Capital and Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2024

Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]

The following table presents actual and required capital ratios as of December 31, 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.


	Actual				Minimum Capital Required Plus Capital Conservation Buffer				Required to be Considered Well Capitalized(1)
	Capital Amount		Ratio		Capital Amount		Ratio		Capital Amount		Ratio
2024
Common Equity Tier 1 to Risk-Weighted Assets
Cullen/Frost	$	4,343,666	13.62	%	$	2,232,822	7.00	%	N/A		N/A
Frost Bank	4,387,862		13.76		2,231,710		7.00		$	2,072,302	6.50	%
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost	4,489,118		14.07		2,711,283		8.50		1,913,847		6.00
Frost Bank	4,387,862		13.76		2,709,934		8.50		2,550,526		8.00
Total Capital to Risk-Weighted Assets
Cullen/Frost	4,954,136		15.53		3,349,232		10.50		3,189,745		10.00
Frost Bank	4,692,880		14.72		3,347,565		10.50		3,188,157		10.00
Leverage Ratio
Cullen/Frost	4,489,118		8.63		2,079,715		4.00		N/A		N/A
Frost Bank	4,387,862		8.44		2,079,965		4.00		2,599,956		5.00
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.