{"schema_version":"secwatch.filing_event.v1","accession":"0000039263-25-000113","form_type":"8-K","ticker":"CFR","cik":"0000039263","company_name":"CULLEN/FROST BANKERS, INC.","filed_at":"2025-10-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.775284+00:00","generated_at":"2026-05-17T01:27:13.788022+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Cullen/Frost Q3 EPS $2.67 vs $2.24 YoY; net income $172.7M up 19%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000039263-25-000113","json":"https://secwatch.observer/filing/0000039263-25-000113.json","markdown":"https://secwatch.observer/filing/0000039263-25-000113.md","text":"https://secwatch.observer/filing/0000039263-25-000113.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/39263/000003926325000113/0000039263-25-000113-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/39263/000003926325000113/cfr-20251030.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T01:27:13.788022+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"}