{"schema_version":"secwatch.filing_event.v1","accession":"0000039263-25-000099","form_type":"8-K","ticker":"CFR","cik":"0000039263","company_name":"CULLEN/FROST BANKERS, INC.","filed_at":"2025-07-31T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.092380+00:00","generated_at":"2026-05-17T22:32:32.278476+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Cullen/Frost Q2 net income $155.3M ($2.39 EPS), up 8% YoY; loans +7.2%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000039263-25-000099","json":"https://secwatch.observer/filing/0000039263-25-000099.json","markdown":"https://secwatch.observer/filing/0000039263-25-000099.md","text":"https://secwatch.observer/filing/0000039263-25-000099.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/39263/000003926325000099/0000039263-25-000099-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/39263/000003926325000099/cfr-20250731.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T22:32:32.278476+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"}