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Capital and Regulatory Matters (Tables) | 6 Months Ended
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Jun. 30, 2025
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, 2025 and December 31, 2024, 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 2024 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, 2025 |  |  |  |  |  |  |  |  |  |  |
Common Equity Tier 1 to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | $ | 4,522,416 |  |  | 13.98 | % |  | $ | 2,264,455 |  |  | 7.00 | % |  | N/A |  | N/A
Frost Bank | 4,536,485 |  |  | 14.03 |  |  | 2,263,613 |  |  | 7.00 |  |  | $ | 2,101,926 |  |  | 6.50 | %
Tier 1 Capital to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | 4,667,868 |  |  | 14.43 |  |  | 2,749,695 |  |  | 8.50 |  |  | 1,940,961 |  |  | 6.00 |
Frost Bank | 4,536,485 |  |  | 14.03 |  |  | 2,748,673 |  |  | 8.50 |  |  | 2,586,986 |  |  | 8.00 |
Total Capital to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | 5,135,590 |  |  | 15.88 |  |  | 3,396,683 |  |  | 10.50 |  |  | 3,234,936 |  |  | 10.00 |
Frost Bank | 4,864,207 |  |  | 15.04 |  |  | 3,395,419 |  |  | 10.50 |  |  | 3,233,732 |  |  | 10.00 |
Leverage Ratio |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | 4,667,868 |  |  | 8.98 |  |  | 2,080,263 |  |  | 4.00 |  |  | N/A |  | N/A
Frost Bank | 4,536,485 |  |  | 8.72 |  |  | 2,080,532 |  |  | 4.00 |  |  | 2,600,665 |  |  | 5.00 |
December 31, 2024 |  |  |  |  |  |  |  |  |  |  |
Common Equity Tier 1 to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | $ | 4,343,666 |  |  | 13.62 | % |  | $ | 2,232,822 |  |  | 7.00 | % |  | N/A |  | N/A
Frost Bank | 4,387,862 |  |  | 13.76 |  |  | 2,231,710 |  |  | 7.00 |  |  | $ | 2,072,302 |  |  | 6.50 | %
Tier 1 Capital to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | 4,489,118 |  |  | 14.07 |  |  | 2,711,283 |  |  | 8.50 |  |  | 1,913,847 |  |  | 6.00 |
Frost Bank | 4,387,862 |  |  | 13.76 |  |  | 2,709,934 |  |  | 8.50 |  |  | 2,550,526 |  |  | 8.00 |
Total Capital to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | 4,954,136 |  |  | 15.53 |  |  | 3,349,232 |  |  | 10.50 |  |  | 3,189,745 |  |  | 10.00 |
Frost Bank | 4,692,880 |  |  | 14.72 |  |  | 3,347,565 |  |  | 10.50 |  |  | 3,188,157 |  |  | 10.00 |
Leverage Ratio |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | 4,489,118 |  |  | 8.63 |  |  | 2,079,715 |  |  | 4.00 |  |  | N/A |  | N/A
Frost Bank | 4,387,862 |  |  | 8.44 |  |  | 2,079,965 |  |  | 4.00 |  |  | 2,599,956 |  |  | 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/1943274/2147477270/942-505-50-1 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/1943274/2147477270/942-505-50-1B + Details
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