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

CFR · Dec 31, 2021

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

Filing0000039263-22-000008Bank
Sequential deposit growth95thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

7.78% · CORE · VALID

Net-income growth95thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

33.80% · CORE · VALID

Interest-expense growth20thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

-46.92% · CORE · VALID

Interest-income growth25thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

-1.20% · CORE · VALID

Sequential loan growth85thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

3.24% · 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
2.27%
Current
7.78%
Delta
5.51%
Earnings Growth Increased
Previous
13.59%
Current
33.80%
Delta
20.21%
Funding Cost Growth Decreased
Previous
-21.05%
Current
-46.92%
Delta
-25.87%
Interest Income Growth Decreased
Previous
0.43%
Current
-1.20%
Delta
-1.63%
Loan Growth Increased
Previous
-4.64%
Current
3.24%
Delta
7.88%
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.