Capital and Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2025

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

The following table presents actual and required capital ratios as of December 31, 2025 and December 31, 2024 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
2025
Common Equity Tier 1 to Risk-Weighted Assets
Cullen/Frost	$	4,601,579	14.06	%	$	2,291,102	7.00	%	N/A		N/A
Frost Bank	4,687,844		14.33		2,290,525		7.00		$	2,126,916	6.50	%
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost	4,747,031		14.50		2,782,053		8.50		1,963,802		6.00
Frost Bank	4,687,844		14.33		2,781,351		8.50		2,617,742		8.00
Total Capital to Risk-Weighted Assets
Cullen/Frost	5,220,324		15.95		3,436,653		10.50		3,273,003		10.00
Frost Bank	5,021,137		15.34		3,435,787		10.50		3,272,178		10.00
Leverage Ratio
Cullen/Frost	4,747,031		8.80		2,157,988		4.00		N/A		N/A
Frost Bank	4,687,844		8.69		2,158,485		4.00		2,698,106		5.00
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

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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.