---
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"
generated_at: "2026-05-17T01:27:13.788022+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000039263-25-000113
- JSON: https://secwatch.observer/filing/0000039263-25-000113.json
- Plain text: https://secwatch.observer/filing/0000039263-25-000113.txt

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