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. files its annual report outlining its 2025 operations, risk profile and regulatory environment. The San Antonio‑based financial holding company reports consolidated total assets of $53.0 billion at December 31, 2025, with principal subsidiary Frost Bank holding $53.1 billion in assets and $43.3 billion in deposits.
The company operates about 204 financial centers and 1,760 ATMs across Texas, offering commercial and consumer banking, wealth, insurance, brokerage and capital markets services through two segments: Banking and Frost Wealth Advisors. Trust assets carried an estimated fair value of $51.0 billion, split between managed and custody balances.
Cullen/Frost emphasizes a community‑banking culture with centralized support, highlighting diversified industry exposure and a long‑tenured workforce of 6,008 full‑time equivalent employees. The filing details extensive supervision by the Federal Reserve, FDIC, Texas regulators, SEC and CFPB, capital and liquidity rules, deposit insurance assessments, cybersecurity expectations and evolving consumer and ESG‑related requirements.
Cullen/Frost Bankers executive Bobby Berman reported a stock sale. On 01/30/2026, Berman, the company’s GEVP of Research & Strategy, sold 1,000 shares of Cullen/Frost Bankers, Inc. common stock at a price of $137.07 per share. After this transaction, he beneficially owned 28,406 shares, including 166 shares held through the Cullen/Frost Bankers, Inc. Thrift Stock Plan.
A holder of 1,000 shares of common stock has filed notice of a planned sale under Rule 144. The shares have an aggregate market value of $137,070 and are expected to be sold on the NYSE through Fidelity Brokerage Services LLC on or about 01/30/2026.
The securities were originally acquired from the issuer on 02/07/2025 as compensation, with the consideration also described as compensation. The filer represents they are not aware of any undisclosed material adverse information about the issuer’s current or prospective operations.
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. officer Ericka L. Pullin reported a small sale of company stock. On 12/12/2025, she sold 0.335 shares of common stock at a price of $129.725 per share.
After this transaction, she directly owned 2,024.414 shares of Cullen/Frost common stock and indirectly owned 3,900.817 shares through a 401(k) plan. The report was filed as a Form 4 for one reporting person in her role as Group Executive Vice President, Culture & People Development.
Cullen/Frost Bankers executive reports stock sale and gift
A Group Executive Vice President and General Counsel of Cullen/Frost Bankers, Inc. reported routine changes in company stock ownership. On 12/09/2025, the insider sold 700 shares of common stock at $127 per share. On the same date, the insider reported a gift of 495 shares of common stock at a reported price of $0, reflecting a transfer rather than an open-market sale.
After these transactions, the insider directly owned 3,300 shares of Cullen/Frost common stock, and an additional 733.933 shares were held indirectly through a 401(k) plan. The filing indicates it was submitted for one reporting person in the role of officer, serving as Group EVP, General Counsel and Secretary.
Cullen/Frost Bankers, Inc. insider transaction: Chairman and CEO Phillip D. Green, who is also a director of Cullen/Frost Bankers, Inc. (ticker CFR), reported a gift of 2,892 shares of common stock on 12/05/2025, at a reported price of $0 per share (transaction code G, which indicates a gift.
Following this transaction, Mr. Green directly owns 105,296 shares of Cullen/Frost common stock. He also reports indirect ownership of 38,865 shares held in trusts for his children, 1,100 shares held by his spouse, and 370.206 shares held through a 401(k) plan. The filing notes that some of Mr. Green's children are beneficiaries of trusts for which he serves as trustee.
State Street Corporation filed a Schedule 13G reporting beneficial ownership of 3,373,876 shares of Cullen/Frost Bankers, Inc. (CFR) common stock, representing 5.2% of the class as of the event date 09/30/2025.
The filing shows 0 shares with sole voting power and 439,517 shares with shared voting power. It reports 0 shares with sole dispositive power and 3,373,476 shares with shared dispositive power. The filer’s type is listed as HC (parent holding company), with advisory subsidiaries identified.
The certification states the securities were acquired and are held in the ordinary course of business and not for the purpose of changing or influencing control of the issuer.
Cullen/Frost Bankers, Inc. (CFR) filed a Form 13F Holdings Report detailing its institutional equity positions. The filing lists 1,321 information table entries with an aggregate value of $8,607,096,937. The report identifies 3 other included managers: Frost Bank - FWA; Frost Investment Advisors, LLC; and Frost Investment Services, LLC. This is a full 13F holdings report, indicating all positions managed by the reporting manager are included.