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.
Aristotle Capital Management, LLC reports beneficial ownership of 5,598,812 shares of Cullen/Frost Bankers common stock, representing 8.7% of the class. Aristotle is organized in California and is classified as an investment adviser (IA). The filing shows Aristotle holds sole voting and sole dispositive power for all 5,598,812 shares. Those shares are owned by various investment advisory clients, and Aristotle is deemed a beneficial owner because it has discretionary authority to vote or dispose of the shares on their behalf. The filer certifies the holdings are maintained in the ordinary course of business and not for the purpose of changing or influencing control.
Cullen/Frost Bankers (CFR) posted solid YoY earnings growth for Q2-25. Net income rose 7.9% to $157.0 mm, driving diluted EPS to $2.39 versus $2.21. Net interest income advanced 8.3% to $429.6 mm as interest expense fell 13.6% to $172.4 mm, offsetting modest loan growth (+2.4% since 12-24 to $21.25 bn) and a 12 bp increase in the credit-loss provision to $13.1 mm. Non-interest income improved 5.5% to $117.3 mm on higher trust, service-charge and insurance fees.
Balance-sheet trends were mixed. Total assets slipped 2.1% since year-end to $51.4 bn, driven by a $3.1 bn draw-down in cash and deposits as excess liquidity was redeployed into AFS securities (+$1.6 bn). Deposits declined 2.4% to $41.68 bn, while repurchase agreements edged up to $4.42 bn. Shareholders’ equity strengthened 7.8% to $4.20 bn as retained earnings grew and AOCI improved by $111.5 mm; nonetheless, unrealized losses on AFS securities remain sizeable at $1.45 bn. The allowance for credit losses on loans stands at 1.31% of loans ($277.8 mm).
Operating efficiency tightened. Non-interest expense increased 9.5% YoY to $347.1 mm, led by wage, technology and benefit costs, pressuring the expense ratio. YTD cash flow was negative $3.1 bn, reflecting heavy securities purchases ($8.3 bn) and a $1.0 bn deposit outflow, partly funded by sale maturities and repo growth. CFR paid $1.00/sh common dividend in Q2 and $1.95/sh YTD, plus $3.3 mm preferred dividends.
Cullen/Frost Bankers, Inc. (CFR) filed a Form 13F-HR for the quarter ended 30 Jun 2025.
The filing is a full 13F Holdings Report, disclosing 1,298 equity positions with an aggregate market value of $7.98 billion (rounded). The parent reports on behalf of three affiliated managers: Frost Bank-FWA, Frost Investment Advisors, and Frost Investment Services. No amendment or restatement flags were marked.
The document was signed by Group Executive VP & General Counsel Coolidge E. Rhodes, Jr. on 29 Jul 2025, certifying the accuracy of the submission. Detailed position-level data are not included in the excerpt.