secwatch.observer — SEC 8-K summary
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Issuer:     CULLEN/FROST BANKERS, INC. (CFR)
CIK:        0000039263
Form:       8-K
Filed at:   2025-07-31T23:59:59+00:00
Accession:  0000039263-25-000099
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/39263/000003926325000099/0000039263-25-000099-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/39263/000003926325000099/cfr-20250731.htm
  HTML page:      https://secwatch.observer/filing/0000039263-25-000099

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer