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Capital and Regulatory Matters (Tables) | 9 Months Ended
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Sep. 30, 2019
Banking and Thrift [Abstract] |
Actual and Required Capital Ratios | The following tables present actual and required capital ratios as of September 30, 2019 and December 31, 2018 for Cullen/Frost and Frost Bank under the Basel III Capital Rules. The Basel III Capital Rules became fully phased-in on January 1, 2019. The minimum required capital amounts presented as of December 31, 2018 include the minimum required capital levels applicable as of that date as well as the minimum required capital levels as of January 1, 2019 when the Basel III Capital Rules became fully phased-in. 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 2018 Form 10-K for a more detailed discussion of the Basel III Capital Rules. After a review of risk-weight classifications during the first quarter of 2019, risk-weightings for certain loans were reclassified. Amounts reported as of December 31, 2018 have been revised to reflect these reclassifications.
| Actual |  | Minimum Capital Required - Basel III |  | Required to be Considered Well Capitalized
| Capital Amount |  | Ratio |  | Capital Amount |  | Ratio |  | Capital Amount |  | Ratio
September 30, 2019 |  |  |  |  |  |  |  |  |  |  |
Common Equity Tier 1 to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | $ | 2,788,313 |  |  | 12.35 | % |  | $ | 1,580,199 |  |  | 7.00 | % |  | $ | 1,467,328 |  |  | 6.50 | %
Frost Bank | 2,910,446 |  |  | 12.92 |  |  | 1,576,393 |  |  | 7.00 |  |  | 1,463,794 |  |  | 6.50 |
Tier 1 Capital to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | 2,932,799 |  |  | 12.99 |  |  | 1,918,813 |  |  | 8.50 |  |  | 1,805,942 |  |  | 8.00 |
Frost Bank | 2,910,446 |  |  | 12.92 |  |  | 1,914,192 |  |  | 8.50 |  |  | 1,801,593 |  |  | 8.00 |
Total Capital to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | 3,302,858 |  |  | 14.63 |  |  | 2,370,298 |  |  | 10.50 |  |  | 2,257,427 |  |  | 10.00 |
Frost Bank | 3,047,505 |  |  | 13.53 |  |  | 2,364,590 |  |  | 10.50 |  |  | 2,251,991 |  |  | 10.00 |
Leverage Ratio |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | 2,932,798 |  |  | 9.36 |  |  | 1,252,781 |  |  | 4.00 |  |  | 1,565,976 |  |  | 5.00 |
Frost Bank | 2,910,446 |  |  | 9.30 |  |  | 1,251,713 |  |  | 4.00 |  |  | 1,564,642 |  |  | 5.00 |
| Actual |  | Minimum Capital Required - Basel III Phase-In Schedule |  | Minimum Capital Required - Basel III Fully Phased-In |  | Required to be Considered Well Capitalized
| Capital Amount |  | Ratio |  | Capital Amount |  | Ratio |  | Capital Amount |  | Ratio |  | Capital Amount |  | Ratio
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Common Equity Tier 1 to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | $ | 2,642,475 |  |  | 12.27 | % |  | $ | 1,372,573 |  |  | 6.375 | % |  | $ | 1,507,139 |  |  | 7.00 | % |  | $ | 1,358,171 |  |  | 6.50 | %
Frost Bank | 2,743,973 |  |  | 12.78 |  |  | 1,368,701 |  |  | 6.375 |  |  | 1,502,887 |  |  | 7.00 |  |  | 1,354,222 |  |  | 6.50 |
Tier 1 Capital to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | 2,786,961 |  |  | 12.94 |  |  | 1,695,532 |  |  | 7.875 |  |  | 1,830,098 |  |  | 8.50 |  |  | 1,671,595 |  |  | 8.00 |
Frost Bank | 2,743,973 |  |  | 12.78 |  |  | 1,690,748 |  |  | 7.875 |  |  | 1,824,934 |  |  | 8.50 |  |  | 1,666,735 |  |  | 8.00 |
Total Capital to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | 3,152,593 |  |  | 14.64 |  |  | 2,126,143 |  |  | 9.875 |  |  | 2,260,709 |  |  | 10.50 |  |  | 2,089,494 |  |  | 10.00 |
Frost Bank | 2,876,605 |  |  | 13.40 |  |  | 2,120,144 |  |  | 9.875 |  |  | 2,254,331 |  |  | 10.50 |  |  | 2,083,419 |  |  | 10.00 |
Leverage Ratio |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | 2,786,961 |  |  | 9.06 |  |  | 1,231,028 |  |  | 4.00 |  |  | 1,231,028 |  |  | 4.00 |  |  | 1,538,785 |  |  | 5.00 |
Frost Bank | 2,743,973 |  |  | 8.93 |  |  | 1,229,650 |  |  | 4.00 |  |  | 1,229,650 |  |  | 4.00 |  |  | 1,537,062 |  |  | 5.00 |

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