Cullen/Frost Bankers(CFR) - 2023 Q2 - Earnings Call Transcript

PhilGreen Jon, it's an interesting question. Just kind of overall, as we look at these branches and we perform it out, we tend to use, when we began all this, a five-year horizon for the branch to kind of reach maturity. and that was I guess that would be similar profitability to what we were overall. But honestly, it's also true. We don't talk a lot about it, but it's also true that in years six through 10, I think we've seen really more growth than we see in that first five years. As those things mature, ...