Cullen/Frost Bankers (CFR) furnishes 2025 full-year and Q4 results release

Rhea-AI Filing Summary

Cullen/Frost Bankers, Inc. filed a current report to furnish a press release announcing its financial results for the quarter and year ended December 31, 2025. The press release, dated January 29, 2026, is attached as Exhibit 99.1. The company clarifies that this earnings information is being furnished, not filed, which limits how it is treated under federal securities laws.

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United States

Securities and Exchange Commission

Washington, D.C. 20549

Form 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 29, 2026

Cullen/Frost Bankers, Inc.

(Exact name of registrant as specified in its charter)

Texas

001-13221

74-1751768

(State or other jurisdiction of incorporation or organization)

(Commission File Number)

(I.R.S. Employer Identification No.)

111 W. Houston Street,

San Antonio,

Texas

78205

(Address of principal executive offices)

(Zip code)

			(210)			220-4011
(Registrant's telephone number, including area code)

N/A

(Former name, former address and former fiscal year, if changed since last report

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, $.01 Par Value

CFR

New York Stock Exchange

Depositary Shares, each representing a 1/40th interest in a share of 4.450% Non-Cumulative Perpetual Preferred Stock, Series B

CFR.PrB

New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company    ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.    ☐

Item 2.02    Results of Operations and Financial Condition

Attached as Exhibit 99.1 and incorporated into this item by reference is a press release issued by the Registrant on January 29, 2026 regarding its financial results for the quarter and year ended December 31, 2025. The information furnished by the Registrant pursuant to this item shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, or otherwise subject to the liability of that section, and shall not be deemed to be incorporated by reference into any filing under the Securities Act of 1933 or the Securities Exchange Act of 1934.

Item 9.01    Financial Statements and Exhibits

(d)   Exhibits:

99.1    Press Release.

104    Cover Page Interactive Data File - The cover page XBRL tags are embedded within the inline XBRL document.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

    CULLEN/FROST BANKERS, INC.

    By:    /s/ Daniel J. Geddes    

        Daniel J. Geddes

        Group Executive Vice President

        and Chief Financial Officer

    Dated:    January 29, 2026

EXHIBIT INDEX

Exhibit Number						Description
99.1						Press Release.
104						Cover Page Interactive Data File - The cover page XBRL tags are embedded within the inline XBRL document.

FAQ

What did Cullen/Frost Bankers, Inc. (CFR) disclose in this 8-K filing?

Cullen/Frost Bankers, Inc. furnished a press release announcing its financial results for the quarter and year ended December 31, 2025. The release is included as Exhibit 99.1 and is treated as furnished rather than filed for securities law purposes.

What period do the Cullen/Frost (CFR) results in the attached press release cover?

The attached press release covers Cullen/Frost’s financial results for both the quarter and the full year ended December 31, 2025. The company issued this press release on January 29, 2026 and furnished it under Item 2.02 of the 8-K.

How is the Cullen/Frost (CFR) earnings press release treated under securities laws?

The earnings press release is expressly described as furnished, not filed, under Section 18 of the Securities Exchange Act of 1934. This limits associated liability and means it is not automatically incorporated into Securities Act or Exchange Act filings.

Which exhibits are included with this Cullen/Frost (CFR) 8-K?

The 8-K includes Exhibit 99.1, which is the press release detailing financial results, and Exhibit 104, the cover page interactive data file. The interactive data file contains the cover page XBRL tags embedded in the inline XBRL document.

Who signed the Cullen/Frost (CFR) 8-K reporting the 2025 results release?

The report was signed on behalf of Cullen/Frost Bankers, Inc. by Daniel J. Geddes, Group Executive Vice President and Chief Financial Officer. His signature appears under the standard Exchange Act signature block for duly authorized officers.