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

CFR · Dec 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

Filing0000039263-24-000013Bank
Sequential deposit growth45thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

2.26% · CORE · VALID

Net-income growth50thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

3.25% · CORE · VALID

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

Yoy · gp.financial.interest_expense

257.33% · CORE · VALID

Interest-income growth85thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

50.28% · CORE · VALID

Cash and equivalentsRAWCurrent state valid · history insufficient
Evidence method

Level · gp.fundamentals.cash

$8.7B · CORE · NOT_ENOUGH_HISTORY

Sequential loan growth75thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

2.32% · 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
0.72%
Current
2.26%
Delta
1.55%
Earnings Growth Increased
Previous
-8.31%
Current
3.25%
Delta
11.56%
Funding Cost Growth Increased
Previous
232.85%
Current
257.33%
Delta
24.48%
Interest Income Growth Increased
Previous
37.42%
Current
50.28%
Delta
12.86%
Liquidity Increased
Previous
$7.6B
Current
$8.7B
Delta
$1.1B
Loan Growth Decreased
Previous
3.68%
Current
2.32%
Delta
-1.36%
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.