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Capital and Regulatory Matters (Tables) | 9 Months Ended
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Sep. 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 September 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
September 30, 2024 |  |  |  |  |  |  |  |  |  |  |
Common Equity Tier 1 to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | $ | 4,241,732 |  |  | 13.55 | % |  | $ | 2,190,654 |  |  | 7.00 | % |  | N/A |  | N/A
Frost Bank | 4,303,872 |  |  | 13.76 |  |  | 2,189,228 |  |  | 7.00 |  |  | $ | 2,032,855 |  |  | 6.50 | %
Tier 1 Capital to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | 4,387,184 |  |  | 14.02 |  |  | 2,660,080 |  |  | 8.50 |  |  | 1,877,704 |  |  | 6.00 |
Frost Bank | 4,303,872 |  |  | 13.76 |  |  | 2,658,349 |  |  | 8.50 |  |  | 2,501,975 |  |  | 8.00 |
Total Capital to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | 4,850,001 |  |  | 15.50 |  |  | 3,285,982 |  |  | 10.50 |  |  | 3,129,506 |  |  | 10.00 |
Frost Bank | 4,606,689 |  |  | 14.73 |  |  | 3,283,842 |  |  | 10.50 |  |  | 3,127,469 |  |  | 10.00 |
Leverage Ratio |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | 4,387,184 |  |  | 8.80 |  |  | 1,995,300 |  |  | 4.00 |  |  | N/A |  | N/A
Frost Bank | 4,303,872 |  |  | 8.63 |  |  | 1,995,630 |  |  | 4.00 |  |  | 2,494,538 |  |  | 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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