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

CFR · Sep 30, 2024

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

Filing0000039263-24-000069Bank
Sequential deposit growth65thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

3.48% · CORE · VALID

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

Yoy · gp.fundamentals.net_income

-5.88% · CORE · VALID

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

Yoy · gp.financial.interest_expense

16.02% · CORE · VALID

Interest-income growth55thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

8.38% · CORE · VALID

Cash and equivalents50thOwn-history percentile · N=10
Evidence method

Level · gp.fundamentals.cash

$9.2B · CORE · VALID

Sequential loan growth15thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

0.26% · 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
-1.20%
Current
3.48%
Delta
4.68%
Earnings Growth Increased
Previous
-10.25%
Current
-5.88%
Delta
4.37%
Funding Cost Growth Decreased
Previous
27.07%
Current
16.02%
Delta
-11.05%
Interest Income Growth Decreased
Previous
9.95%
Current
8.38%
Delta
-1.56%
Liquidity Increased
Previous
$7.1B
Current
$9.2B
Delta
$2.1B
Loan Growth Decreased
Previous
3.14%
Current
0.26%
Delta
-2.88%
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.