---
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"
generated_at: "2026-07-30T13:31:12.031747+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Cullen/Frost Q2 EPS $2.70, up 13% YoY; loans +7.4%, deposits +2.1%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000039263-26-000045
- JSON: https://secwatch.observer/filing/0000039263-26-000045.json
- Plain text: https://secwatch.observer/filing/0000039263-26-000045.txt

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