Cullen/Frost Q3 EPS $2.67 vs $2.24 YoY; net income $172.7M up 19%

CULLEN/FROST BANKERS, INC.

2025-Q3 EPS reported $7.36 revenue$1,654,373,000

Net interest income rose 9.1% to $463.7M; avg loans grew 6.8% to $21.5B, avg deposits up 3.3% to $42.1B.
Non-interest income increased 10.5% to $125.6M; trust fees up 9.3%, service charges up 14.7%.
Credit loss expense improved to $6.8M from $19.4M; net charge-offs $6.6M; non-accrual loans fell to $44.8M.
Total risk-based capital ratio 16.04%; net interest margin 3.69% vs 3.56% a year ago.
Board declared Q4 dividend $1.00 per common share, payable Dec 15 to holders of record Nov 28.

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