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

CFR · Jun 30, 2025

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

Filing0000039263-25-000101Bank
Sequential deposit growth20thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

-1.67% · CORE · VALID

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

Yoy · gp.fundamentals.net_income

7.91% · CORE · VALID

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

Yoy · gp.financial.interest_expense

-13.64% · CORE · VALID

Interest-income growth35thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

0.95% · CORE · VALID

Cash and equivalents8thOwn-history percentile · N=13
Evidence method

Level · gp.fundamentals.cash

$7.1B · CORE · VALID

Sequential loan growth55thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

1.69% · 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
-0.78%
Current
-1.67%
Delta
-0.89%
Earnings Growth Decreased
Previous
11.23%
Current
7.91%
Delta
-3.32%
Funding Cost Growth Decreased
Previous
-13.59%
Current
-13.64%
Delta
-0.05%
Interest Income Growth Increased
Previous
-0.07%
Current
0.95%
Delta
1.02%
Liquidity Decreased
Previous
$7.9B
Current
$7.1B
Delta
-$737.3M
Loan Growth Increased
Previous
0.70%
Current
1.69%
Delta
0.99%
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.