Capital and Regulatory Matters (Tables)

9 Months Ended

Sep. 30, 2024

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

The following table presents actual and required capital ratios as of September 30, 2024 and December 31, 2023, 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 2023 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, 2024
Common Equity Tier 1 to Risk-Weighted Assets
Cullen/Frost	$	4,241,732	13.55	%	$	2,190,654	7.00	%	N/A		N/A
Frost Bank	4,303,872		13.76		2,189,228		7.00		$	2,032,855	6.50	%
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost	4,387,184		14.02		2,660,080		8.50		1,877,704		6.00
Frost Bank	4,303,872		13.76		2,658,349		8.50		2,501,975		8.00
Total Capital to Risk-Weighted Assets
Cullen/Frost	4,850,001		15.50		3,285,982		10.50		3,129,506		10.00
Frost Bank	4,606,689		14.73		3,283,842		10.50		3,127,469		10.00
Leverage Ratio
Cullen/Frost	4,387,184		8.80		1,995,300		4.00		N/A		N/A
Frost Bank	4,303,872		8.63		1,995,630		4.00		2,494,538		5.00

December 31, 2023
Common Equity Tier 1 to Risk-Weighted Assets
Cullen/Frost	$	4,036,945	13.25	%	$	2,132,516	7.00	%	N/A		N/A
Frost Bank	4,057,111		13.33		2,129,784		7.00		$	1,977,656	6.50	%
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost	4,182,397		13.73		2,589,484		8.50		1,827,871		6.00
Frost Bank	4,057,111		13.33		2,586,166		8.50		2,434,038		8.00
Total Capital to Risk-Weighted Assets
Cullen/Frost	4,625,760		15.18		3,198,774		10.50		3,046,452		10.00
Frost Bank	4,320,474		14.20		3,194,676		10.50		3,042,548		10.00
Leverage Ratio
Cullen/Frost	4,182,397		8.35		2,003,020		4.00		N/A		N/A
Frost Bank	4,057,111		8.10		2,003,152		4.00		2,503,940		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.