CFR.PRB / Cullen/Frost Bankers, Inc. - Preferred Stock - تصريحات هيئة الأوراق المالية والبورصات، التقرير السنوي، بيان الوكيل

شركة Cullen/Frost Bankers, Inc. - الأسهم المفضلة
US ˙ NYSE ˙ US2298993070

الإحصائيات الأساسية
LEI 529900V2E9G9AY665O34
CIK 39263
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Cullen/Frost Bankers, Inc. - Preferred Stock
SEC Filings (Chronological Order)
توفر هذه الصفحة قائمة كاملة ومرتبة ترتيبًا زمنيًا لتصريحات هيئة الأوراق المالية والبورصات، باستثناء تصريحات الملكية التي نقدمها في مكان آخر.
July 31, 2025 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: June 30, 2025 Or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number: 001-13221 Cullen/Frost Bankers

July 31, 2025 8-K

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 31, 2025 Cullen/Frost Banker

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 31, 2025 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organizatio

July 31, 2025 EX-99.1

CULLEN/FROST REPORTS SECOND QUARTER RESULTS Board declares third quarter dividend on common and preferred stock

Exhibit 99 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE July 31, 2025 CULLEN/FROST REPORTS SECOND QUARTER RESULTS Board declares third quarter dividend on common and preferred stock SAN ANTONIO - Cullen/Frost Bankers, Inc. (NYSE:CFR) today reported second quarter 2025 results. Net income available to common shareholders for the second q

June 27, 2025 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ý ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2024 Or ¨ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-13221 A. Full title of the plan and the add

May 1, 2025 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: March 31, 2025 Or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number: 001-13221 Cullen/Frost Banker

May 1, 2025 EX-99.1

CULLEN/FROST REPORTS FIRST QUARTER RESULTS Board increases quarterly common dividend by 5.3 percent to $1.00

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE May 1, 2025 CULLEN/FROST REPORTS FIRST QUARTER RESULTS Board increases quarterly common dividend by 5.3 percent to $1.00 SAN ANTONIO - Cullen/Frost Bankers, Inc. (NYSE:CFR) today reported first quarter 2025 results. Net income available to common shareholders for the first quarte

May 1, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 1, 2025 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organization)

April 30, 2025 8-K

Submission of Matters to a Vote of Security Holders

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 30, 2025 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organizati

March 28, 2025 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ý ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2024 Or ¨ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-13221 A. Full title of the plan and the add

March 21, 2025 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant: ☒ Filed by a Party other than the Registrant: ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Definitive Proxy Sta

March 21, 2025 ARS

Cullen⁄Frost Bankers, Inc. Certifications The certifications of the Chief Executive Officer and the Chief Financial Officer of Cullen/Frost Bankers, Inc., required under Section 302 of the Sarbanes-Oxley Act of 2002, have been filed as exhibits to Cu

Cullen⁄Frost Bankers, Inc. Certifications The certifications of the Chief Executive Officer and the Chief Financial Officer of Cullen/Frost Bankers, Inc., required under Section 302 of the Sarbanes-Oxley Act of 2002, have been filed as exhibits to Cullen/Frost’s 2024 Annual Report on Form 10-K. In addition, the certification of the Chief Executive Officer of Cullen/Frost, required under the rules

March 21, 2025 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant: ☒ Filed by a Party other than the Registrant: ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Definitive Proxy Sta

February 12, 2025 EX-99.1

Phillip D. Green, Chairman and Chief Executive Officer | Dan Geddes, Chief Financial Officer Cullen/Frost Bankers, Inc. December 31, 2024 2 Cautionary Statement Certain statements contained in this Annual Report on Form 10-K that are not statements o

Phillip D. Green, Chairman and Chief Executive Officer | Dan Geddes, Chief Financial Officer Cullen/Frost Bankers, Inc. December 31, 2024 2 Cautionary Statement Certain statements contained in this Annual Report on Form 10-K that are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 (the “Act”), notwit

February 12, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 11, 2025 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organiz

February 6, 2025 EX-10.16

Form of Performance Stock Unit Award Agreement - 2024

Exhibit 10.16 Form of Performance Stock Unit Award Agreement 2024 CULLEN/FROST BANKERS, INC. PERFORMANCE STOCK UNIT AGREEMENT This Performance Stock Unit Agreement (the “Agreement”) is made and entered into this 29th day of October, 2024 (the “Grant Date”) by and between Cullen/Frost Bankers, Inc. (the “Company”) and [•] (the “Participant”), pursuant to the Cullen/Frost Bankers, Inc. 2024 Equity I

February 6, 2025 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended: December 31, 2024 Or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number: 001-13221 CULLEN

February 6, 2025 EX-24.1

Power of Attorney

EXHIBIT 24.1 POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that each person whose signature appears below constitutes and appoints Phillip D. Green, Daniel J. Geddes and Matthew B. Henson, and each of them, his or her true and lawful attorneys-in-fact and agents, and with power of substitution and resubstitution, for him/her and in his/her name, place and stead, and in any and all capacities,

February 6, 2025 EX-21.1

Subsidiaries of Cullen/Frost Bankers, Inc.

Exhibit 21.1 Subsidiaries of Cullen/Frost Bankers, Inc. Name of Subsidiary State or Other Jurisdiction of Incorporation or Organization Percentage of Voting Securities Owned by Cullen/Frost Bankers, Inc. Cullen/Frost Capital Trust II Delaware 100% Frost Bank Texas 100% Main Plaza Corporation Texas 100% Frost Insurance Agency, Inc. Texas 100% Frost Brokerage Services, Inc. Texas 100% Frost Investme

January 30, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 30, 2025 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organiza

January 30, 2025 EX-99.1

CULLEN/FROST REPORTS FOURTH QUARTER AND 2024 ANNUAL RESULTS Board declares first quarter dividend on common and preferred stock, and authorizes $150 million stock repurchase program

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE January 30, 2025 CULLEN/FROST REPORTS FOURTH QUARTER AND 2024 ANNUAL RESULTS Board declares first quarter dividend on common and preferred stock, and authorizes $150 million stock repurchase program SAN ANTONIO - Cullen/Frost Bankers, Inc. (NYSE:CFR) today reported fourth quarter

November 1, 2024 8-K/A

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K/A CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 1, 2024 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organizati

October 31, 2024 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: September 30, 2024 Or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number: 001-13221 Cullen/Frost Ba

October 31, 2024 EX-99.1

CULLEN/FROST REPORTS THIRD QUARTER RESULTS Board declares fourth quarter dividend on common and preferred stock

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE October 31, 2024 CULLEN/FROST REPORTS THIRD QUARTER RESULTS Board declares fourth quarter dividend on common and preferred stock SAN ANTONIO - Cullen/Frost Bankers, Inc. (NYSE:CFR) today reported third quarter 2024 results. Net income available to common shareholders for the thir

October 31, 2024 8-K

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 31, 2024 Cullen/Frost Ban

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 31, 2024 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organiza

August 28, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 28, 2024 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organizat

August 28, 2024 EX-99.1

Phillip D. Green, Chairman and Chief Executive Officer | Jerry Salinas, Chief Financial Officer Cullen/Frost Bankers, Inc. June 30, 2024 2 Cautionary Statement Certain statements contained in this presentation that are not statements of historical fa

Phillip D. Green, Chairman and Chief Executive Officer | Jerry Salinas, Chief Financial Officer Cullen/Frost Bankers, Inc. June 30, 2024 2 Cautionary Statement Certain statements contained in this presentation that are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 (the “Act”), notwithstanding that

July 25, 2024 EX-99.1

CULLEN/FROST REPORTS SECOND QUARTER RESULTS Board increases quarterly common dividend by 3.3 percent to $0.95

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE July 25, 2024 CULLEN/FROST REPORTS SECOND QUARTER RESULTS Board increases quarterly common dividend by 3.3 percent to $0.95 SAN ANTONIO - Cullen/Frost Bankers, Inc. (NYSE:CFR) today reported second quarter 2024 results. Net income available to common shareholders for the second q

July 25, 2024 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: June 30, 2024 Or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number: 001-13221 Cullen/Frost Bankers

July 25, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 25, 2024 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organizatio

July 1, 2024 8-K

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 1, 2024 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organization

July 1, 2024 EX-99.1

JERRY SALINAS, FROST’S CHIEF FINANCIAL OFFICER, TO RETIRE AT END OF THIS YEAR

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE JERRY SALINAS, FROST’S CHIEF FINANCIAL OFFICER, TO RETIRE AT END OF THIS YEAR SAN ANTONIO, July 1, 2024 – Cullen/Frost Bankers, Inc. (NYSE: CFR) announced today that Jerry Salinas, group executive vice president & chief financial officer of Cullen/Frost and Frost Bank, has decide

June 26, 2024 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ý ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2023 Or ¨ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-13221 A. Full title of the plan and the add

April 30, 2024 EX-4.7

Amendment No. 3 to the The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates

Exhibit 4.7 Amendment No. 3 to the The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and its Affiliates (Effective as of January 1, 2013) Whereas, Cullen/Frost Bankers, Inc. ("Company") maintains "The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and its Affiliates," as last amended and restated effective as of January 1, 2013 ("Plan"), for the ben

April 30, 2024 EX-4.15

Amendment No. 11 to the The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates

Exhibit 4.15 Amendment No. 11 to the The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and its Affiliates (Effective as of January 1, 2013) Whereas, Cullen/Frost Bankers, Inc. (the “Company”) maintains “The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and its Affiliates”, as last amended and restated effective as of January 1, 2013 (the “Plan”), f

April 30, 2024 EX-FILING FEES

Calculation of Filing Fee Table

Exhibit 107.1 CALCULATION OF FILING FEE TABLE Form S-8 (Form Type) Cullen/Frost Bankers, Inc. (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered(2) Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Equity Common Stock, par va

April 30, 2024 EX-4.8

Amendment No. 4 to the The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates

Exhibit 4.8 Amendment No. 4 to the The 401 (k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates (Effective as of January 1, 2013) Whereas, Cullen/Frost Bankers, Inc. ("Company") maintains "The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates," as last amended and restated effective as of January 1, 2013 ("Plan"), for the be

April 30, 2024 S-8

As filed with the Securities and Exchange Commission on April 30, 2024.

As filed with the Securities and Exchange Commission on April 30, 2024. Registration No. 333 - UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 CULLEN/FROST BANKERS, INC. (Exact name of registrant as specified in its charter) Texas 74-1751768 (State or other jurisdiction of incorporation or organization) (I.R.S

April 30, 2024 EX-24.1

Power of Attorney

Exhibit 24.1 POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that each person whose signature appears below constitutes and appoints Phillip D. Green, Jerry Salinas and Coolidge E. Rhodes and each of them, his or her true and lawful attorneys-in-fact and agents, and with power of substitution and resubstitution, for him/her and in his/her name, place and stead, and in any and all capacities, to

April 30, 2024 EX-4.16

2024 Equity Incentive Plan

Exhibit 4.16 2024 EQUITY INCENTIVE PLAN Article 1. Establishment, Purpose and Duration 1.1 Establishment. Cullen/Frost Bankers, Inc., a Texas corporation, establishes an incentive compensation plan to be known as Cullen/Frost Bankers, Inc. 2024 Equity Incentive Plan, as set forth in this document. This Plan permits the grant of Nonqualified Stock Options, Incentive Stock Options, Stock Appreciatio

April 30, 2024 EX-4.14

Amendment No. 10 to the The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates

Exhibit 4.14 Amendment No. 10 to the The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and its Affiliates (Amended and Restated Effective as of January 1, 2013) Whereas, Cullen/Frost Bankers, Inc. (the “Company”) maintains “The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and its Affiliates”, as last amended and restated effective as of January 1,

April 30, 2024 EX-4.12

Amendment No. 8 to the The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates

Exhibit 4.12 Amendment No. 8 to the The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates (Effective as of January 1, 2013) Whereas, Cullen/Frost Bankers, Inc. (the “Company”) maintains “The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates”, as last amended and restated effective as of January 1, 2013 (the “Plan”), fo

April 30, 2024 EX-4.5

Amendment No. 1 to the The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates

Exhibit 4.5 Amendment No. 1 to the The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and its Affiliates (Effective as of January 1, 2013) Whereas, Cullen/Frost Bankers, Inc. ("Company") maintains "The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and its Affiliates," as last amended and restated effective as of January 1, 2013 ("Plan"), for the ben

April 30, 2024 EX-4.9

Amendment No. 5 to the The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates

Exhibit 4.9 Amendment No. 5 to the The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates (Effective as of January 1, 2013) Whereas, Cullen/Frost Bankers, Inc. (the "Company") maintains "The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates," as last amended and restated effective as of January 1, 2013 ("Plan"), for the

April 30, 2024 EX-4.4

The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates

Exhibit 4.4 The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and its Affiliates Amended and Restated Effective as of January 1, 2013 Article 1. The Plan 1.1Establishment and Amendment of the Plan Cullen/Frost Bankers, Inc. ("Company") previously established and presently maintains The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliate

April 30, 2024 EX-4.13

Amendment No. 9 to the The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates

Exhibit 4.13 Amendment No. 9 to the The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and its Affiliates (Effective as of January 1, 2013) Whereas, Cullen/Frost Bankers, Inc. (the “Company”) maintains “The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and its Affiliates”, as last amended and restated effective as of January 1, 2013 (the “Plan”), fo

April 30, 2024 EX-4.10

Amendment No. 6 to the The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates

Exhibit 4.10 Amendment No. 6 to the The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates (Effective as of January 1, 2013) Whereas, Cullen/Frost Bankers, Inc. (the “Company”) maintains “The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and its Affiliates,” as last amended and restated effective as of January 1, 2013 (“Plan”), for th

April 30, 2024 EX-4.6

Amendment No. 2 to the The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates

Exhibit 4.6 Amendment No. 2 to the The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and its Affiliates (Effective as of January 1, 2013) Whereas, Cullen/Frost Bankers, Inc. ("Company") maintains "The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and its Affiliates," as last amended and restated effective as of January 1, 2013 ("Plan"), for the ben

April 30, 2024 EX-4.11

Amendment No. 7 to the The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates

Exhibit 4.11 Amendment No. 7 to the The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates (Effective as of January 1, 2013) Whereas, Cullen/Frost Bankers, Inc. (the “Company”) maintains “The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates,” as last amended and restated effective as of January 1, 2013 (“Plan”), for th

April 25, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 25, 2024 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organizati

April 25, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 24, 2024 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organizati

April 25, 2024 EX-10.2

Form of Deferred Stock Unit Award Agreement

Exhibit 10.2 Cullen/Frost Bankers, Inc. 2024 Equity Incentive Plan Form of Deferred Stock Unit Agreement for Nonemployee Directors CULLEN/FROST BANKERS, INC. DEFERRED STOCK UNIT AGREEMENT This Deferred Stock Unit Agreement (the “Agreement”) is made and entered into this [•] day of [•], [•] (the “Grant Date”) by and between Cullen/Frost Bankers, Inc. (the “Company”) and [•] (the “Participant”), pur

April 25, 2024 EX-99.1

CULLEN/FROST REPORTS FIRST QUARTER RESULTS Board declares second quarter dividend on common and preferred stock

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE April 25, 2024 CULLEN/FROST REPORTS FIRST QUARTER RESULTS Board declares second quarter dividend on common and preferred stock SAN ANTONIO - Cullen/Frost Bankers, Inc. (NYSE:CFR) today reported first quarter 2024 results. Net income available to common shareholders for the first

April 25, 2024 EX-10.1

Form of Restricted Stock Unit Award Agreement

Exhibit 10.1 Form of Restricted Stock Unit Agreement 2024 Equity Incentive Plan CULLEN/FROST BANKERS, INC. RESTRICTED STOCK UNIT AGREEMENT This Restricted Stock Unit Agreement (the “Agreement”) is made and entered into this [•] day of [•], [•] (the “Grant Date”) by and between Cullen/Frost Bankers, Inc. (the “Company”) and [•] (the “Participant”), pursuant to the Cullen/Frost Bankers, Inc. 2024 Eq

April 25, 2024 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: March 31, 2024 Or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number: 001-13221 Cullen/Frost Banker

April 15, 2024 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant: ☒ Filed by a Party other than the Registrant: ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Definitive Proxy Sta

March 25, 2024 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ý ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2023 Or ¨ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-13221 A. Full title of the plan and the add

March 8, 2024 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant: ☒ Filed by a Party other than the Registrant: ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Definitive Proxy Sta

March 8, 2024 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant: ☒ Filed by a Party other than the Registrant: ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Definitive Proxy Sta

March 8, 2024 ARS

2023 Dol lars in thousands, except per-share amounts Financial Highlights NE T INCOME AVAILABLE TO COMMON SHAREHOLDERS PER COMMON SHARE DATA Earnings per Common Share – Basic Earnings per Common Share – Diluted Cash Dividends Book Value YEAR-END BALA

2023 Dol lars in thousands, except per-share amounts Financial Highlights NE T INCOME AVAILABLE TO COMMON SHAREHOLDERS PER COMMON SHARE DATA Earnings per Common Share – Basic Earnings per Common Share – Diluted Cash Dividends Book Value YEAR-END BALANCE SHEE T DATA Loans Securities Earning Assets Total Assets Non-interest-bearing Demand Deposits Interest-bearing Demand Deposits Total Deposits Long-term Debt and Other Borrowings Shareholders’ Equity PERFORMANCE RATIOS Return on Average Assets Return on Average Common Equity Net Interest Margin Dividend Payout Ratio on Common Shares 2023 $ 591,298 $ 572,475 2022 $ 9.

February 23, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 23, 2024 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organiz

February 23, 2024 EX-99.1

Phillip D. Green, Chairman and Chief Executive Officer | Jerry Salinas, Chief Financial Officer Cullen/Frost Bankers, Inc. December 31, 2023 2 Cautionary Statement Certain statements contained in this Annual Report on Form 10-K that are not statement

Phillip D. Green, Chairman and Chief Executive Officer | Jerry Salinas, Chief Financial Officer Cullen/Frost Bankers, Inc. December 31, 2023 2 Cautionary Statement Certain statements contained in this Annual Report on Form 10-K that are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 (the “Act”), not

February 14, 2024 SC 13G/A

CFR / Cullen/Frost Bankers, Inc. / Aristotle Capital Management, LLC Passive Investment

SC 13G/A 1 fp0086871-4sc13ga.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (AMENDMENT NO. 5)* CULLEN/FROST BANKERS, INC. (Name of Issuer) Common Stock, Par Value of $0.01 Per Share (Title of Class of Securities) 229

February 13, 2024 SC 13G/A

CFR / Cullen/Frost Bankers, Inc. / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SC 13G/A 1 tv0715-cullenfrostbankersinc.htm SCHEDULE 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 11)* Name of issuer: Cullen/Frost Bankers Inc Title of Class of Securities: Common Stock CUSIP Number: 229899109 Date of Event Which Requires Filing of this Statement: December 29, 2023 Check the appropriate box

February 6, 2024 EX-97.1

Clawback Policy

Exhibit 97.1 CULLEN/FROST BANKERS, INC. CLAWBACK POLICY 1.Purpose The Board of Directors (the “Board”) of Cullen/Frost Bankers, Inc. (the “Company”) has oversight of the Company’s executive compensation and financial reporting. To that end, this Clawback Policy (the “Policy”) is designed to comply with, and will be interpreted to be consistent with, the requirements of Section 303A.14 of the New Y

February 6, 2024 EX-24

Power of Attorney

EXHIBIT 24.1 POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that each person whose signature appears below constitutes and appoints Phillip D. Green and Jerry Salinas, and each of them, his or her true and lawful attorneys-in-fact and agents, and with power of substitution and resubstitution, for him/her and in his/her name, place and stead, and in any and all capacities, to sign the Annual Rep

February 6, 2024 EX-21.1

Subsidiaries of Cullen/Frost Bankers, Inc.

Exhibit 21.1 Subsidiaries of Cullen/Frost Bankers, Inc. Name of Subsidiary State or Other Jurisdiction of Incorporation or Organization Percentage of Voting Securities Owned by Cullen/Frost Bankers, Inc. Cullen/Frost Capital Trust II Delaware 100% Frost Bank Texas 100% Main Plaza Corporation Texas 100% Frost Insurance Agency, Inc. Texas 100% Frost Brokerage Services, Inc. Texas 100% Frost Investme

February 6, 2024 EX-19.1

Cullen/Frost Bankers, Inc. Insider Trading Policy

Exhibit 19.1 CULLEN/FROST BANKERS, INC. INSIDER TRADING POLICY 1.PURPOSE AND SCOPE This Insider Trading Policy (this “Policy”) provides guidelines with respect to transactions in the securities of Cullen/Frost Bankers, Inc. (“Frost” or the “Company”) and the handling of confidential information related to Frost and the companies with which Frost does business. In accordance with its Core Values, F

February 6, 2024 EX-10.17

Form of Performance Stock Unit Award Agreement - 2023

Exhibit 10.17 Form of Performance Stock Unit Award Agreement 2023 CULLEN/FROST BANKERS, INC. PERFORMANCE STOCK UNIT AGREEMENT This Performance Stock Unit Agreement (hereinafter referred to as the “Agreement”) is made and entered into this [•] day of [•], [•] (the “Grant Date”) by and between Cullen/Frost Bankers, Inc. (hereinafter referred to as the “Company”) and [•] (hereinafter referred to as t

February 6, 2024 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended: December 31, 2023 Or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number: 001-13221 CULLEN

February 1, 2024 SC 13G/A

CFR / Cullen/Frost Bankers, Inc. / CULLEN/FROST BANKERS, INC. - SC 13G/A Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 SCHEDULE 13G INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (Amendment No. 43) Cullen/Frost Bankers, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 229899 10 9 (CUSIP Number) December 31

January 26, 2024 EX-99.1

CULLEN/FROST BANKERS ANNOUNCES ELECTION OF HOPE ANDRADE TO BOARD OF DIRECTORS

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE CULLEN/FROST BANKERS ANNOUNCES ELECTION OF HOPE ANDRADE TO BOARD OF DIRECTORS SAN ANTONIO, Jan. 26, 2024 – The board of directors of Cullen/Frost Bankers, Inc. (NYSE: CFR) announced that Hope Andrade has been elected to the board. Andrade will join the board’s Audit and Risk comm

January 26, 2024 8-K

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 24, 2024 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organiza

January 25, 2024 EX-99.1

CULLEN/FROST REPORTS FOURTH QUARTER AND 2023 ANNUAL RESULTS Board declares first quarter dividend on common and preferred stock, and authorizes $150 million stock repurchase program

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE January 25, 2024 CULLEN/FROST REPORTS FOURTH QUARTER AND 2023 ANNUAL RESULTS Board declares first quarter dividend on common and preferred stock, and authorizes $150 million stock repurchase program SAN ANTONIO - Cullen/Frost Bankers, Inc. (NYSE:CFR) today reported fourth quarter

January 25, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 25, 2024 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organiza

October 26, 2023 EX-99.1

CULLEN/FROST REPORTS THIRD QUARTER RESULTS Board declares fourth quarter dividend on common and preferred stock

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE October 26, 2023 CULLEN/FROST REPORTS THIRD QUARTER RESULTS Board declares fourth quarter dividend on common and preferred stock SAN ANTONIO - Cullen/Frost Bankers, Inc. (NYSE:CFR) today reported third quarter 2023 results. Net income available to common shareholders for the thir

October 26, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 26, 2023 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organiza

October 26, 2023 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: September 30, 2023 Or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number: 001-13221 Cullen/Frost Ba

July 27, 2023 8-K

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 27, 2023 Cullen/Frost Banker

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 27, 2023 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organizatio

July 27, 2023 EX-99.1

CULLEN/FROST REPORTS SECOND QUARTER RESULTS Board increases quarterly common dividend by 5.7 percent to $0.92

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE July 27, 2023 CULLEN/FROST REPORTS SECOND QUARTER RESULTS Board increases quarterly common dividend by 5.7 percent to $0.92 SAN ANTONIO - Cullen/Frost Bankers, Inc. (NYSE:CFR) today reported second quarter 2023 results. Net income available to common shareholders for the second q

July 27, 2023 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: June 30, 2023 Or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number: 001-13221 Cullen/Frost Bankers

June 28, 2023 EX-99.1

FROST BANK ANNOUNCES MAJOR EXPANSION IN AUSTIN

Exhibit 99.1 Bill Day 210-220-5427 office 210-288-5498 mobile FOR IMMEDIATE RELEASE FROST BANK ANNOUNCES MAJOR EXPANSION IN AUSTIN AUSTIN, June 27, 2023 –Frost Bank, a subsidiary of Cullen/Frost Bankers, Inc. (NYSE: CFR), will follow up on its successful expansion programs in the Houston and Dallas areas by doubling its number of financial centers in the Austin region by 2026, the company announce

June 28, 2023 8-K

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 27, 2023 Cullen/Frost Banker

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 27, 2023 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organizatio

June 23, 2023 11-K

Form 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ý ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2022 Or ¨ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-13221 A. Full title of the plan and the add

April 27, 2023 8-K

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2023 Cullen/Frost Banke

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2023 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organizati

April 27, 2023 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: March 31, 2023 Or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number: 001-13221 Cullen/Frost Banker

April 27, 2023 EX-99.1

CULLEN/FROST REPORTS FIRST QUARTER RESULTS Board declares second quarter dividend on common and preferred stock

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE April 27, 2023 CULLEN/FROST REPORTS FIRST QUARTER RESULTS Board declares second quarter dividend on common and preferred stock SAN ANTONIO - Cullen/Frost Bankers, Inc. (NYSE:CFR) today reported first quarter 2023 results. Net income available to common shareholders for the first

April 26, 2023 8-K

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 26, 2023 Cullen/Frost Banke

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 26, 2023 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organizati

March 27, 2023 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ý ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2022 Or ¨ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-13221 A. Full title of the plan and the add

March 10, 2023 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant: ☒ Filed by a Party other than the Registrant: ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Definitive Proxy Sta

March 10, 2023 SC 13G/A

CFR / Cullen Frost Bankers Inc. / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 10)* Name of issuer: Cullen/Frost Bankers Inc. Title of Class of Securities: Common Stock CUSIP Number: 229899109 Date of Event Which Requires Filing of this Statement: February 28, 2023 Check the appropriate box to designate the rule pursuant to which this Schedule is f

March 10, 2023 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant: ☒ Filed by a Party other than the Registrant: ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Definitive Proxy Sta

February 14, 2023 SC 13G/A

CFR / Cullen/Frost Bankers, Inc. / Aristotle Capital Management, LLC Passive Investment

SC 13G/A 1 fp0081834-1sc13ga.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (AMENDMENT NO. 4)* CULLEN/FROST BANKERS, INC. (Name of Issuer) Common Stock, Par Value of $0.01 Per Share (Title of Class of Securities) 229

February 9, 2023 SC 13G/A

CFR / Cullen/Frost Bankers, Inc. / CULLEN/FROST BANKERS, INC. - SC 13G/A Passive Investment

SC 13G/A 1 schedule13ga2022.htm SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 SCHEDULE 13G INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (Amendment No. 42) Cullen/Frost Bankers, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securitie

February 9, 2023 SC 13G/A

CFR / Cullen/Frost Bankers, Inc. / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SC 13G/A 1 tv0692-cullenfrostbankersinc.htm SCHEDULE 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 9)* Name of issuer: Cullen/Frost Bankers Inc. Title of Class of Securities: Common Stock CUSIP Number: 229899109 Date of Event Which Requires Filing of this Statement: December 30, 2022 Check the appropriate box

February 3, 2023 EX-4.1

Description of Registrant's Securities

Exhibit 4.1 DESCRIPTION OF REGISTRANT’S SECURITIES Cullen/Frost Bankers, Inc. (“Cullen/Frost” or “we”) has three classes of securities registered under Section 12 of the Securities Exchange Act of 1934 (the “Exchange Act”): (i) our common stock; (ii) our 6,000,000 depositary shares (the “Depositary Shares”) each representing a 1/40th interest in a share of our 4.450% non-cumulative perpetual prefe

February 3, 2023 EX-10.17

Form of Performance Stock Unit Award Agreement - 2022

Exhibit 10.17 Form of Performance Stock Unit Award Agreement 2022 CULLEN/FROST BANKERS, INC. PERFORMANCE STOCK UNIT AGREEMENT This Performance Stock Unit Agreement (hereinafter referred to as the “Agreement”) is made and entered into this [•] day of [•], [•] (the “Grant Date”) by and between Cullen/Frost Bankers, Inc. (hereinafter referred to as the “Company”) and [•] (hereinafter referred to as t

February 3, 2023 EX-24.1

Power of Attorney

EXHIBIT 24.1 POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that each person whose signature appears below constitutes and appoints Patrick B. Frost, Phillip D. Green, and Jerry Salinas, and each of them, his or her true and lawful attorneys-in-fact and agents, and with power of substitution and resubstitution, for him/her and in his/her name, place and stead, and in any and all capacities, to

February 3, 2023 EX-21.1

Subsidiaries of Cullen/Frost Bankers, Inc.

Exhibit 21.1 Subsidiaries of Cullen/Frost Bankers, Inc. Name of Subsidiary State or Other Jurisdiction of Incorporation or Organization Percentage of Voting Securities Owned by Cullen/Frost Bankers, Inc. Cullen/Frost Capital Trust II Delaware 100% Frost Bank Texas 100% Main Plaza Corporation Texas 100% Frost Insurance Agency, Inc. Texas 100% Frost Brokerage Services, Inc. Texas 100% Frost Investme

February 3, 2023 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended: December 31, 2022 Or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number: 001-13221 CULLEN

January 26, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 26, 2023 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organiza

January 26, 2023 8-K

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 25, 2023 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organiza

January 26, 2023 EX-99.1

CULLEN/FROST BANKERS ANNOUNCES ELECTION OF JACK WILLOME TO BOARD OF DIRECTORS

Exhibit 99.1 AB Mendez Investor Relations 210-220-5234 or Bill Day Media Relations 210-220-5427 FOR IMMEDIATE RELEASE CULLEN/FROST BANKERS ANNOUNCES ELECTION OF JACK WILLOME TO BOARD OF DIRECTORS SAN ANTONIO, Jan. 25, 2023 – The board of directors of Cullen/Frost Bankers, Inc. (NYSE: CFR) announced that Jack Willome has been elected to the board. He has joined three board committees: Corporate Gov

January 26, 2023 EX-99.1

CULLEN/FROST REPORTS 4th QUARTER AND 2022 ANNUAL RESULTS Board declares first quarter dividend on common and preferred stock

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE January 26, 2023 CULLEN/FROST REPORTS 4th QUARTER AND 2022 ANNUAL RESULTS Board declares first quarter dividend on common and preferred stock SAN ANTONIO - Cullen/Frost Bankers, Inc. (NYSE:CFR) today reported fourth quarter and full year results for 2022. Net income available to

October 28, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 25, 2022 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organiza

October 27, 2022 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ? Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: September 30, 2022 Or ? Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number: 001-13221 Cullen/Frost Ba

October 27, 2022 EX-99.1

CULLEN/FROST REPORTS THIRD QUARTER RESULTS Board declares fourth quarter dividend on common and preferred stock

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE October 27, 2022 CULLEN/FROST REPORTS THIRD QUARTER RESULTS Board declares fourth quarter dividend on common and preferred stock SAN ANTONIO - Cullen/Frost Bankers, Inc. (NYSE:CFR) today reported third quarter 2022 results. Net income available to common shareholders for the thir

October 27, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 27, 2022 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organiza

October 26, 2022 8-K

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 26, 2022 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organiza

October 26, 2022 EX-99.1

CULLEN/FROST BANKERS ANNOUNCES ELECTION OF JOSEPH A. PIERCE TO BOARD OF DIRECTORS

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE CULLEN/FROST BANKERS ANNOUNCES ELECTION OF JOSEPH A. PIERCE TO BOARD OF DIRECTORS SAN ANTONIO, Oct. 26, 2022 ? The board of directors of Cullen/Frost Bankers, Inc. (NYSE: CFR) announced that Joseph A. Pierce has been elected to the board. He has joined the board?s Corporate Gover

July 28, 2022 EX-10.8

Form of Deferred Stock Unit Award Agreement with Outside Directors

Exhibit 10.8 Form of Deferred Stock Unit Award Agreement with Outside Directors Cullen/Frost Bankers, Inc. 2015 OMNIBUS INCENTIVE PLAN (the "Plan") Deferred Stock Unit Award Agreement This Award Agreement sets forth the terms and conditions of an Award of Deferred Stock Units (?DSUs?) granted to you under the 2015 OMNIBUS INCENTIVE PLAN (the "Plan") as of [?]. 1.The Plan. This Award is made pursua

July 28, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 28, 2022 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organizatio

July 28, 2022 EX-10.7

Form of Performance Stock Unit Award Agreement - 2021

Exhibit 10.7 Form of Performance Stock Unit Award Agreement 2021 CULLEN/FROST BANKERS, INC. PERFORMANCE STOCK UNIT AGREEMENT This Performance Stock Unit Agreement (hereinafter referred to as the ?Agreement?) is made and entered into this [?] day of [?], [?] (the ?Grant Date?) by and between Cullen/Frost Bankers, Inc. (hereinafter referred to as the ?Company?) and [?] (hereinafter referred to as th

July 28, 2022 EX-99.1

CULLEN/FROST REPORTS SECOND QUARTER RESULTS Board increases quarterly common dividend by 16 percent to $0.87

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE July 28, 2022 CULLEN/FROST REPORTS SECOND QUARTER RESULTS Board increases quarterly common dividend by 16 percent to $0.87 SAN ANTONIO - Cullen/Frost Bankers, Inc. (NYSE:CFR) today reported second quarter 2022 results. Net income available to common shareholders for the second qu

July 28, 2022 EX-10.3

Form of Restricted Stock Unit Award Agreement - 4 Year Award

Exhibit 10.3 Form of Restricted Stock Unit Award Agreement - 4 Year Award CULLEN/FROST BANKERS, INC. RESTRICTED STOCK UNIT AGREEMENT This Restricted Stock Unit Agreement (hereinafter referred to as the ?Agreement?) is made and entered into this [?] day of [?], [?] (the ?Grant Date?) by and between Cullen/Frost Bankers, Inc. (hereinafter referred to as the ?Company?) and [?] (hereinafter referred t

July 28, 2022 EX-10.4

Form of Restricted Stock Unit Award Agreement - 3 Year Award

Exhibit 10.4 Form of Restricted Stock Unit Award Agreement - 3 Year Award CULLEN/FROST BANKERS, INC. RESTRICTED STOCK UNIT AGREEMENT This Restricted Stock Unit Agreement (hereinafter referred to as the ?Agreement?) is made and entered into this [?] day of [?], [?] (the ?Grant Date?) by and between Cullen/Frost Bankers, Inc. (hereinafter referred to as the ?Company?) and [?] (hereinafter referred t

July 28, 2022 EX-10.5

Form of Performance Stock Unit Award Agreement - 2019

Exhibit 10.5 Form of Performance Stock Unit Award Agreement 2019 CULLEN/FROST BANKERS, INC. PERFORMANCE STOCK UNIT AGREEMENT This Performance Stock Unit Agreement (hereinafter referred to as the ?Agreement?) is made and entered into this [?] day of [?], [?] (the ?Grant Date?) by and between Cullen/Frost Bankers, Inc. (hereinafter referred to as the ?Company?) and [?] (hereinafter referred to as th

July 28, 2022 EX-10.1

Form of Non-Qualified Stock Option Award Agreement - 2005 Plan

Exhibit 10.1 Form of Non-Qualified Stock Option Award Agreement - 2005 Plan NON-QUALIFIED STOCK OPTION AGREEMENT Agreement made this [?] day of [?], [?] (?Grant Date?) between Cullen/Frost Bankers, Inc., a Texas corporation (the ?Company?), and [?] (?Employee?). To carry out the purposes of Cullen/Frost Bankers, Inc. 2005 OMNIBUS INCENTIVE PLAN (the ?Plan?) by affording Employee the opportunity to

July 28, 2022 EX-10.6

Form of Performance Stock Unit Award Agreement - 2020

Exhibit 10.6 Form of Performance Stock Unit Award Agreement 2020 CULLEN/FROST BANKERS, INC. PERFORMANCE STOCK UNIT AGREEMENT This Performance Stock Unit Agreement (hereinafter referred to as the ?Agreement?) is made and entered into this [?] day of [?], [?] (the ?Grant Date?) by and between Cullen/Frost Bankers, Inc. (hereinafter referred to as the ?Company?) and [?] (hereinafter referred to as th

July 28, 2022 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ? Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: June 30, 2022 Or ? Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number: 001-13221 Cullen/Frost Bankers

July 28, 2022 EX-10.2

Form of Non-Qualified Stock Option Award Agreement - 2015 Plan

Exhibit 10.2 Form of Non-Qualified Stock Option Award Agreement - 2015 Plan NON-QUALIFIED STOCK OPTION AGREEMENT Agreement made this [?] day of [?], [?] (?Grant Date?) between Cullen/Frost Bankers, Inc., a Texas corporation (the ?Company?), and [?] (?Employee?). All capitalized terms used in the Agreement shall have the same meaning given the terms in the Plan (as defined below). To carry out the

June 24, 2022 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ? ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2021 Or ? TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-13221 A. Full title of the plan and the add

April 28, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 28, 2022 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organizati

April 28, 2022 EX-99.1

CULLEN/FROST REPORTS FIRST QUARTER RESULTS Board declares second quarter dividend on common and preferred stock

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE April 28, 2022 CULLEN/FROST REPORTS FIRST QUARTER RESULTS Board declares second quarter dividend on common and preferred stock SAN ANTONIO - Cullen/Frost Bankers, Inc. (NYSE:CFR) today reported first quarter 2022 results. Net income available to common shareholders for the first

April 28, 2022 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ? Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: March 31, 2022 Or ? Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number: 001-13221 Cullen/Frost Banker

April 27, 2022 8-K

Submission of Matters to a Vote of Security Holders

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2022 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organizati

March 25, 2022 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ? ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2021 Or ? TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-13221 A. Full title of the plan and the add

March 17, 2022 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Definitive Proxy State

March 17, 2022 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Defi

February 14, 2022 SC 13G/A

CFR / Cullen/Frost Bankers, Inc. / CULLEN/FROST BANKERS, INC. - SC 13G/A Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 SCHEDULE 13G INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (Amendment No. 41) Cullen/Frost Bankers, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 229899 10 9 (CUSIP Number) December 31

February 14, 2022 SC 13G/A

CFR / Cullen/Frost Bankers, Inc. / Aristotle Capital Management, LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (AMENDMENT NO. 3)* CULLEN/FROST BANKERS, INC. (Name of Issuer) Common Stock, Par Value of $0.01 Per Share (Title of Class of Securities) 229899109 (CUSIP Number) Michelle Go

February 9, 2022 SC 13G/A

CFR / Cullen/Frost Bankers, Inc. / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 8)* Name of issuer: Cullen/Frost Bankers Inc. Title of Class of Securities: Common Stock CUSIP Number: 229899109 Date of Event Which Requires Filing of this Statement: December 31, 2021 Check the appropriate box to designate the rule pursuant to which this Schedule is fi

February 4, 2022 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ? Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended: December 31, 2021 Or ? Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number: 001-13221 CULLEN

February 4, 2022 EX-24.1

Power of Attorney

EXHIBIT 24.1 POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that each person whose signature appears below constitutes and appoints Patrick B. Frost, Phillip D. Green, and Jerry Salinas, and each of them, his or her true and lawful attorneys-in-fact and agents, and with power of substitution and resubstitution, for him/her and in his/her name, place and stead, and in any and all capacities, to

February 4, 2022 EX-10.10

Deferred Stock Unit Award Agreement with 10 Directors

Exhibit 10.1 Deferred Stock Unit Award Agreement with 10 Directors Form of Deferred Stock Unit Award Agreements made with the following directors of Cullen/Frost Bankers, Inc. 1. Carlos Alvarez 2. Chris M. Avery 3. Anthony R. Chase 4. Cynthia J. Comparin 5. Samuel G. Dawson 6. Crawford H. Edwards 7. David J. Haemisegger 8. Karen E. Jennings 9. Charles W. Matthews 10. Ida Clement Steen All of the a

February 4, 2022 EX-21.1

Subsidiaries of Cullen/Frost Bankers, Inc.

Exhibit 21.1 Subsidiaries of Cullen/Frost Bankers, Inc. Name of Subsidiary State or Other Jurisdiction of Incorporation or Organization Percentage of Voting Securities Owned by Cullen/Frost Bankers, Inc. Cullen/Frost Capital Trust II Delaware 100% Frost Bank Texas 100% Main Plaza Corporation Texas 100% Frost Insurance Agency, Inc. Texas 100% Frost Brokerage Services, Inc. Texas 100% Frost Investme

January 28, 2022 8-K

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 25, 2022 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organiza

January 28, 2022 EX-99.1

CULLEN/FROST BANKERS ANNOUNCES CHANGES TO BOARD OF DIRECTORS

Exhibit 99.1 Bill Day Media Relations 210-220-5427 CULLEN/FROST BANKERS ANNOUNCES CHANGES TO BOARD OF DIRECTORS SAN ANTONIO, Jan. 28, 2022 ? The board of directors of Cullen/Frost Bankers, Inc. announced that directors Karen E. Jennings and Ida Clement ?Weisie? Steen have notified the board of their decision to retire from the board and not stand for re-election to the board when their terms expir

January 27, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 27, 2022 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organiza

January 27, 2022 EX-99.1

CULLEN/FROST REPORTS 4th QUARTER AND 2021 ANNUAL RESULTS Board declares first quarter dividend on common and preferred stock, and authorizes $100 million stock repurchase program

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE January 27, 2022 CULLEN/FROST REPORTS 4th QUARTER AND 2021 ANNUAL RESULTS Board declares first quarter dividend on common and preferred stock, and authorizes $100 million stock repurchase program SAN ANTONIO - Cullen/Frost Bankers, Inc. (NYSE:CFR) today reported fourth quarter an

October 28, 2021 EX-10.1

Executive Change-in-Control Severance Plan

Exhibit 10.1 Cullen/Frost Bankers, Inc. Executive Change-in-Control Severance Plan ARTICLE I.Establishment, Term, and Purpose 1.1Establishment of the Plan. Cullen/Frost Bankers, Inc. (the ?Company?) hereby establishes a severance plan for its Key Eligible Employees (as defined below), to be known as the Cullen/Frost Bankers, Inc. Executive Change-in-Control Severance Plan (the ?Plan?). 1.2Backgrou

October 28, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 28, 2021 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organiza

October 28, 2021 EX-99.1

CULLEN/FROST REPORTS THIRD QUARTER RESULTS Board declares fourth quarter dividend on common and preferred stock

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE October 28, 2021 CULLEN/FROST REPORTS THIRD QUARTER RESULTS Board declares fourth quarter dividend on common and preferred stock SAN ANTONIO - Cullen/Frost Bankers, Inc. (NYSE:CFR) today reported third quarter 2021 results. Net income available to common shareholders for the thir

October 28, 2021 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ? Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: September 30, 2021 Or ? Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number: 001-13221 Cullen/Frost Ba

September 7, 2021 8-K

Financial Statements and Exhibits, Other Events

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 7, 2021 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organiz

September 7, 2021 EX-99.1

Cullen/Frost Announces Redemption of Trust Securities

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE September 7, 2021 Cullen/Frost Announces Redemption of Trust Securities SAN ANTONIO - Cullen/Frost Bankers, Inc. (NYSE:CFR) today announced the redemption in full of its Floating Rate Junior Subordinated Debt Securities due 2034 (the ?Debentures?), which will result in the redemp

July 29, 2021 EX-99.1

CULLEN/FROST REPORTS SECOND QUARTER RESULTS Board increases quarterly common dividend by 4 percent to $0.75

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE July 29, 2021 CULLEN/FROST REPORTS SECOND QUARTER RESULTS Board increases quarterly common dividend by 4 percent to $0.75 SAN ANTONIO - Cullen/Frost Bankers, Inc. (NYSE:CFR) today reported second quarter 2021 results. Net income available to common shareholders for the second qua

July 29, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 29, 2021 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organizatio

July 29, 2021 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q

Table of Contents United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ? Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: June 30, 2021 Or ? Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number: 001-13221 Cu

June 24, 2021 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ? ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2020 Or ? TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-13221 A. Full title of the plan and the add

April 29, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 29, 2021 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organizati

April 29, 2021 10-Q

Quarterly Report - 10-Q

Table of Contents United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ? Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: March 31, 2021 Or ? Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number: 001-13221 C

April 29, 2021 EX-99.1

CULLEN/FROST REPORTS FIRST QUARTER RESULTS Board declares second quarter dividend on common and preferred stock

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE April 29, 2021 CULLEN/FROST REPORTS FIRST QUARTER RESULTS Board declares second quarter dividend on common and preferred stock SAN ANTONIO - Cullen/Frost Bankers, Inc. (NYSE:CFR) today reported first quarter 2021 results. Net income available to common shareholders for the first

April 29, 2021 EX-10.1

Executive Change-in-Control Severance Plan

Exhibit 10.1 Cullen/Frost Bankers, Inc. Executive Change-in-Control Severance Plan ARTICLE I.Establishment, Term, and Purpose 1.1Establishment of the Plan. Cullen/Frost Bankers, Inc. (the ?Company?) hereby establishes a severance plan for its Key Eligible Employees (as defined below), to be known as the Cullen/Frost Bankers, Inc. Executive Change-in-Control Severance Plan (the ?Plan?). 1.2Backgrou

April 28, 2021 8-K

Submission of Matters to a Vote of Security Holders

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 28, 2021 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organizati

March 25, 2021 11-K

- 11-K - THRIFT PLAN

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ? ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2020 Or ? TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-13221 A. Full title of the plan and the add

March 16, 2021 DEFA14A

- DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Definitive Proxy State

March 16, 2021 DEF 14A

- DEF 14A

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Defi

March 10, 2021 SC 13G/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (AMENDMENT NO. 2)* CULL

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (AMENDMENT NO. 2)* CULLEN/FROST BANKERS, INC. (Name of Issuer) Common Stock, Par Value of $0.01 Per Share (Title of Class of Securities) 229899109 (CUSIP Number) Michelle Go

February 12, 2021 SC 13G/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 SCHEDULE 13G INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (Amendment No. 40) Cul

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 SCHEDULE 13G INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (Amendment No. 40) Cullen/Frost Bankers, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 229899 10 9 (CUSIP Number) December 31

February 10, 2021 SC 13G/A

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 7)*

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 7)* Name of issuer: Cullen/Frost Bankers Inc. Title of Class of Securities: Common Stock CUSIP Number: 229899109 Date of Event Which Requires Filing of this Statement: December 31, 2020 Check the appropriate box to designate the rule pursuant to which this Schedule is fi

February 5, 2021 10-K

Annual Report - 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended: December 31, 2020 Or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number: 001-13221 CULLEN

February 5, 2021 EX-24.1

Power of Attorney

EXHIBIT 24.1 POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that each person whose signature appears below constitutes and appoints Patrick B. Frost, Phillip D. Green, and Jerry Salinas, and each of them, his or her true and lawful attorneys-in-fact and agents, and with power of substitution and resubstitution, for him/her and in his/her name, place and stead, and in any and all capacities, to

February 5, 2021 EX-21.1

Subsidiaries of Cullen/Frost Bankers, Inc.

Exhibit 21.1 Subsidiaries of Cullen/Frost Bankers, Inc. Name of Subsidiary State or Other Jurisdiction of Incorporation or Organization Percentage of Voting Securities Owned by Cullen/Frost Bankers, Inc. Cullen/Frost Capital Trust II Delaware 100% WNB Capital Trust I Delaware 100% Frost Bank Texas 100% Main Plaza Corporation Texas 100% Frost Insurance Agency, Inc. Texas 100% Frost Brokerage Servic

February 5, 2021 EX-4.1

Description of Registrant's Securities

Exhibit 4.1 DESCRIPTION OF REGISTRANT’S SECURITIES As of December 31, 2020, Cullen/Frost Bankers, Inc. (“Cullen/Frost” or “we”) had three classes of securities registered under Section 12 of the Securities Exchange Act of 1934 (the “Exchange Act”): (i) our common stock; (ii) our 6,000,000 depositary shares (the “Depositary Shares”) each representing a 1/40th interest in a share of our 4.450% non-c

February 2, 2021 SC 13G/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (AMENDMENT NO. 1)* CULL

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (AMENDMENT NO. 1)* CULLEN/FROST BANKERS, INC. (Name of Issuer) Common Stock, Par Value of $0.01 Per Share (Title of Class of Securities) 229899109 (CUSIP Number) Michelle Go

January 28, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition - 8-K

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 28, 2021 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organiza

January 28, 2021 EX-99.1

CULLEN/FROST REPORTS 4th QUARTER AND 2020 ANNUAL RESULTS Board declares first quarter dividend on common and preferred stock, and authorizes $100 million stock repurchase program

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE January 28, 2021 CULLEN/FROST REPORTS 4th QUARTER AND 2020 ANNUAL RESULTS Board declares first quarter dividend on common and preferred stock, and authorizes $100 million stock repurchase program SAN ANTONIO - Cullen/Frost Bankers, Inc. (NYSE:CFR) today reported fourth quarter an

November 19, 2020 EX-3.3

Certificate of Designations of 4.450% Non-Cumulative Perpetual Perpetual Preferred Stock, Series B

EXHIBIT 3.3 CERTIFICATE OF DESIGNATIONS OF 4.450% NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES B OF CULLEN/FROST BANKERS, INC. Cullen/Frost Bankers, Inc., a Texas corporation (the “Corporation”), DOES HEREBY CERTIFY: That the following resolutions were duly adopted by the Board of Directors of the Corporation (the “Board of Directors”) at a meeting duly convened and held on April 29, 2020 and

November 19, 2020 8-A12B

- 8-A12B

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 74-1751768 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.

November 19, 2020 EX-4.1

FORM OF DEPOSIT AGREEMENT DEPOSIT AGREEMENT CULLEN/FROST BANKERS, INC. COMPUTERSHARE INC., as Depositary, THE HOLDERS FROM TIME TO TIME OF THE DEPOSITARY RECEIPTS DESCRIBED HEREIN Dated as of November 19, 2020

EXHIBIT 4.1 FORM OF DEPOSIT AGREEMENT DEPOSIT AGREEMENT among CULLEN/FROST BANKERS, INC. and COMPUTERSHARE INC., as Depositary, and THE HOLDERS FROM TIME TO TIME OF THE DEPOSITARY RECEIPTS DESCRIBED HEREIN Dated as of November 19, 2020 TABLE OF CONTENTS Page Article I DEFINED TERMS 1 Section 1.1 Definitions............................................................................................

November 19, 2020 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Material Modification to Rights of Security Holders, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 19, 2020 Cullen/Frost Bankers, Inc. (Exact Name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation) (Commissi

November 19, 2020 EX-1.1

Underwriting Agreement, dated November 12, 2020, by and among Cullen/Frost Bankers, Inc., Morgan Stanley & Co. LLC, BofA Securities, Inc., Goldman Sachs & Co. LLC, as representatives of the several underwriters listed therein.

Exhibit 1.1 Cullen/Frost Bankers, Inc. 6,000,000 Depositary Shares Each Representing a 1/40th Interest in a Share of 4.450% Non-Cumulative Perpetual Preferred Stock, Series B, Par Value $0.01 Per Share Underwriting Agreement November 12, 2020 Morgan Stanley & Co. LLC BofA Securities, Inc. Goldman Sachs & Co. LLC As Representatives of the several Underwriters named in Schedule I hereto c/o Morgan S

November 19, 2020 EX-4.1

Deposit Agreement, dated November 19, 2020, among Cullen/Frost Bankers, Inc., Computershare Inc., as Depositary, and the Holders from time to time of the Depositary Receipts described therein.

Exhibit 4.1 EXECUTION VERSION DEPOSIT AGREEMENT among CULLEN/FROST BANKERS, INC. and COMPUTERSHARE INC., as Depositary, and THE HOLDERS FROM TIME TO TIME OF THE DEPOSITARY RECEIPTS DESCRIBED HEREIN Dated as of November 19, 2020 TABLE OF CONTENTS Page Article I DEFINED TERMS 1 Section 1.1 Definitions 1 Article II FORM OF RECEIPTS, DEPOSIT OF SERIES B PREFERRED STOCK, EXECUTION AND DELIVERY, TRANSFE

November 16, 2020 424B2

CALCULATION OF REGISTRATION FEE Title of each Class of Securities to be Registered Amount to Be Registered Proposed Maximum Offering Price Per Unit Proposed Maximum Aggregate Offering Price Amount of Registration Fee(1) Depositary Shares each represe

424B2 Table of Contents Filed Pursuant to Rule 424(b)(2) Registration No. 333-244971 CALCULATION OF REGISTRATION FEE Title of each Class of Securities to be Registered Amount to Be Registered Proposed Maximum Offering Price Per Unit Proposed Maximum Aggregate Offering Price Amount of Registration Fee(1) Depositary Shares each representing a 1/40th ownership interest in a share of 4.450% Non-Cumula

November 13, 2020 EX-99.1

CULLEN/FROST ANNOUNCES PRICING OF $150 MILLION DEPOSITARY SHARES OFFERING

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE November 12, 2020 CULLEN/FROST ANNOUNCES PRICING OF $150 MILLION DEPOSITARY SHARES OFFERING SAN ANTONIO – Cullen/Frost Bankers, Inc. (NYSE: CFR) (“Cullen/Frost”) today announced the pricing of a public offering of 6,000,000 depositary shares, each representing 1/40th ownership in

November 13, 2020 8-K

Financial Statements and Exhibits, Other Events - 8-K

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 12, 2020 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organiz

November 12, 2020 FWP

6,000,000 Depositary Shares Each Representing a 1/40th Interest in a Share of 4.450% Non-Cumulative Perpetual Preferred Stock, Series B (liquidation preference $1,000 per share (equivalent to $25 per Depositary Share)) Pricing Term Sheet

Issuer Free Writing Prospectus Filed Pursuant to Rule 433 Registration No. 333-244971 6,000,000 Depositary Shares Each Representing a 1/40th Interest in a Share of 4.450% Non-Cumulative Perpetual Preferred Stock, Series B (liquidation preference $1,000 per share (equivalent to $25 per Depositary Share)) Pricing Term Sheet This term sheet supplements the information set forth under “Description of

November 12, 2020 424B5

Subject to Completion. Dated November 12, 2020.

424B5 Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-244971 The information in this preliminary prospectus supplement is not complete and may be changed. This preliminary prospectus supplement is not an offer to sell nor does it seek an offer to buy these securities in any jurisdiction where the offer or sale is not permitted. Subject to Completion. Dated November 12, 2020

October 30, 2020 10-Q

Quarterly Report - 10-Q

Table of Contents United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: September 30, 2020 Or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number: 001-132

October 29, 2020 EX-99.1

CULLEN/FROST REPORTS THIRD QUARTER RESULTS Board increases quarterly common dividend to $0.72

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE October 29, 2020 CULLEN/FROST REPORTS THIRD QUARTER RESULTS Board increases quarterly common dividend to $0.72 SAN ANTONIO - Cullen/Frost Bankers, Inc. (NYSE:CFR) today reported third quarter 2020 results. Net income available to common shareholders for the third quarter of 2020

October 29, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition - 8-K

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 29, 2020 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organiza

August 14, 2020 POSASR

- POSASR

As filed with the Securities and Exchange Commission on August 13, 2020 Registration No.

August 12, 2020 EX-25.2

Form T-1 Statement of Eligibility under the Trust Indenture Act of 1939, as amended, of The Bank of New York Mellon, as Trustee for the Subordinated Debt Securities Indenture, dated as of February 15, 2007.

Exhibit 25.2 Form T-1 Statement of Eligibility under the Trust Indenture Act of 1939, as amended, of The Bank of New York Mellon, as Trustee for the Subordinated Debt Securities Indenture, dated as of February 15, 2007 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM T-1 STATEMENT OF ELIGIBILITY UNDER THE TRUST INDENTURE ACT OF 1939 OF A CORPORATION DESIGNATED TO ACT AS

August 12, 2020 EX-25.1

Form T-1 Statement of Eligibility under the Trust Indenture Act of 1939, as amended, of The Bank of New York Mellon, as Trustee for the Form of Senior Debt Securities Indenture.

Exhibit 25.1 Form T-1 Statement of Eligibility under the Trust Indenture Act of 1939, as amended, of The Bank of New York Mellon, as Trustee for the Form of Senior Debt Securities Indenture UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM T-1 STATEMENT OF ELIGIBILITY UNDER THE TRUST INDENTURE ACT OF 1939 OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE CHECK IF AN APPLICAT

August 12, 2020 EX-4.7

First Supplemental Indenture, dated as of March 17, 2017, to Subordinated Debt Securities Indenture, dated as of February 15, 2007, between Cullen/Frost Bankers, Inc. and the Bank of New York Mellon, as Trustee.

Exhibit 4.7 First Supplemental Indenture, dated as of March 17, 2017, to Subordinated Debt Securities Indenture, dated as of February 15, 2007, between Cullen/Frost Bankers, Inc. and the Bank of New York Mellon, as Trustee CULLEN/FROST BANKERS, INC. Company, AND THE BANK OF NEW YORK MELLON, Trustee Dated as of March 17, 2017 TO SUBORDINATED DEBT SECURITIES INDENTURE Dated as of February 15, 2007 4

August 12, 2020 EX-4.6

Subordinated Debt Securities Indenture, dated as of February 15, 2007, between Cullen/Frost Bankers, Inc. and The Bank of New York, as Trustee.

Exhibit 4.6 Subordinated Debt Securities Indenture, dated as of February 17, 2017, between Cullen/Frost Bankers, Inc. and The Bank of New York, as Trustee CULLEN/FROST BANKERS, INC. TO THE BANK OF NEW YORK, As Trustee Indenture Dated as of February 15, 2007 Subordinated Debt Securities TABLE OF CONTENTS Page PARTIES 1 RECITALS OF THE COMPANY 1 ARTICLE ONE DEFINITIONS AND OTHER PROVISIONS OF GENERA

August 12, 2020 EX-4.4

Form of Certificate representing Cullen/Frost Bankers, Inc. Common Stock.

Exhibit 4.4 Form of Certificate Representing Cullen/Frost Bankers, Inc. Common Stock THE CORPORATION’S ARTICLES OF INCORPORATION AUTHORIZE THE ISSUANCE OF MORE THAN ONE CLASS OF STOCK AND THE DIVISION OF THE PREFERRED STOCK INTO SERIES. THE RELATIVE RIGHTS, CHARACTERISTICS AND PREFERENCES OF EACH CLASS OF STOCK AND EACH SERIES OF PREFERRED STOCK ESTABLISHED BY THE CORPORATION’S BOARD OF DIRECTORS

August 12, 2020 EX-24.1

Power of attorney.

EXHIBIT 24.1 POWER OF ATTORNEY Dated: July 29, 2020 KNOW ALL PERSONS BY THESE PRESENTS, that each person whose signature appears below constitutes and appoints Jerry Salinas and James L. Waters, and each of them severally, his true and lawful attorneys-in-fact and agents, with full power of substitution and resubstitution, for him and in his name, place and stead, in any and all capacities to sign

August 12, 2020 EX-4.5

Form of Senior Debt Securities Indenture between Cullen/Frost Bankers, Inc. and The Bank of New York Mellon, as Trustee.

Exhibit 4.5 Form of Senior Debt Securities Indenture between Cullen/Frost Bankers, Inc. and The Bank of New York Mellon, as Trustee CULLEN/FROST BANKERS, INC. TO THE BANK OF NEW YORK MELLON, as Trustee Indenture Dated as of [ ] Senior Debt Securities TABLE OF CONTENTS Page PARTIES 1 ARTICLE ONE DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION 1 SECTION 101. Definitions 1 Act 2 Affiliate; co

August 12, 2020 S-3ASR

- S-3ASR

Table of Contents As filed with the Securities and Exchange Commission on August 12, 2020 Registration No.

July 31, 2020 EX-3.1

Amended and Restated Bylaws of Cullen/Frost Bankers, Inc.

Exhibit 3.1 Amended and Restated Bylaws of Cullen/Frost Bankers, Inc. AMENDED AND RESTATED BYLAWS OF CULLEN/FROST BANKERS, INC. EFFECTIVE JULY 29, 2020 * * * * * * * * * * * ARTICLE I OFFICES * * * * * * Registered Office Section 1.1 The registered office of Cullen/Frost Bankers, Inc., a Texas corporation (the “Corporation”), shall be at 111 West Houston Street, Suite 100, San Antonio, Texas. Exec

July 31, 2020 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 29, 2020 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organizatio

July 30, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 30, 2020 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organizatio

July 30, 2020 EX-99.1

CULLEN/FROST REPORTS SECOND QUARTER RESULTS Board declares third quarter dividend on common stock

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE July 30, 2020 CULLEN/FROST REPORTS SECOND QUARTER RESULTS Board declares third quarter dividend on common stock SAN ANTONIO - Cullen/Frost Bankers, Inc. (NYSE:CFR) today reported second quarter 2020 results. Net income available to common shareholders for the second quarter of 20

July 30, 2020 EX-10.1

Deferred Stock Unit Award Agreement with 11 directors

Exhibit 10.1 Deferred Stock Unit Award Agreement with 11 Directors Form of Deferred Stock Unit Award Agreements made with the following directors of Cullen/Frost Bankers, Inc. 1. Carlos Alvarez 2. Chris M. Avery 3. Anthony R. Chase 4. Cynthia J. Comparin 5. Samuel G. Dawson 6. Crawford H. Edwards 7. David J. Haemisegger 8. Karen E. Jennings 9. Charles W. Matthews 10. Ida Clement Steen 11. Graham W

July 30, 2020 10-Q

Quarterly Report - 10-Q

Table of Contents United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: June 30, 2020 Or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number: 001-13221 Cu

June 25, 2020 11-K

- 11-K - 401(K) PLAN

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ý ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2019 Or ¨ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-13221 A. Full title of the plan and the add

April 30, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 30, 2020 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organizati

April 30, 2020 EX-99.1

CULLEN/FROST REPORTS FIRST QUARTER RESULTS Board declares second quarter dividend on common stock

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE April 30, 2020 CULLEN/FROST REPORTS FIRST QUARTER RESULTS Board declares second quarter dividend on common stock SAN ANTONIO - Cullen/Frost Bankers, Inc. (NYSE:CFR) today reported first quarter 2020 results. Net income available to common shareholders for the first quarter of 202

April 30, 2020 10-Q

Quarterly Report - 10-Q

Table of Contents United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: March 31, 2020 Or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number: 001-13221 C

April 29, 2020 8-K

Submission of Matters to a Vote of Security Holders

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 29, 2020 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organizati

March 27, 2020 11-K

CFR / Cullen/Frost Bankers, Inc. 11-K - - 11-K - THRIFT PLAN

11-K 1 a1231201911kthrifplan.htm 11-K - THRIFT PLAN UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ý ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2019 Or ¨ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Nu

March 20, 2020 DEF 14A

Schedule 14A

DEF 14A 1 d861885ddef14a.htm DEF 14A Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as

March 16, 2020 EX-99.25

EX-99.25

NOTIFICATION OF THE REMOVAL FROM LISTING AND REGISTRATION OF THE STATED SECURITIES The New York Stock Exchange hereby notifies the SEC of its intention to remove the entire class of the stated securities from listing and registration on the Exchange at the opening of business on March 27, 2020, pursuant to the provisions of Rule 12d2-2 (a).

February 14, 2020 EX-99.1

Cullen/Frost Announces Redemption Of All $150 million Of Its 5.375% Non-Cumulative Perpetual Preferred Stock, Series A

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE February 14, 2020 Cullen/Frost Announces Redemption Of All $150 million Of Its 5.375% Non-Cumulative Perpetual Preferred Stock, Series A SAN ANTONIO - Cullen/Frost Bankers, Inc. (NYSE:CFR) today announced that it has called for redemption all 6,000,000 outstanding shares of its 5

February 14, 2020 SC 13G

CFR / Cullen/Frost Bankers, Inc. / Aristotle Capital Management, LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (AMENDMENT NO. 0)* CULLEN/FROST BANKERS, INC. (Name of Issuer) Common Stock, Par Value of $0.01 Per Share (Title of Class of Securities) 229899109 (CUSIP Number) Michelle Go

February 14, 2020 8-K

Financial Statements and Exhibits, Other Events

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 14, 2020 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organiz

February 12, 2020 SC 13G/A

CFR / Cullen/Frost Bankers, Inc. / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 6)* Name of issuer: Cullen/Frost Bankers Inc Title of Class of Securities: Common Stock CUSIP Number: 229899109 Date of Event Which Requires Filing of this Statement: December 31, 2019 Check the appropriate box to designate the rule pursuant to which this Schedule is fil

February 11, 2020 SC 13G/A

CFR / Cullen/Frost Bankers, Inc. / CULLEN/FROST BANKERS, INC. - SC 13G/A Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 39) Cullen/Frost Bankers, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 229899 10 9 (CUSIP Number) Check the following box if a fee is being paid with this statement: // CUSIP No. 229899 10 9 1) Names of Reporting Persons S.

February 4, 2020 EX-24.1

Power of Attorney

EXHIBIT 24.1 POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that each person whose signature appears below constitutes and appoints Patrick B. Frost, Phillip D. Green, and Jerry Salinas, and each of them, his or her true and lawful attorneys-in-fact and agents, and with power of substitution and resubstitution, for him/her and in his/her name, place and stead, and in any and all capacities, to

February 4, 2020 EX-10.13

Amendment to Change-In-Control Agreements with 7 Executive Officers

Exhibit 10.13 Amendments to Change-In-Control Agreements with Seven Executive Officers Form of Amendments to Change-in-Control Agreements made with the following Executive Officers of Cullen/Frost Bankers, Inc. 1. Robert A. Berman 2. Paul H. Bracher 3. Patrick B. Frost 4. Phillip D. Green 5. William L. Perotti 6. Jerry Salinas 7. Carol Severyn All of the above amendments to agreements are substant

February 4, 2020 EX-4.1

Description of Registrant's Securities

Exhibit 4.1 DESCRIPTION OF REGISTRANT’S SECURITIES As of December 31, 2019, Cullen/Frost Bankers, Inc. (“Cullen/Frost” or “we”) had three classes of securities registered under Section 12 of the Securities Exchange Act of 1934 (the “Exchange Act”): (i) our common stock; (ii) our 6,000,000 shares of 5.375% non-cumulative perpetual preferred stock, series A (the “Preferred Stock”); and (iii) our $10

February 4, 2020 EX-10.12

Change-In-Control Agreements with 5 Executive Officers

Exhibit 10.12 Change-In-Control Agreements with Five Executive Officers Form of Change-in-Control Agreements made with the following Executive Officers of Cullen/Frost Bankers, Inc. 1. Robert A. Berman 2. Paul H. Bracher 3. William L. Perotti 4. Jerry Salinas 5. Carol Severyn All of the above agreements are substantially identical in all material respects, except as to the dates of the agreements

February 4, 2020 10-K

Annual Report - 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended: December 31, 2019 Or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number: 001-13221 CULLEN

February 4, 2020 EX-21.1

Subsidiaries of Cullen/Frost Bankers, Inc.

Exhibit 21.1 Subsidiaries of Cullen/Frost Bankers, Inc. Name of Subsidiary State or Other Jurisdiction of Incorporation or Organization Percentage of Voting Securities Owned by Cullen/Frost Bankers, Inc. Cullen/Frost Capital Trust II Delaware 100% WNB Capital Trust I Delaware 100% Frost Bank Texas 100% Main Plaza Corporation Texas 100% Frost Insurance Agency, Inc. Texas 100% Frost Brokerage Servic

February 4, 2020 EX-10.10

Deferred Stock Unit Award Agreement with 12 Directors

Exhibit 10.10 Deferred Stock Unit Award Agreement with 12 Directors Form of Deferred Stock Unit Award Agreements made with the following directors of Cullen/Frost Bankers, Inc. 1. Carlos Alvarez 2. Chris M. Avery 3. Cynthia J. Comparin 4. Samuel G. Dawson 5. Crawford H. Edwards 6. David J. Haemisegger 7. Karen E. Jennings 8. Richard M. Kleberg III 9. Charles W. Matthews 10. Ida Clement Steen 11. G

January 30, 2020 EX-99.1

CULLEN/FROST REPORTS 4th QUARTER AND 2019 ANNUAL RESULTS Board declares first quarter dividend on common and preferred stock

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE January 30, 2020 CULLEN/FROST REPORTS 4th QUARTER AND 2019 ANNUAL RESULTS Board declares first quarter dividend on common and preferred stock SAN ANTONIO - Cullen/Frost Bankers, Inc. (NYSE:CFR) today reported fourth quarter and annual results for 2019. Cullen/Frost reported net i

January 30, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 30, 2020 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organiza

January 27, 2020 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 21, 2020 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organiza

October 31, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 31, 2019 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organiza

October 31, 2019 EX-99.1

CULLEN/FROST REPORTS THIRD QUARTER RESULTS Board declares fourth quarter dividend on common and preferred stock

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE October 31, 2019 CULLEN/FROST REPORTS THIRD QUARTER RESULTS Board declares fourth quarter dividend on common and preferred stock SAN ANTONIO - Cullen/Frost Bankers, Inc. (NYSE:CFR) today reported third quarter 2019 results. Net income available to common shareholders for the thir

October 31, 2019 10-Q

Quarterly Report - 10-Q

Table of Contents United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: September 30, 2019 Or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number: 001-132

July 26, 2019 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 22, 2019 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organizatio

July 25, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 25, 2019 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction of incorporation or organizatio

July 25, 2019 EX-99.1

CULLEN/FROST REPORTS SECOND QUARTER RESULTS Board declares third quarter dividend on common and preferred stock, and authorizes $100 million stock repurchase program

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE July 25, 2019 CULLEN/FROST REPORTS SECOND QUARTER RESULTS Board declares third quarter dividend on common and preferred stock, and authorizes $100 million stock repurchase program SAN ANTONIO - Cullen/Frost Bankers, Inc. (NYSE:CFR) today reported second quarter 2019 results. Net

July 25, 2019 EX-10.1

Deferred Stock Unit Award Agreement with 13 Directors

Exhibit 10.1 Deferred Stock Unit Award Agreement with 13 Directors Form of Deferred Stock Unit Award Agreements made with the following directors of Cullen/Frost Bankers, Inc. 1. Carlos Alvarez 2. Chris M. Avery 3. Cynthia J. Comparin 4. Samuel G. Dawson 5. Crawford H. Edwards 6. David J. Haemisegger 7. Jarvis V. Hollingsworth 8. Karen E. Jennings 9. Richard M. Kleberg III 10. Charles W. Matthews

July 25, 2019 10-Q

Quarterly Report - 10-Q

Table of Contents United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: June 30, 2019 Or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number: 001-13221 Cu

June 21, 2019 11-K

CFR / Cullen/Frost Bankers, Inc. 11-K - - 11-K - 401(K) PLAN

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ý ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2018 Or ¨ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-13221 A. Full title of the plan and the add

April 25, 2019 8-K

Submission of Matters to a Vote of Security Holders

8-K 1 form8-k2q19proxyvoteresults.htm 8-K - 2019 PROXY VOTE RESULTS United States Securities and Exchange Commission Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d)of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 24, 2019 Cullen/Frost Bankers, Inc. (Exact name of issuer as specified in its charter) Texas 74-1751768 (State or other jurisdiction

April 25, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 25, 2019 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 74-1751768 (State or other jurisdiction of incorporation) (I.R.S. Employer Ident

April 25, 2019 EX-99.1

CULLEN/FROST REPORTS FIRST QUARTER RESULTS Cullen/Frost increases quarterly common dividend by 6.0%

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE April 25, 2019 CULLEN/FROST REPORTS FIRST QUARTER RESULTS Cullen/Frost increases quarterly common dividend by 6.0% SAN ANTONIO - Cullen/Frost Bankers, Inc. (NYSE:CFR) today reported first quarter 2019 results. Net income available to common shareholders for the first quarter of 2

April 25, 2019 10-Q

Quarterly Report - 10-Q

Table of Contents United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ý Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: March 31, 2019 Or ¨ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number: 001-13221 C

March 22, 2019 11-K

CFR / Cullen/Frost Bankers, Inc. 11-K THRIFT PLAN

11-K 1 a1231201811kthrifplan.htm 11-K THRIFT PLAN UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ý ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2018 Or ¨ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numb

March 20, 2019 DEF 14A

CFR / Cullen/Frost Bankers, Inc. DEF 14A

DEF 14A 1 d650439ddef14a.htm DEF 14A Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as

February 8, 2019 SC 13G/A

CFR / Cullen/Frost Bankers, Inc. / CULLEN/FROST BANKERS, INC. - SC 13G/A Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 38) Cullen/Frost Bankers, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 229899 10 9 (CUSIP Number) Check the following box if a fee is being paid with this statement: // CUSIP No. 229899 10 9 1) Names of Reporting Persons S.

February 6, 2019 EX-10.6

Amendment to Change-In-Control Agreements with 6 Executive Officers

Exhibit 10.6 Amendments to Change-In-Control Agreements with Six Executive Officers Form of Amendments to Change-in-Control Agreements made with the following Executive Officers of Cullen/Frost Bankers, Inc. 1. Robert A. Berman 2. Paul H. Bracher 3. Patrick B. Frost 4. Phillip D. Green 5. William L. Perotti 6. Jerry Salinas All of the above amendments to agreements are substantially identical in a

February 6, 2019 EX-10.8

Amendment No. 1 to the Cullen/Frost Restoration Profit Sharing Plan

Exhibit 10.8 Amendment No. 1 to the Cullen/Frost Restoration Profit Sharing Plan (Effective as of January 1, 2009) Whereas, Cullen/Frost Bankers, Inc. (“Company”) maintains the Cullen/Frost Restoration Profit Sharing Plan as last amended and restated effective as of January 1, 2009 (“Plan”) to provide Eligible Employees who are Participants under the Cullen/Frost Profit Sharing Plan with supplemen

February 6, 2019 EX-10.7

Cullen/Frost Restoration Profit Sharing Plan

EX-10.7 8 exhibit107-cullenfrostrest.htm EXHIBIT 10.7 - CULLEN/FROST RESTORATION PROFIT SHARING PLAN Exhibit 10.7 Cullen/Frost Restoration Profit Sharing Plan Amended and Restated Effective January 1, 2009 Contents Article 1. Background 1 1.1 Establishment 1 1.2 Purpose 1 1.3 Application of Plan 1 1.4 Capitalized Terms 1 Article 2. Definitions and Construction 1 2.1 Definitions 1 2.2 Gender and Nu

February 6, 2019 EX-10.5

Change-In-Control Agreements with 4 Executive Officers

Exhibit 10.5 Change-In-Control Agreements with Four Executive Officers Form of Change-in-Control Agreements made with the following Executive Officers of Cullen/Frost Bankers, Inc. 1. Robert A. Berman 2. Paul H. Bracher 3. William L. Perotti 4. Jerry Salinas All of the above agreements are substantially identical in all material respects, except as to the dates of the agreements and the parties th

February 6, 2019 10-K

Annual Report - 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ý Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended: December 31, 2018 Or ¨ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number: 001-13221 CULLEN

February 6, 2019 EX-10.13

Deferred Stock Unit Award Agreement with 12 Directors

EX-10.13 10 exhibit1013-deferredstocku.htm EXHIBIT 10.13 - DEFERRED STOCK UNIT AWARD AGREEMENT WITH 12 DIRECTORS Exhibit 10.13 Deferred Stock Unit Award Agreement with 12 Directors Form of Deferred Stock Unit Award Agreements made with the following directors of Cullen/Frost Bankers, Inc. 1. Carlos Alvarez 2. Chris Avery 3. Sam Dawson 4. Crawford H. Edwards 5. David J. Haemisegger 6. Jarvis V. Hol

February 6, 2019 EX-10.4

Change-In-Control Agreements with 2 Executive Officers

Exhibit 10.4 Change-In-Control Agreements with Two Executive Officers Form of Change-in-Control Agreements made with the following Executive Officers of Cullen/Frost Bankers, Inc. 1. Patrick B. Frost 2. Phillip D. Green All of the above agreements are substantially identical in all material respects, except as to the dates of the agreements and the parties thereto. Cullen/Frost Bankers, Inc. Execu

February 6, 2019 EX-24.1

Power of Attorney

EX-24.1 13 exhibit241-powerofattorney.htm EXHIBIT 24.1 - POWER OF ATTORNEY EXHIBIT 24.1 POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that each person whose signature appears below constitutes and appoints Patrick B. Frost, Phillip D. Green, and Jerry Salinas, and each of them, his or her true and lawful attorneys-in-fact and agents, and with power of substitution and resubstitution, for him/h

February 6, 2019 EX-21.1

Subsidiaries of Cullen/Frost Bankers, Inc.

EX-21.1 11 exhibit211-subsidiariesx10.htm EXHIBIT 21.1 - SUBSIDIARIES Exhibit 21.1 Subsidiaries of Cullen/Frost Bankers, Inc. Name of Subsidiary State or Other Jurisdiction of Incorporation or Organization Percentage of Voting Securities Owned by Cullen/Frost Bankers, Inc. Cullen/Frost Capital Trust II Delaware 100% WNB Capital Trust I Delaware 100% Frost Bank Texas 100% Main Plaza Corporation Tex

February 6, 2019 EX-10.3

Thrift Incentive Stock Purchase Plan for Certain Employees of Cullen/Frost Bankers, Inc.

EX-10.3 4 exhibit103-thriftincentive.htm EXHIBIT 10.3 -THRIFT INCENTIVE STOCK PURCHASE PLAN FOR CERTAIN EMPLOYEES OF CFBI Exhibit 10.3 Thrift Incentive Stock Purchase Plan For Certain Employees of Cullen/Frost Bankers, Inc. Amended and Restated Effective January 1, 2009 Contents Article 1. Establishment and Purpose 1 1.1 Establishment 1 1.2 Purpose 1 1.3 Application of Plan 1 Article 2. Definition

February 6, 2019 EX-10.2

Amendment No. 1 to the Cullen/Frost Bankers, Inc. Restoration Plan

Exhibit 10.2 Amendment No. 1 to the Cullen/Frost Bankers, Inc. Restoration Plan (Effective as of January 1, 2009) Whereas, Cullen/Frost Bankers, Inc. (“Company”) maintains the Cullen/Frost Bankers, Inc. Restoration Plan as last amended and restated effective as of January 1, 2009 (“Plan”), to provide for the payment of certain pension and pension related benefits to certain key management and sele

February 6, 2019 EX-10.1

Cullen/Frost Bankers, Inc. Restoration Plan

EX-10.1 2 exhibit101-cullenfrostbank.htm EXHIBIT 10.1 - CULLEN/FROST BANKERS, INC. RESTORATION PLAN Exhibit 10.1 Cullen/Frost Bankers, Inc. Restoration Plan Amended and Restated Effective January 1, 2009 Contents Article 1. The Plan 1 1.1 Establishment and History 1 1.2 Purpose 1 1.3 Application of the Plan 1 1.4 Capitalized Terms 1 Article 2. Definitions 1 2.1 Definitions 1 2.2 Gender and Number;

February 1, 2019 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 30, 2019 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 001-13221 74-1751768 (State or other jurisdiction (Commission (IRS Employer of

January 31, 2019 EX-99.1

CULLEN/FROST REPORTS 4th QUARTER AND 2018 ANNUAL RESULTS Board declares first quarter dividend on common and preferred stock

Exhibit 99.1 A.B. Mendez Investor Relations 210.220.5234 or Bill Day Media Relations 210.220.5427 FOR IMMEDIATE RELEASE January 31, 2019 CULLEN/FROST REPORTS 4th QUARTER AND 2018 ANNUAL RESULTS Board declares first quarter dividend on common and preferred stock SAN ANTONIO - Cullen/Frost Bankers, Inc. (NYSE:CFR) today reported fourth quarter and annual results for 2018. Cullen/Frost reported net i

January 31, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States Securities and Exchange Commission Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 31, 2019 Cullen/Frost Bankers, Inc. (Exact name of registrant as specified in its charter) Texas 74-1751768 (State or other jurisdiction of incorporation) (I.R.S. Employer Ide

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