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Capital and Regulatory Matters (Tables) | 9 Months Ended
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Sep. 30, 2023
Banking Regulation, Common Equity Tier 1 Risk-Based Capital [Abstract] |
Actual and Required Capital Ratios | The following table presents actual and required capital ratios as of September 30, 2023 and December 31, 2022 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 2022 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, 2023 |  |  |  |  |  |  |  |  |  |  |
Common Equity Tier 1 to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | $ | 3,977,860 |  |  | 13.32 | % |  | $ | 2,090,045 |  |  | 7.00 | % |  | N/A |  | N/A
Frost Bank | 4,013,794 |  |  | 13.46 |  |  | 2,087,478 |  |  | 7.00 |  |  | $ | 1,938,372 |  |  | 6.50 | %
Tier 1 Capital to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | 4,123,312 |  |  | 13.81 |  |  | 2,537,911 |  |  | 8.50 |  |  | 1,791,467 |  |  | 6.00 |
Frost Bank | 4,013,794 |  |  | 13.46 |  |  | 2,534,795 |  |  | 8.50 |  |  | 2,385,689 |  |  | 8.00 |
Total Capital to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | 4,561,577 |  |  | 15.28 |  |  | 3,135,067 |  |  | 10.50 |  |  | 2,985,778 |  |  | 10.00 |
Frost Bank | 4,272,059 |  |  | 14.33 |  |  | 3,131,217 |  |  | 10.50 |  |  | 2,982,112 |  |  | 10.00 |
Leverage Ratio |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | 4,123,312 |  |  | 8.17 |  |  | 2,018,632 |  |  | 4.00 |  |  | N/A |  | N/A
Frost Bank | 4,013,794 |  |  | 7.96 |  |  | 2,018,241 |  |  | 4.00 |  |  | 2,522,801 |  |  | 5.00 |
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |
Common Equity Tier 1 to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | $ | 3,751,200 |  |  | 12.85 | % |  | $ | 2,042,876 |  |  | 7.00 | % |  | N/A |  | N/A
Frost Bank | 3,789,056 |  |  | 13.00 |  |  | 2,040,388 |  |  | 7.00 |  |  | $ | 1,894,646 |  |  | 6.50 | %
Tier 1 Capital to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | 3,896,652 |  |  | 13.35 |  |  | 2,480,635 |  |  | 8.50 |  |  | 1,751,036 |  |  | 6.00 |
Frost Bank | 3,789,056 |  |  | 13.00 |  |  | 2,477,614 |  |  | 8.50 |  |  | 2,331,872 |  |  | 8.00 |
Total Capital to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | 4,330,982 |  |  | 14.84 |  |  | 3,064,313 |  |  | 10.50 |  |  | 2,918,394 |  |  | 10.00 |
Frost Bank | 4,023,386 |  |  | 13.80 |  |  | 3,060,583 |  |  | 10.50 |  |  | 2,914,841 |  |  | 10.00 |
Leverage Ratio |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | 3,896,652 |  |  | 7.29 |  |  | 2,136,680 |  |  | 4.00 |  |  | N/A |  | N/A
Frost Bank | 3,789,056 |  |  | 7.09 |  |  | 2,136,316 |  |  | 4.00 |  |  | 2,670,395 |  |  | 5.00 |
____________________ (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.

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- Definition Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(1) -Publisher FASB -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1B -Publisher FASB -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1B + Details
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