Capital and Regulatory Matters (Tables)

9 Months Ended

Sep. 30, 2020

Banking Regulation, Common Equity Tier One Risk-Based Capital [Abstract]

The following table presents actual and required capital ratios as of September 30, 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
September 30, 2020
Common Equity Tier 1 to Risk-Weighted Assets
Cullen/Frost	$	3,003,029	12.71	%	$	1,654,073	7.00	%	$	1,535,925	6.50	%
Frost Bank	3,010,290		12.76		1,651,191		7.00		1,533,249		6.50
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost	3,003,029		12.71		2,008,517		8.50		1,890,369		8.00
Frost Bank	3,010,290		12.76		2,005,018		8.50		1,887,076		8.00
Total Capital to Risk-Weighted Assets
Cullen/Frost	3,471,898		14.69		2,481,109		10.50		2,362,961		10.00
Frost Bank	3,246,159		13.76		2,476,787		10.50		2,358,845		10.00
Leverage Ratio
Cullen/Frost	3,003,029		7.85		1,530,584		4.00		1,913,230		5.00
Frost Bank	3,010,290		7.87		1,530,076		4.00		1,912,596		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