Capital and Regulatory Matters (Tables)

9 Months Ended

Sep. 30, 2021

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

The following table presents actual and required capital ratios as of September 30, 2021 and December 31, 2020 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 2020 Form 10-K for a more detailed discussion of the Basel III Capital Rules.


	Actual				Minimum Capital Required - Basel III				Required to be Considered Well Capitalized
	Capital Amount		Ratio		Capital Amount		Ratio		Capital Amount		Ratio
September 30, 2021
Common Equity Tier 1 to Risk-Weighted Assets
Cullen/Frost	$	3,300,979	13.42	%	$	1,722,459	7.00	%	$	1,599,426	6.50	%
Frost Bank	3,215,116		13.09		1,719,451		7.00		1,596,633		6.50
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost	3,446,431		14.01		2,091,558		8.50		1,968,525		8.00
Frost Bank	3,215,116		13.09		2,087,905		8.50		1,965,087		8.00
Total Capital to Risk-Weighted Assets
Cullen/Frost	3,911,272		15.90		2,583,689		10.50		2,460,656		10.00
Frost Bank	3,446,957		14.03		2,579,177		10.50		2,456,359		10.00
Leverage Ratio
Cullen/Frost	3,446,431		7.52		1,833,156		4.00		2,291,445		5.00
Frost Bank	3,215,116		7.02		1,832,498		4.00		2,290,623		5.00




December 31, 2020
Common Equity Tier 1 to Risk-Weighted Assets
Cullen/Frost	$	3,058,447	12.86	%	$	1,664,867	7.00	%	$	1,545,948	6.50	%
Frost Bank	3,030,093		12.77		1,661,620		7.00		1,542,933		6.50
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost	3,203,899		13.47		2,021,624		8.50		1,902,705		8.00
Frost Bank	3,030,093		12.77		2,017,682		8.50		1,898,995		8.00
Total Capital to Risk-Weighted Assets
Cullen/Frost	3,672,912		15.44		2,497,300		10.50		2,378,381		10.00
Frost Bank	3,266,106		13.76		2,492,430		10.50		2,373,743		10.00
Leverage Ratio
Cullen/Frost	3,203,899		8.07		1,589,004		4.00		1,986,255		5.00
Frost Bank	3,030,093		7.63		1,588,200		4.00		1,985,250		5.00