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

CFR · Mar 31, 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

Filing0000039263-22-000022Bank
Sequential deposit growth70thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

4.06% · CORE · VALID

Net-income growth20thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

-14.58% · CORE · VALID

Interest-expense growth50thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

25.48% · CORE · VALID

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

Yoy · gp.financial.interest_income

3.91% · CORE · VALID

Cash and equivalentsRAWCurrent state valid · history insufficient
Evidence method

Level · gp.fundamentals.cash

$14.5B · CORE · NOT_ENOUGH_HISTORY

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

Sequential · gp.financial.loans

1.29% · 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
7.78%
Current
4.06%
Delta
-3.72%
Earnings Growth Decreased
Previous
33.80%
Current
-14.58%
Delta
-48.38%
Funding Cost Growth Increased
Previous
-46.92%
Current
25.48%
Delta
72.40%
Interest Income Growth Increased
Previous
-1.20%
Current
3.91%
Delta
5.11%
Loan Growth Decreased
Previous
3.24%
Current
1.29%
Delta
-1.95%
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.