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Capital and Regulatory Matters (Tables) | 6 Months Ended
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Jun. 30, 2024
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 June 30, 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. See the 2023 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
June 30, 2024 |  |  |  |  |  |  |  |  |  |  |
Common Equity Tier 1 to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | $ | 4,164,990 |  |  | 13.35 | % |  | $ | 2,183,331 |  |  | 7.00 | % |  | N/A |  | N/A
Frost Bank | 4,228,311 |  |  | 13.56 |  |  | 2,182,110 |  |  | 7.00 |  |  | $ | 2,026,245 |  |  | 6.50 | %
Tier 1 Capital to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | 4,310,442 |  |  | 13.82 |  |  | 2,651,188 |  |  | 8.50 |  |  | 1,871,427 |  |  | 6.00 |
Frost Bank | 4,228,311 |  |  | 13.56 |  |  | 2,649,705 |  |  | 8.50 |  |  | 2,493,840 |  |  | 8.00 |
Total Capital to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | 4,763,514 |  |  | 15.27 |  |  | 3,274,997 |  |  | 10.50 |  |  | 3,119,044 |  |  | 10.00 |
Frost Bank | 4,521,383 |  |  | 14.50 |  |  | 3,273,165 |  |  | 10.50 |  |  | 3,117,300 |  |  | 10.00 |
Leverage Ratio |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | 4,310,442 |  |  | 8.62 |  |  | 1,999,776 |  |  | 4.00 |  |  | N/A |  | N/A
Frost Bank | 4,228,311 |  |  | 8.46 |  |  | 1,999,934 |  |  | 4.00 |  |  | 2,499,918 |  |  | 5.00 |
December 31, 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 |
____________________ (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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