---
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"
generated_at: "2026-05-17T22:32:32.278476+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000039263-25-000099
- JSON: https://secwatch.observer/filing/0000039263-25-000099.json
- Plain text: https://secwatch.observer/filing/0000039263-25-000099.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.