Capital and Regulatory Matters (Tables)

3 Months Ended

Mar. 31, 2020

Banking and Thrift [Abstract]

Actual and Required Capital Ratios

The following tables present actual and required capital ratios as of March 31, 2020 and December 31, 2019 for Cullen/Frost and Frost Bank under the Basel III Capital Rules. Capital levels required to be considered well capitalized are based upon prompt corrective action regulations, as amended to reflect the changes under the Basel III Capital Rules. See the 2019 Form 10-K for a more detailed discussion of the Basel III Capital Rules. After a review of risk-weight classifications during the first quarter of 2019, risk-weightings for certain loans were reclassified. Amounts reported as of December 31, 2019 have been revised to reflect these reclassifications.

	Actual				Minimum Capital Required - Basel III				Required to be Considered Well Capitalized
	Capital Amount		Ratio		Capital Amount		Ratio		Capital Amount		Ratio
March 31, 2020
Common Equity Tier 1 to Risk-Weighted Assets
Cullen/Frost	$	2,884,385	12.02	%	$	1,679,810	7.00	%	$	1,559,824	6.50	%
Frost Bank	2,924,082		12.21		1,676,269		7.00		1,556,535		6.50
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost	2,884,385		12.02		2,039,770		8.50		1,919,783		8.00
Frost Bank	2,924,082		12.21		2,035,469		8.50		1,915,736		8.00
Total Capital to Risk-Weighted Assets
Cullen/Frost	3,352,464		13.97		2,519,715		10.50		2,399,729		10.00
Frost Bank	3,159,161		13.19		2,514,403		10.50		2,394,670		10.00
Leverage Ratio
Cullen/Frost	2,884,385		8.84		1,305,429		4.00		1,631,786		5.00
Frost Bank	2,924,082		8.97		1,304,257		4.00		1,630,322		5.00

December 31, 2019
Common Equity Tier 1 to Risk-Weighted Assets
Cullen/Frost	$	2,857,250	12.36	%	$	1,617,886	7.00	%	$	1,502,323	6.50	%
Frost Bank	2,958,326		12.82		1,615,206		7.00		1,499,834		6.50
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost	3,001,736		12.99		1,964,576		8.50		1,849,013		8.00
Frost Bank	2,958,326		12.82		1,961,322		8.50		1,845,950		8.00
Total Capital to Risk-Weighted Assets
Cullen/Frost	3,367,403		14.57		2,426,829		10.50		2,311,266		10.00
Frost Bank	3,090,993		13.40		2,422,809		10.50		2,307,438		10.00
Leverage Ratio
Cullen/Frost	3,001,736		9.28		1,293,188		4.00		1,616,485		5.00
Frost Bank	2,958,326		9.15		1,292,743		4.00		1,615,929		5.00