared $1.00/common dividend payable Sept 15, 2025 to holders of record Aug 29.

item 2.02item 9.01

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