<SEC-DOCUMENT>0000039263-20-000049-index.html : 20200812
<SEC-HEADER>0000039263-20-000049.hdr.sgml : 20200812
<ACCEPTANCE-DATETIME>20200812145422
ACCESSION NUMBER:		0000039263-20-000049
CONFORMED SUBMISSION TYPE:	S-3ASR
PUBLIC DOCUMENT COUNT:		14
FILED AS OF DATE:		20200812
DATE AS OF CHANGE:		20200812
EFFECTIVENESS DATE:		20200812

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CULLEN/FROST BANKERS, INC.
		CENTRAL INDEX KEY:			0000039263
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				741751768
		STATE OF INCORPORATION:			TX
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		S-3ASR
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-244971
		FILM NUMBER:		201095203

	BUSINESS ADDRESS:	
		STREET 1:		111 W HOUSTON ST
		CITY:			SAN ANTONIO
		STATE:			TX
		ZIP:			78205
		BUSINESS PHONE:		210-220-4011

	MAIL ADDRESS:	
		STREET 1:		POST OFFICE BOX 1600
		CITY:			SAN ANTONIO
		STATE:			TX
		ZIP:			78296-1600

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CULLEN FROST BANKERS INC
		DATE OF NAME CHANGE:	19920703

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FROST BANK CORP
		DATE OF NAME CHANGE:	19770823
</SEC-HEADER>
<DOCUMENT>
<TYPE>S-3ASR
<SEQUENCE>1
<FILENAME>a3q20forms-3shelfregistrat.htm
<DESCRIPTION>S-3ASR
<TEXT>
Document 1 - file: a3q20forms-3shelfregistrat.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>EX-4.4
<SEQUENCE>2
<FILENAME>exhibit44-formofcertificat.htm
<DESCRIPTION>EXHIBIT 4.4 - FORM OF CERTIFICATE REPRESENTING CULLEN/FROST BANKERS, INC. COMMON
<TEXT>
Document 2 - file: exhibit44-formofcertificat.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>EX-4.5
<SEQUENCE>3
<FILENAME>exhibit45-formofseniordebt.htm
<DESCRIPTION>EXHIBIT 4.5 - FORM OF SENIOR DEBT SECURITIES INDENTURE BETWEEN CULLEN/FROST BANK
<TEXT>
Document 3 - file: exhibit45-formofseniordebt.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>EX-4.6
<SEQUENCE>4
<FILENAME>exhibit46-subordinateddebt.htm
<DESCRIPTION>EXHIBIT 4.6 - SUBORDINATED DEBT SECURITIES INDENTURE, DATED AS OF FEBRUARY 15, 2
<TEXT>
Document 4 - file: exhibit46-subordinateddebt.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>EX-4.7
<SEQUENCE>5
<FILENAME>exhibit47-firstsupplementa.htm
<DESCRIPTION>EXHIBIT 4.7 - FIRST SUPPLEMENTAL INDENTURE, DATED AS OF MARCH 17, 2017
<TEXT>
Document 5 - file: exhibit47-firstsupplementa.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5.1
<SEQUENCE>6
<FILENAME>exhibit51-opinionofsulliva.htm
<DESCRIPTION>EXHIBIT 5.1 - OPINION OF SULLIVAN & CROMWELL LLP
<TEXT>
Document 6 - file: exhibit51-opinionofsulliva.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5.2
<SEQUENCE>7
<FILENAME>exhibit52-opinionofjameslw.htm
<DESCRIPTION>EXHIBIT 5.2 - OPINION OF JAMES L. WATERS
<TEXT>
Document 7 - file: exhibit52-opinionofjameslw.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>8
<FILENAME>exhibit231-consentofernsty.htm
<DESCRIPTION>EXHIBIT 23.1 - CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
<TEXT>
Document 8 - file: exhibit231-consentofernsty.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>EX-24.1
<SEQUENCE>9
<FILENAME>exhibit241-powerofattorney.htm
<DESCRIPTION>EXHIBIT 24.1 - POWER OF ATTORNEY
<TEXT>
Document 9 - file: exhibit241-powerofattorney.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>EX-25.1
<SEQUENCE>10
<FILENAME>exhibit251-formtx1bnymxfor.htm
<DESCRIPTION>EXHIBIT 25.1 - FORM T-1 BNYM - FORM OF SENIOR DEBT SECURITIES
<TEXT>
Document 10 - file: exhibit251-formtx1bnymxfor.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>EX-25.2
<SEQUENCE>11
<FILENAME>exhibit252-formtx1bnymxsub.htm
<DESCRIPTION>EXHIBIT 25.2 - FORM T-1 BNYM - SUBORDINATED DEBT SECURITIES
<TEXT>
Document 11 - file: exhibit252-formtx1bnymxsub.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>12
<FILENAME>cfrformofcertificate72020.jpg
<TEXT>
Document 12 - file: cfrformofcertificate72020.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>13
<FILENAME>cfrimagefors3.jpg
<TEXT>
Document 13 - file: cfrimagefors3.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>14
<FILENAME>cfrimagefors3a01.jpg
<TEXT>
Document 14 - file: cfrimagefors3a01.jpg

</DOCUMENT>
</SEC-DOCUMENT>