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.
Cullen/Frost Bankers, Inc. filings document the financial reporting, governance and capital structure of a Texas financial holding company whose Frost subsidiary provides banking, investment and insurance services. Form 8-K reports furnish quarterly and annual results, earnings press releases, Regulation FD investor presentations and board-related events.
Proxy and shareholder-vote filings cover director elections, annual meeting matters, executive compensation and governance practices. The company’s Exchange Act records also identify its NYSE-listed common stock and depositary shares representing interests in Series B non-cumulative perpetual preferred stock, along with disclosure topics such as dividends, repurchase authorization, technology strategy and forward-looking risk language for banking operations.
Cullen/Frost Bankers, Inc. furnished an investor presentation dated June 30, 2026 describing its franchise, risk factors, financial profile, and organic growth strategy in Texas. The company highlights a relationship-focused banking model, a branch footprint exclusively in Texas, and recognition for customer satisfaction.
The presentation reports a market capitalization of $9.7 billion, total assets of $53.9 billion, total deposits of $43.3 billion, and total loans of $23.0 billion as of June 30, 2026. Capital ratios include a Common Equity Tier 1 ratio of 13.95% and a Tier 1 leverage ratio of 10.02%. A 15‑year total return of 325.2% is shown versus 293.9% for the S&P 500 and 157.2% for the S&P Regional Bank Index.
Management emphasizes diversified loans (80% commercial, 20% consumer), a Q2‑2026 loans‑to‑deposits ratio of 53.0%, and non‑interest income comprising 23.0% of first‑half‑2026 revenue. The materials outline continued digital investments, conservative credit quality metrics, and an organic expansion program across major Texas markets, while also listing extensive macro, geopolitical, and trade policy risks that could adversely affect performance.
State Street Corporation reported beneficial ownership of common stock of Cullen/Frost Bankers, Inc.. State Street and its investment management subsidiaries collectively hold 3,218,876 shares of Cullen/Frost common stock, representing 5.1% of the class.
State Street reports no sole voting or dispositive power over the shares. It has shared voting power over 473,803 shares and shared dispositive power over 3,218,476 shares, reflecting holdings managed through entities such as SSGA Funds Management, Inc. and State Street Global Advisors affiliates.
Cullen/Frost Bankers, Inc. reported Q2 2026 net income of 172,059 (dollars in thousands), up from 157,003 in Q2 2025. Net income for the first six months of 2026 was 343,046 versus 307,925 a year earlier. Basic and diluted EPS were 2.70 for Q2 and 5.35 for the six-month period, compared with 2.39 and 4.69 in 2025.
Net interest income rose to 447,728 in Q2 2026 from 429,604, with credit loss expense lower at 9,767 versus 13,129. Non-interest income increased to 128,281, while non-interest expense rose to 361,700. Total assets were 53,881,091 (dollars in thousands) at June 30, 2026, with loans of 22,975,658 and deposits of 43,334,015.
Asset quality metrics show non-accrual loans of 110,150 compared with 70,482 at year-end 2025, and the allowance for credit losses on loans was 283,712 versus 281,495. Capital ratios remained strong: Cullen/Frost’s Common Equity Tier 1 ratio was 13.95% and the total capital ratio 15.74%. Under a 2026 repurchase plan, the company bought back 1,162,708 shares of common stock for 160.0 million during the first half of 2026.
Cullen/Frost Bankers, Inc. reported higher results for the quarter ended June 30, 2026. Net income available to common shareholders was $170.4 million, up from $155.3 million a year earlier, and diluted earnings per share were $2.70 versus $2.39. Returns on average assets and average common equity were 1.30% and 15.41%, respectively. Net interest income on a taxable-equivalent basis rose to $470.1 million, while non-interest income increased to $128.3 million; net interest margin was 3.75%.
Average loans grew to $22.6 billion, and average deposits reached $42.6 billion. For the first six months of 2026, net income available to common shareholders was $339.7 million with EPS of $5.35. Credit loss expense for the quarter was $9.8 million, net charge-offs were $9.5 million, and non-accrual loans increased to $112.7 million, with the allowance for credit losses at 1.23% of loans. Capital remained strong, with a Common Equity Tier 1 ratio of 13.95%. The company repurchased 654,955 shares for $90.0 million and declared a third-quarter common dividend of $1.03 per share.
Cullen/Frost Bankers, Inc. filed a quarterly Form 13F Holdings Report as an institutional investment manager, signed by Group Executive VP and General Counsel Coolidge E. Rhodes, Jr. The report indicates that all reportable holdings for this manager are included.
The filing covers 1,418 individual positions with an aggregate reported value of $10,143,914,623, based on Form 13F reporting rules. The report also identifies 3 other included managers: Frost Bank - FWA, Frost Investment Advisors, LLC, and Frost Investment Services, LLC.
CULLEN/FROST BANKERS, INC. executive Carol Jean Severyn, Group Executive Vice President and Chief Risk Officer, reported an open-market sale of 837 shares of common stock on June 12, 2026 at $148.291 per share. After this sale, she holds 12,712 shares directly and 9,388.292 shares indirectly through a 401(k) plan.
The filing is a Form 144 notice for proposed sales of Common stock associated with a series of restricted stock vesting events dated in 2022. The record lists multiple vesting dates and share quantities (examples: 679 shares vested on 10/23/2022, 43 shares on 11/30/2022, and several smaller tranches). The broker/dealer listed is Fidelity Brokerage Services LLC.
Aristotle Capital Management filed an amendment to Schedule 13G reporting beneficial ownership of 4,765,009 shares (7.54%) of Cullen/Frost Bankers, Inc. The filing states Aristotle holds sole dispositive power over 4,765,009 shares and sole voting power over 4,547,105 shares as of 03/31/2026. The filing notes these shares are owned by various advisory clients and Aristotle is deemed a beneficial owner under Rule 13d-3 due to discretionary authority to vote or direct disposition.
HAEMISEGGER DAVID J reported acquisition or exercise transactions in this Form 4 filing.
CULLEN/FROST BANKERS, INC. director David J. Haemisegger received a grant of 630 deferred stock units, each representing one share of common stock. These deferred stock units vested on April 29, 2026, and shares will be delivered after he experiences a separation from service with the company. Following this award, he holds 10,924 deferred stock units directly.
CULLEN/FROST BANKERS, INC. director Anthony R. Chase reported receiving a grant of deferred stock units as part of his compensation. The filing shows an acquisition of 630 deferred stock units, each representing the right to receive one share of Cullen/Frost common stock.
These deferred stock units vested on April 29, 2026, and the shares will be delivered when he experiences a separation from service with the company. Following this grant, his reported balance is 5,000 deferred stock units held directly, making this a routine, non-cash compensation award rather than an open-market trade.