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

CFR · Jun 30, 2022

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

Filing0000039263-22-000032Bank
Sequential deposit growth55thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

2.64% · CORE · VALID

Net-income growth40thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

0.89% · CORE · VALID

Interest-expense growth80thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

212.93% · CORE · VALID

Interest-income growth85thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

16.56% · CORE · VALID

Cash and equivalentsRAWCurrent state valid · history insufficient
Evidence method

Level · gp.fundamentals.cash

$13.7B · CORE · NOT_ENOUGH_HISTORY

Sequential loan growth35thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

1.23% · 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 Decreased
Previous
4.06%
Current
2.64%
Delta
-1.43%
Earnings Growth Increased
Previous
-14.58%
Current
0.89%
Delta
15.46%
Funding Cost Growth Increased
Previous
25.48%
Current
212.93%
Delta
187.45%
Interest Income Growth Increased
Previous
3.91%
Current
16.56%
Delta
12.65%
Liquidity Decreased
Previous
$14.5B
Current
$13.7B
Delta
-$798.5M
Loan Growth Decreased
Previous
1.29%
Current
1.23%
Delta
-0.06%
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.