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. 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.
Cullen/Frost Bankers, Inc. is asking shareholders to vote at its April 29, 2026 annual meeting on four items: electing 14 directors for one-year terms, a nonbinding say‑on‑pay vote, ratifying Ernst & Young LLP as auditor, and any other proper business. The Board recommends voting FOR the three main proposals.
The company highlights a largely independent Board with a lead independent director, six specialized committees (including Risk and Technology & Cybersecurity), and detailed oversight of risk, compliance, ethics, and sustainability. Director recruitment, evaluation, and refreshment are ongoing, with several new independent directors added in 2025 and 2026.
Executive pay is positioned as strongly performance-based: 83% of the CEO’s and 70% of other named executives’ target compensation is at risk, with a significant long‑term equity component. For 2025, net income available to common shareholders was approximately $642 million, 22% above budget, leading to annual incentives at 122% of target. Shareholders previously supported the pay program, with over 96% approval in the 2025 say‑on‑pay vote.
CULLEN/FROST BANKERS, INC. director Crawford H. Edwards reported a bona fide gift of 750 shares of common stock on March 9, 2026, with no sale proceeds.
After this gift, he holds 50,732 shares directly, 76,617 shares through the Crawford Hearne Edwards 2012 Irrevocable Trust, and 53,617 shares as trustee for his sister’s 2012 irrevocable trust.
CULLEN/FROST BANKERS, INC. Group EVP and General Counsel Coolidge E. Rhodes Jr. reported an adjustment related to a previously disclosed stock sale. The filing shows a rescission of a prior sale of 700 shares of common stock and a new sale of the same 700 shares at $127.00 per share on March 6, 2026, following a broker error involving a missed Rule 144(h) notice. After these transactions, he held 5,310 shares directly and 790.22 shares indirectly through a 401(k) plan.