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

CFR · Sep 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

Filing0000039263-22-000041Bank
Sequential deposit growth40thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

2.10% · CORE · VALID

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

Yoy · gp.fundamentals.net_income

57.22% · CORE · VALID

Interest-expense growth100thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

763.45% · CORE · VALID

Interest-income growth100thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

61.88% · CORE · VALID

Cash and equivalentsRAWCurrent state valid · history insufficient
Evidence method

Level · gp.fundamentals.cash

$13.6B · CORE · NOT_ENOUGH_HISTORY

Sequential loan growth45thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

1.33% · 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
2.64%
Current
2.10%
Delta
-0.53%
Earnings Growth Increased
Previous
0.89%
Current
57.22%
Delta
56.34%
Funding Cost Growth Increased
Previous
212.93%
Current
763.45%
Delta
550.53%
Interest Income Growth Increased
Previous
16.56%
Current
61.88%
Delta
45.32%
Liquidity Decreased
Previous
$13.7B
Current
$13.6B
Delta
-$25.9M
Loan Growth Increased
Previous
1.23%
Current
1.33%
Delta
0.10%
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.