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

CFR · Sep 30, 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

Filing0000039263-23-000072Bank
Sequential deposit growth25thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

0.72% · CORE · VALID

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

Yoy · gp.fundamentals.net_income

-8.31% · CORE · VALID

Interest-expense growth75thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

232.85% · CORE · VALID

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

Yoy · gp.financial.interest_income

37.42% · CORE · VALID

Cash and equivalentsRAWCurrent state valid · history insufficient
Evidence method

Level · gp.fundamentals.cash

$7.6B · CORE · NOT_ENOUGH_HISTORY

Sequential loan growth95thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

3.68% · 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
-3.52%
Current
0.72%
Delta
4.23%
Earnings Growth Decreased
Previous
36.10%
Current
-8.31%
Delta
-44.41%
Funding Cost Growth Decreased
Previous
753.88%
Current
232.85%
Delta
-521.03%
Interest Income Growth Decreased
Previous
76.88%
Current
37.42%
Delta
-39.47%
Liquidity Increased
Previous
$7.1B
Current
$7.6B
Delta
$510.7M
Loan Growth Increased
Previous
1.50%
Current
3.68%
Delta
2.18%
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.