Capital and Regulatory Matters (Tables)

9 Months Ended

Sep. 30, 2023

Banking Regulation, Common Equity Tier 1 Risk-Based Capital [Abstract]

The following table presents actual and required capital ratios as of September 30, 2023 and December 31, 2022 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 2022 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, 2023
Common Equity Tier 1 to Risk-Weighted Assets
Cullen/Frost	$	3,977,860	13.32	%	$	2,090,045	7.00	%	N/A		N/A
Frost Bank	4,013,794		13.46		2,087,478		7.00		$	1,938,372	6.50	%
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost	4,123,312		13.81		2,537,911		8.50		1,791,467		6.00
Frost Bank	4,013,794		13.46		2,534,795		8.50		2,385,689		8.00
Total Capital to Risk-Weighted Assets
Cullen/Frost	4,561,577		15.28		3,135,067		10.50		2,985,778		10.00
Frost Bank	4,272,059		14.33		3,131,217		10.50		2,982,112		10.00
Leverage Ratio
Cullen/Frost	4,123,312		8.17		2,018,632		4.00		N/A		N/A
Frost Bank	4,013,794		7.96		2,018,241		4.00		2,522,801		5.00

December 31, 2022
Common Equity Tier 1 to Risk-Weighted Assets
Cullen/Frost	$	3,751,200	12.85	%	$	2,042,876	7.00	%	N/A		N/A
Frost Bank	3,789,056		13.00		2,040,388		7.00		$	1,894,646	6.50	%
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost	3,896,652		13.35		2,480,635		8.50		1,751,036		6.00
Frost Bank	3,789,056		13.00		2,477,614		8.50		2,331,872		8.00
Total Capital to Risk-Weighted Assets
Cullen/Frost	4,330,982		14.84		3,064,313		10.50		2,918,394		10.00
Frost Bank	4,023,386		13.80		3,060,583		10.50		2,914,841		10.00
Leverage Ratio
Cullen/Frost	3,896,652		7.29		2,136,680		4.00		N/A		N/A
Frost Bank	3,789,056		7.09		2,136,316		4.00		2,670,395		5.00

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(1)“Well-capitalized” minimum Common Equity Tier 1 to Risk-Weighted Assets and Leverage Ratio are not formally defined under applicable banking regulations for bank holding companies.