Welcome to our dedicated page for Cullen Frost Bankers SEC filings (Ticker: CFR), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Cullen/Frost Bankers, Inc. (NYSE: CFR) SEC filings page on Stock Titan provides streamlined access to the company’s regulatory disclosures as a Texas-based financial holding company. Cullen/Frost, through its Frost Bank subsidiary, is one of the 50 largest U.S. banks, and its filings offer detailed insight into capital, credit quality, earnings drivers and governance.
Investors can use this page to monitor annual reports on Form 10-K and quarterly reports on Form 10-Q, which discuss net interest income, non-interest income categories, loan and deposit trends, credit loss expense, non-accrual loans and allowance for credit losses. These filings also describe regulatory capital ratios, including Common Equity Tier 1, Tier 1 and Total Risk-Based Capital ratios, which Cullen/Frost reports as exceeding well-capitalized levels and Basel III minimum requirements in its earnings materials.
Current reports on Form 8-K appear here as they are filed, covering items such as quarterly earnings press releases, investor presentations and other material events. Recent 8-K filings have attached earnings releases and investor slide decks, and have reaffirmed that Cullen/Frost common stock and its Series B preferred depositary shares trade on the New York Stock Exchange under the symbols CFR and CFR.PrB.
Stock Titan enhances these documents with AI-powered summaries that highlight key points from lengthy filings, helping users quickly understand changes in credit metrics, capital ratios, non-interest income composition and board actions on dividends or share repurchases. Real-time updates from the SEC’s EDGAR system ensure that new filings, including any Form 4 insider transaction reports or proxy-related disclosures, are added as they become available.
By combining raw SEC documents with AI-generated explanations, this page helps readers interpret Cullen/Frost’s regulatory reporting, assess its Texas-focused banking operations and follow developments in its capital and risk profile without having to parse every line of each filing manually.
Cullen/Frost Bankers, Inc. Chairman and CEO Phillip D. Green reported a transfer of 912 shares of common stock on 02/10/2026, coded "G" at a reported price of $0 per share. After this transaction, he directly beneficially owns 110,879 common shares.
He also reports indirect ownership of 1,100 shares through his spouse, 373.04 shares through a 401(k) plan, and 38,865 shares held in trusts for his children, where he serves as trustee and his children are beneficiaries.
Cullen/Frost Bankers, Inc. filed an 8-K to furnish an investor presentation dated December 31, 2025, highlighting its Texas-focused banking franchise and long-term performance. The company reported market capitalization of $8.1 billion, total assets of $53.0 billion, total loans of $21.9 billion and total deposits of $42.9 billion.
The presentation emphasizes a relationship-banking model, 32 consecutive years of dividend increases to $3.95 per share in 2025, and diversified revenues, with non-interest income making up 22.4% of total revenue. Management underscores conservative credit culture, strong capital ratios such as a 14.06% Common Equity Tier 1 ratio, and a primarily deposit-funded balance sheet with a 50.3% loan-to-deposit ratio.
Cullen/Frost details an organic expansion strategy across major Texas markets, noting a 51% increase in branches since 2018, expansion loans of $2.4 billion and deposits of $3.0 billion as of December 31, 2025. The bank highlights attractive Texas demographics, technology investments, and a high-quality securities and municipal bond portfolio supporting liquidity and earnings.
Cullen/Frost Bankers, Inc. director Marsha McCombs Shields filed an initial ownership report showing no beneficial ownership of the company’s common stock. The Form 3 indicates she is a director of Cullen/Frost and that she holds 0 shares of common stock directly following the reporting date.
Cullen/Frost Bankers, Inc. executive Annette M. Alonzo, GEVP Chief HR Officer, reported stock transactions in common shares. On February 5, 2026, she acquired 1,638 shares at $0, representing shares earned from performance stock units granted in October 2022 for a three-year performance period ending December 31, 2025.
On the same date, she disposed of 690 shares at $143.6 per share. After these transactions, she directly owned 20,131 common shares, which include 134 shares acquired through the company’s Thrift Stock Plan, and indirectly held 15,800.948 shares through a 401(k) plan.
Cullen/Frost Bankers executive Bobby Berman reported routine stock transactions. On February 5, 2026, he acquired 1,293 shares of common stock at $0, representing shares earned from performance stock units for a three-year period ending December 31, 2025.
On the same date, he disposed of 549 shares at $143.6 per share, leaving 29,150 shares of common stock held directly. He also beneficially owns 19,130.724 shares indirectly through a 401(k) plan.
Cullen/Frost Bankers president Paul Bracher reported stock transactions dated February 5, 2026. He acquired 2,299 shares of common stock at $0, representing shares earned from performance stock units granted on October 25, 2022 for a three-year period ending December 31, 2025. He also sold 940 shares at $143.6 per share. After these transactions, he directly beneficially owned 108,679 shares and indirectly held 51,400.047 shares through a 401(k) plan.
Cullen/Frost Bankers Chairman and CEO Phillip D. Green reported stock transactions dated February 5, 2026. He acquired 9,124 shares of common stock at $0, representing shares earned from performance stock units granted in October 2022 for a three-year performance period ending December 31, 2025. He also sold 3,601 shares of common stock at $143.60 per share. After these transactions, he directly owned 111,791 shares, with additional indirect holdings through trusts for children, his spouse, and a 401(k) plan.
Cullen/Frost Bankers executive Howard L. Kasanoff, GEVP Chief Credit Officer, reported equity award vesting and a stock sale. On February 5, 2026, he acquired 882 shares of common stock at $0, representing performance stock units earned for a three-year period ending December 31, 2025. On the same date, he sold 393 shares at $143.60 per share. After these transactions, he held 4,212 direct shares and 3,608.605 shares indirectly through a 401(k) plan, which includes 102 shares from the company’s Thrift Stock Plan.
Cullen/Frost Bankers executive Coolidge E. Rhodes Jr., Group EVP and General Counsel/Secretary, reported both a stock award and a sale of company shares. On February 5, 2026, he acquired 1,724 shares of common stock at $0, representing shares earned from performance stock units granted on October 25, 2022 for a three-year period ending December 31, 2025, as approved by the Compensation & Benefits Committee.
On the same date, he sold 716 shares of common stock at $143.6 per share. After these transactions, he directly owned 4,610 shares and indirectly held 765.644 shares through a 401(k) plan. His reported holdings also include 302 shares acquired through the Cullen/Frost Bankers, Inc. Thrift Stock Plan.
Cullen/Frost Bankers executive Carol Jean Severyn, GEVP and Chief Risk Officer, reported stock transactions dated February 5, 2026. She acquired 1,681 shares of common stock at $0, representing shares earned from performance stock units for a three-year period ending December 31, 2025. On the same day, she disposed of 700 shares at $143.60 per share. Following these transactions, she directly owned 13,549 common shares and indirectly held 9,224.672 shares through a 401(k) plan.