Capital and Regulatory Matters (Tables)

9 Months Ended

Sep. 30, 2022

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

Actual and Required Capital Ratios

The following table presents actual and required capital ratios as of September 30, 2022 and December 31, 2021 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 2021 Form 10-K for a more detailed discussion of the Basel III Capital Rules.

	Actual				Minimum Capital Required Plus Capital Conservation Buffer				Required to be Considered Well- Capitalized (1)
	Capital Amount		Ratio		Capital Amount		Ratio		Capital Amount	Ratio
September 30, 2022
Common Equity Tier 1 to Risk-Weighted Assets
Cullen/Frost	$	3,606,527	12.74	%	$	1,981,042	7.00	%	N/A	N/A
Frost Bank	3,595,393		12.71		1,979,976		7.00		1,838,550	6.50	%
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost	3,751,979		13.26		2,405,550		8.50		1,698,036	6.00
Frost Bank	3,595,393		12.71		2,404,257		8.50		2,262,830	8.00
Total Capital to Risk-Weighted Assets
Cullen/Frost	4,187,120		14.80		2,971,562		10.50		2,830,059	10.00
Frost Bank	3,830,534		13.54		2,969,965		10.50		2,828,538	10.00
Leverage Ratio
Cullen/Frost	3,751,979		7.09		2,117,091		4.00		N/A	N/A
Frost Bank	3,595,393		6.79		2,117,519		4.00		2,646,898	5.00
December 31, 2021
Common Equity Tier 1 to Risk-Weighted Assets
Cullen/Frost	$	3,371,043	13.13	%	$	1,796,549	7.00	%	N/A	N/A
Frost Bank	3,261,532		12.72		1,795,221		7.00		1,666,991	6.50	%
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost	3,516,495		13.70		2,181,523		8.50		1,539,899	6.00
Frost Bank	3,261,532		12.72		2,179,911		8.50		2,051,681	8.00
Total Capital to Risk-Weighted Assets
Cullen/Frost	3,966,244		15.45		2,694,823		10.50		2,566,498	10.00
Frost Bank	3,491,281		13.61		2,692,831		10.50		2,564,601	10.00
Leverage Ratio
Cullen/Frost	3,516,495		7.34		1,917,533		4.00		N/A	N/A
Frost Bank	3,261,532		6.80		1,917,679		4.00		2,397,099	5.00