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.
Pierce Joseph A. reported acquisition or exercise transactions in this Form 4 filing.
CULLEN/FROST BANKERS, INC. director Joseph A. Pierce reported receiving a grant of deferred stock units tied to the company’s common stock. The award covers 630 deferred stock units, each representing the right to receive one share of common stock. Following this grant, Pierce now holds 2,860 deferred stock units directly. The units vested on April 29, 2026, and the underlying shares will be delivered when he experiences a separation from service with the company.
State Street Corporation reports beneficial ownership of 3,101,236 shares of Cullen/Frost Bankers Inc common stock, representing 4.9% of the class as of 03/31/2026. The filing shows shared voting power of 436,670 shares and shared dispositive power of 3,100,836 shares held on behalf of multiple State Street affiliates.
Cullen/Frost Bankers, Inc. filed a Form 13F-HR reporting institutional holdings through its reporting manager group. The filing lists 1,393 information-table entries with a total market value of $8,805,425,248 and names three other included managers. The report is signed by Coolidge E. Rhodes, Jr..
Cullen/Frost Bankers, Inc. reported higher earnings for the three months ended March 31, 2026, as net income rose to $170.99 million from $150.92 million a year earlier and diluted EPS increased to $2.65 from $2.30.
Net interest income grew to $438.52 million while interest expense declined, and credit loss expense fell to $6.75 million. Non-interest income increased, led by trust and investment management fees and deposit service charges. Total loans reached $22.43 billion and deposits were $42.84 billion.
Asset quality remained controlled with non-accrual loans at $72.35 million and an allowance for credit losses on loans of $286.22 million. Capital ratios stayed strong, including a Common Equity Tier 1 ratio of 14.07% and a leverage ratio of 9.13%. The company repurchased 507,753 shares for $70.0 million and paid a $1.00 per share common dividend.
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. ownership disclosure: Vanguard Capital Management reports beneficial ownership of 3,185,170 shares of Common Stock, representing 5.05% of the class. The filing states Vanguard has sole dispositive power over 3,185,170 shares and sole voting power over 475,125 shares. The filing notes this reflects holdings across Vanguard Capital Management LLC and specified affiliates and includes shares held by Vanguard funds and managed accounts. The signature block shows the report was signed by Ashley Grim, Head of Global Fund Administration, on 04/29/2026.
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 ownership disclosure: Vanguard Portfolio Management reports beneficial ownership of 3,233,261 shares of Common Stock, equal to 5.13% of the class. The filing lists 8,442 shares with sole voting power and 3,233,261 with sole dispositive power. The form is signed on 04/29/2026.
Cullen/Frost Bankers Inc ownership filing: The Vanguard Group filed Amendment No. 12 to report 0 shares beneficially owned, representing 0% of the Common Stock as of the filing. The filing explains an internal realignment at January 12, 2026 that led to disaggregated reporting by Vanguard subsidiaries.
The amendment is signed by Ashley Grim, Head of Global Fund Administration, on 03/26/2026. It states Vanguard entities listed now report separately in reliance on SEC Release No. 34-39538.
Cullen/Frost Bankers, Inc. reported strong 2025 results, with consolidated total assets of $53.0 billion and net income available to common shareholders of $642 million for the year, a 11.5% increase from 2024. Management attributes performance to loan and deposit growth, reinvestment of maturing assets at higher rates, branch expansion that began to produce accretion in 3Q 2025, and mortgage product momentum that produced $595 million of mortgage loans on the balance sheet at year-end. The company ended the year with total deposits of $43.3 billion and shareholders’ equity of $4,573,036.