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

CFR · Mar 31, 2023

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

Filing0000039263-23-000043Bank
Sequential deposit growth5thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

-4.03% · CORE · VALID

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

Yoy · gp.fundamentals.net_income

79.26% · CORE · VALID

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

Yoy · gp.financial.interest_expense

1782.82% · CORE · VALID

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

Yoy · gp.financial.interest_income

108.85% · CORE · VALID

Cash and equivalentsRAWCurrent state valid · history insufficient
Evidence method

Level · gp.fundamentals.cash

$9.3B · CORE · NOT_ENOUGH_HISTORY

Sequential loan growth65thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

1.93% · 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
-5.60%
Current
-4.03%
Delta
1.57%
Earnings Growth Increased
Previous
30.71%
Current
79.26%
Delta
48.55%
Funding Cost Growth Increased
Previous
671.64%
Current
1782.82%
Delta
1111.18%
Interest Income Growth Increased
Previous
46.29%
Current
108.85%
Delta
62.56%
Liquidity Decreased
Previous
$12.0B
Current
$9.3B
Delta
-$2.7B
Loan Growth Increased
Previous
1.26%
Current
1.93%
Delta
0.67%
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.