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

CFR · Dec 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

Filing0000039263-23-000008Bank
Sequential deposit growth0thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

-5.60% · CORE · VALID

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

Yoy · gp.fundamentals.net_income

30.71% · CORE · VALID

Interest-expense growth95thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

671.64% · CORE · VALID

Interest-income growth95thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

46.29% · CORE · VALID

Cash and equivalentsRAWCurrent state valid · history insufficient
Evidence method

Level · gp.fundamentals.cash

$12.0B · CORE · NOT_ENOUGH_HISTORY

Sequential loan growth40thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

1.26% · 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 Decreased
Previous
2.10%
Current
-5.60%
Delta
-7.70%
Earnings Growth Decreased
Previous
57.22%
Current
30.71%
Delta
-26.51%
Funding Cost Growth Decreased
Previous
763.45%
Current
671.64%
Delta
-91.81%
Interest Income Growth Decreased
Previous
61.88%
Current
46.29%
Delta
-15.60%
Liquidity Decreased
Previous
$13.6B
Current
$12.0B
Delta
-$1.6B
Loan Growth Decreased
Previous
1.33%
Current
1.26%
Delta
-0.07%
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.