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

CFR · Jun 30, 2026

CULLEN/FROST BANKERS, INC.. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 4[email protected]
Inspectable configuration

State dimensions

Filing0000039263-26-000046Bank
Sequential deposit growth50thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

1.16% · CORE · VALID

Net-income growth45thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

9.59% · CORE · VALID

Interest-expense growth30thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

-14.69% · CORE · VALID

Interest-income growth10thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

-1.20% · CORE · VALID

Cash and equivalents0thOwn-history percentile · N=17
Evidence method

Level · gp.fundamentals.cash

$6.5B · CORE · VALID

Sequential loan growth70thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

2.46% · 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
-0.19%
Current
1.16%
Delta
1.35%
Earnings Growth Decreased
Previous
13.29%
Current
9.59%
Delta
-3.71%
Funding Cost Growth Increased
Previous
-17.44%
Current
-14.69%
Delta
2.75%
Interest Income Growth Increased
Previous
-1.22%
Current
-1.20%
Delta
0.03%
Liquidity Decreased
Previous
$7.1B
Current
$6.5B
Delta
-$677.2M
Loan Growth Decreased
Previous
2.48%
Current
2.46%
Delta
-0.02%
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.

Mar 31, 2026
Similarity
91%
Compared
6 dimensions
Coverage
100%
Liquidity 12.5 · Loan Growth 5.0 · Deposit Growth 15.0 · Earnings Growth 10.0 · Funding Cost Growth 0.0 · Interest Income Growth 5.0
Jun 30, 2025
Similarity
82%
Compared
6 dimensions
Coverage
100%
Liquidity 7.7 · Loan Growth 15.0 · Deposit Growth 30.0 · Earnings Growth 10.0 · Funding Cost Growth 10.0 · Interest Income Growth 25.0
Sep 30, 2020
Similarity
75%
Compared
5 dimensions
Coverage
83%
Loan Growth 25.0 · Deposit Growth 20.0 · Earnings Growth 35.0 · Funding Cost Growth 30.0 · Interest Income Growth 10.0
Mar 31, 2022
Similarity
73%
Compared
5 dimensions
Coverage
83%
Loan Growth 35.0 · Deposit Growth 20.0 · Earnings Growth 25.0 · Funding Cost Growth 20.0 · Interest Income Growth 30.0
Jun 30, 2024
Similarity
73%
Compared
6 dimensions
Coverage
100%
Liquidity 11.1 · Loan Growth 15.0 · Deposit Growth 30.0 · Earnings Growth 15.0 · Funding Cost Growth 20.0 · Interest Income Growth 50.0
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.