{"schema_version":"secwatch.filing_event.v1","accession":"0000039263-26-000045","form_type":"8-K","ticker":"CFR","cik":"0000039263","company_name":"CULLEN/FROST BANKERS, INC.","filed_at":"2026-07-30T13:30:23+00:00","discovered_at":"2026-07-30T13:31:02.790839+00:00","generated_at":"2026-07-30T13:31:12.031747+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Cullen/Frost Q2 EPS $2.70, up 13% YoY; loans +7.4%, deposits +2.1%","bullets":["Net income available to common shareholders $170.4M ($2.70 diluted EPS) vs $155.3M ($2.39) a year ago.","Net interest income (taxable-equivalent) $470.1M, up 4.3% YoY; net interest margin 3.75% vs 3.67%.","Average loans $22.6B (+7.4% YoY); average deposits $42.6B (+2.1% YoY).","Board declared Q3 common dividend $1.03/share, payable Sept 15 to holders of record Aug 31.","Repurchased 654,955 shares for $90M in Q2; $140M remaining under $300M authorization."],"urls":{"canonical":"https://secwatch.observer/filing/0000039263-26-000045","json":"https://secwatch.observer/filing/0000039263-26-000045.json","markdown":"https://secwatch.observer/filing/0000039263-26-000045.md","text":"https://secwatch.observer/filing/0000039263-26-000045.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/39263/000003926326000045/0000039263-26-000045-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/39263/000003926326000045/cfr-20260730.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-30T13:31:12.031747+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"}