GPGrossPatternRESEARCH SYSTEM
SEC CHECK OPERATIONAL
GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

CFR · Sep 30, 2025

CULLEN/FROST BANKERS, INC.. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 3[email protected]
Inspectable configuration

State dimensions

Filing0000039263-25-000117Bank
Sequential deposit growth40thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

2.00% · CORE · VALID

Net-income growth65thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

19.03% · CORE · VALID

Interest-expense growth45thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

-12.43% · CORE · VALID

Interest-income growth35thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

1.96% · CORE · VALID

Cash and equivalents36thOwn-history percentile · N=14
Evidence method

Level · gp.fundamentals.cash

$7.9B · CORE · VALID

Sequential loan growth25thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

0.90% · CORE · VALID

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History45 statesSelf-history eligible
Period transition

What moved in the state?

Deposit Growth Increased
Previous
-1.67%
Current
2.00%
Delta
3.67%
Earnings Growth Increased
Previous
7.91%
Current
19.03%
Delta
11.12%
Funding Cost Growth Increased
Previous
-13.64%
Current
-12.43%
Delta
1.21%
Interest Income Growth Increased
Previous
0.95%
Current
1.96%
Delta
1.01%
Liquidity Increased
Previous
$7.1B
Current
$7.9B
Delta
$824.1M
Loan Growth Decreased
Previous
1.69%
Current
0.90%
Delta
-0.79%
Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Not enough compatible prior states for a transparent self-history match.
Research Graph

Related governed research

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.