Every 8-K that Cullen/Frost Bankers Inc. (CFR) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 8-K covers material events a company has to report between its quarterly reports, so if you follow CFR and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CFR filings page.
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.
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. reported higher first quarter 2026 results, with net income available to common shareholders of $169.3 million, up from $149.3 million a year earlier. Diluted earnings per share rose to $2.65 from $2.30.
Net interest income on a taxable-equivalent basis increased 5.6% year over year to $460.8 million, while non-interest income grew 9.9% to $136.3 million. Average loans rose 5.9% to $22.0 billion and average deposits edged up to $42.2 billion, showing continued franchise growth.
Non-interest expense increased 5.1% to $365.7 million, reflecting higher salaries, benefits, technology and other costs. Asset quality remained stable, with net charge-offs at $5.7 million and non-accrual loans at $72.4 million. Regulatory capital stayed strong, including a Common Equity Tier 1 ratio of 14.07%.
The board raised the quarterly common dividend by 3.0% to $1.03 per share and the company repurchased 507,753 shares for $70.0 million during the quarter, leaving $230 million under its current buyback authorization.
Cullen/Frost Bankers, Inc. reported the results of its April 29, 2026 annual shareholder meeting. Shareholders elected fourteen directors to one-year terms, with each nominee receiving more than 50 million votes in favor and additional broker non-votes recorded on the election item.
Shareholders also gave nonbinding approval to the company’s executive compensation program, with 50,928,898 votes for, 1,530,796 against and 153,686 abstentions, alongside 6,451,057 broker non-votes. In addition, they ratified Ernst & Young LLP as independent auditors for the fiscal year beginning January 1, 2026, with 57,710,536 votes for, 1,237,323 against and 116,578 abstentions.
Cullen/Frost Bankers, Inc. filed an amended report to furnish an updated investor presentation as of December 31, 2025, replacing a prior version to expand technology strategy detail, refresh peer data, and correct certain items. The presentation highlights a Texas-focused franchise with $53.0 billion in total assets, $21.9 billion in loans, and $42.9 billion in deposits. It notes 32 consecutive years of dividend increases, reaching $3.95 per share in 2025, strong capital ratios including a 14.06% common equity Tier 1 ratio, and a conservative loan-to-deposit ratio of 50.3%. Management emphasizes a long-term organic expansion strategy across key Texas markets, supported by ongoing digital modernization and a diversified loan and fee-income mix.
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. announced board changes following the planned retirement of director Dr. Chris Avery, who will not stand for re-election when his term ends at the 2026 Annual Meeting of Shareholders scheduled for April 29, 2026.
Effective January 28, 2026, the board elected Marsha M. Shields and Jeffrey M. Rummel as new directors and expanded the board from thirteen to fifteen members. The board determined both are independent under New York Stock Exchange standards and SEC Rule 10A-3, and each will serve on the Audit and Risk Committees with compensation consistent with other non-employee directors.
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.
Cullen/Frost Bankers, Inc. furnished an 8-K announcing it issued a press release covering financial results for the quarter ended September 30, 2025. The press release is attached as Exhibit 99.1 and incorporated by reference into Item 2.02.
The company notes the information provided under Item 2.02 is furnished and not deemed filed under the Exchange Act. Additional exhibits include the cover page Inline XBRL data (Exhibit 104).
Cullen/Frost Bankers, Inc. (CFR) furnished an investor presentation dated June 30, 2025 and posted it on its investor website at https://investor.frostbank.com. The company filed this Current Report to furnish Exhibit 99.1 (the slide presentation) and included standard forward-looking statements language, noting it does not undertake an obligation to update those statements and referring readers to its most recent annual report filed on February 6, 2025 for risk factors. The filing clarifies the furnished exhibit is not deemed "filed" under the Exchange Act and includes an electronic signature by Matthew B. Henson, EVP and Chief Accounting Officer.