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 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.
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. Chairman and CEO Phillip D. Green reported a transfer of 912 shares of common stock on 02/10/2026, coded "G" at a reported price of $0 per share. After this transaction, he directly beneficially owns 110,879 common shares.
He also reports indirect ownership of 1,100 shares through his spouse, 373.04 shares through a 401(k) plan, and 38,865 shares held in trusts for his children, where he serves as trustee and his children are beneficiaries.
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. director Marsha McCombs Shields filed an initial ownership report showing no beneficial ownership of the company’s common stock. The Form 3 indicates she is a director of Cullen/Frost and that she holds 0 shares of common stock directly following the reporting date.