secwatch.observer — SEC 8-K summary
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Issuer:     CULLEN/FROST BANKERS, INC. (CFR)
CIK:        0000039263
Form:       8-K
Filed at:   2025-10-30T23:59:59+00:00
Accession:  0000039263-25-000113
Event type: earnings
Sentiment:  positive
Materiality: 0.85
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/39263/000003926325000113/0000039263-25-000113-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/39263/000003926325000113/cfr-20251030.htm
  HTML page:      https://secwatch.observer/filing/0000039263-25-000113

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