CFR 10-K Annual Report Dec. 31, 2023

CULLEN/FROST BANKERS, INC.

10-Ks and 10-Qs

10-Q	Quarter ended Sept. 30, 2024
10-Q	Quarter ended June 30, 2024
10-Q	Quarter ended March 31, 2024
10-K	Fiscal year ended Dec. 31, 2023
10-Q	Quarter ended Sept. 30, 2023
10-Q	Quarter ended June 30, 2023
10-Q	Quarter ended March 31, 2023
10-K	Fiscal year ended Dec. 31, 2022
10-Q	Quarter ended Sept. 30, 2022
10-Q	Quarter ended June 30, 2022
10-Q	Quarter ended March 31, 2022
10-K	Fiscal year ended Dec. 31, 2021
10-Q	Quarter ended Sept. 30, 2021
10-Q	Quarter ended June 30, 2021
10-Q	Quarter ended March 31, 2021
10-K	Fiscal year ended Dec. 31, 2020
10-Q	Quarter ended Sept. 30, 2020
10-Q	Quarter ended June 30, 2020
10-Q	Quarter ended March 31, 2020
10-K	Fiscal year ended Dec. 31, 2019
10-Q	Quarter ended Sept. 30, 2019
10-Q	Quarter ended June 30, 2019
10-Q	Quarter ended March 31, 2019
10-K	Fiscal year ended Dec. 31, 2018
10-Q	Quarter ended Sept. 30, 2018
10-Q	Quarter ended June 30, 2018
10-Q	Quarter ended March 31, 2018
10-K	Fiscal year ended Dec. 31, 2017
10-Q	Quarter ended Sept. 30, 2017
10-Q	Quarter ended June 30, 2017
10-Q	Quarter ended March 31, 2017
10-K	Fiscal year ended Dec. 31, 2016
10-Q	Quarter ended Sept. 30, 2016
10-Q	Quarter ended June 30, 2016
10-Q	Quarter ended March 31, 2016
10-K	Fiscal year ended Dec. 31, 2015
10-Q	Quarter ended Sept. 30, 2015
10-Q	Quarter ended June 30, 2015
10-Q	Quarter ended March 31, 2015
10-K	Fiscal year ended Dec. 31, 2014
10-Q	Quarter ended Sept. 30, 2014
10-Q	Quarter ended June 30, 2014
10-Q	Quarter ended March 31, 2014
10-K	Fiscal year ended Dec. 31, 2013
10-Q	Quarter ended Sept. 30, 2013
10-Q	Quarter ended June 30, 2013
10-Q	Quarter ended March 31, 2013
10-K	Fiscal year ended Dec. 31, 2012
10-Q	Quarter ended Sept. 30, 2012
10-Q	Quarter ended June 30, 2012
10-Q	Quarter ended March 31, 2012
10-K	Fiscal year ended Dec. 31, 2011
10-Q	Quarter ended Sept. 30, 2011
10-Q	Quarter ended June 30, 2011
10-Q	Quarter ended March 31, 2011
10-K	Fiscal year ended Dec. 31, 2010
10-Q	Quarter ended Sept. 30, 2010
10-Q	Quarter ended June 30, 2010
10-Q	Quarter ended March 31, 2010
10-K	Fiscal year ended Dec. 31, 2009

PROXIES

DEF 14A	Filed on March 8, 2024
DEF 14A	Filed on March 10, 2023
DEF 14A	Filed on March 17, 2022
DEF 14A	Filed on March 16, 2021
DEF 14A	Filed on March 20, 2020
DEF 14A	Filed on March 20, 2019
DEF 14A	Filed on March 21, 2018
DEF 14A	Filed on March 17, 2017
DEF 14A	Filed on March 28, 2016
DEF 14A	Filed on March 23, 2015
DEF 14A	Filed on March 21, 2014
DEF 14A	Filed on March 20, 2013
DEF 14A	Filed on March 19, 2012
DEF 14A	Filed on March 18, 2011
DEF 14A	Filed on March 19, 2010

TABLE OF CONTENTS

Part I Item 1. Business Item 1A. Risk Factors Item 1B. Unresolved Staff Comments Item 1C. Cybersecurity Item 2. Properties Item 3. Legal Proceedings Item 4. Mine Safety Disclosures Part II Item 5. Market For Registrant S Common Equity, Related Stockholder Matters and Issuer Purchases Of Equity Securities Item 6. [reserved]Item 7. Management S Discussion and Analysis Of Financial Condition and Results Of Operations Item 7A. Quantitative and Qualitative Disclosures About Market Risk Item 8. Financial Statements and Supplementary Data Note 1 - Summary Of Significant Accounting Policies Note 2 - Securities Note 3 - Loans Note 4 - Premises and Equipment and Lease Commitments Note 5 - Deposits Note 6 - Borrowed Funds Note 7 - Off-balance-sheet Arrangements, Commitments, Guarantees and Contingencies Note 8 - Capital and Regulatory Matters Note 9 - Earnings Per Common Share Note 10 - Employee Benefit Plans Note 11 - Other Non-interest Income and Expense Note 12 - Income Taxes Note 13 - Other Comprehensive Income (loss)Note 14 - Derivative Financial Instruments Note 15 - Balance Sheet Offsetting and Repurchase Agreements Note 16 - Fair Value Measurements Note 17 - Operating Segments Note 18 - Condensed Financial Statements Of Parent Company Note 19 - Accounting Standards Updates Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure Item 9A. Controls and Procedures Item 9B. Other Information Item 9C. Disclosure Regarding Foreign Jurisdictions That Prevent Inspections Part III Item 10. Directors, Executive Officers and Corporate Governance Item 11. Executive Compensation Item 12. Security Ownership Of Certain Beneficial Owners and Management and Related Stockholder Matters Item 13. Certain Relationships and Related Transactions, and Director Independence Item 14. Principal Accountant Fees and Services Part IV Item 15. Exhibits, Financial Statement Schedules Item 16. Form 10-k Summary

Exhibits

3.1 Restated Articles of Incorporation of Cullen/Frost Bankers, Inc. 10-Q 001-13221 3.1 7/26/2006 3.2 Amended and Restated Bylaws of Cullen/Frost Bankers, Inc. 8-K 001-13221 3.1 7/31/2020 3.3 Certificate of Designations of 4.450% Non-Cumulative Perpetual Perpetual Preferred Stock, Series B 8-A 001-13221 3.3 11/19/2020 4.1 Description of Registrant's Securities 10-K 001-13221 4.1 2/3/2023 10.1(2) Cullen/Frost Bankers, Inc. Restoration Plan 10-K 001-13221 10.1 2/6/2019 10.2(2) Amendment No. 1 to the Cullen/Frost Bankers, Inc. Restoration Plan 10-K 001-13221 10.2 2/6/2019 10.3(2) Thrift Incentive Stock Purchase Plan for Certain Employees of Cullen/Frost Bankers, Inc. 10-K 001-13221 10.3 2/6/2019 10.4(2) Cullen/Frost Restoration Profit Sharing Plan 10-K 001-13221 10.7 2/6/2019 10.5(2) Amendment No. 1 to the Cullen/Frost Restoration Profit Sharing Plan 10-K 001-13221 10.8 2/6/2019 10.7(2) 2007 Outside Director Incentive Plan S-8 333-143397 4.4 5/31/2007 10.9(2) Amendment to the 2015 Omnibus Incentive Plan 10-K 001-13221 10.12 2/3/2017 10.10(2) Form of Non-Qualified Stock Option Award Agreement - 2005 Plan 10-Q 001-13221 10.1 7/28/2022 10.11(2) Form of Non-Qualified Stock Option Award Agreement - 2015 Plan 10-Q 001-13221 10.2 7/28/2022 10.12(2) Form of Restricted Stock Unit Award Agreement - 4 Year Award 10-Q 001-13221 10.3 7/28/2022 10.13(2) Form of Restricted Stock Unit Award Agreement - 3 Year Award 10-Q 001-13221 10.4 7/28/2022 10.14(2) Form of Performance Stock Unit Award Agreement - 2020 10-Q 001-13221 10.6 7/28/2022 10.15(2) Form of Performance Stock Unit Award Agreement - 2021 10-Q 001-13221 10.7 7/28/2022 10.16(2) Form of Performance Stock Unit Award Agreement - 2022 10-K 001-13221 10.17 2/3/2023 10.17(2) Form of Performance Stock Unit Award Agreement - 2023 10.18(2) Form of Deferred Stock Unit Award Agreement with Outside Directors 10-Q 001-13221 10.8 7/28/2022 10.19(2) Executive Change-in-Control Severance Plan 10-Q 001-13221 10.1 10/28/2021 19.1 Cullen/Frost Bankers, Inc. Insider Trading Policy 21.1 Subsidiaries of Cullen/Frost Bankers, Inc. 23.1 Consent of Independent Registered Public Accounting Firm 24.1 Power of Attorney 31.1 Rule 13a-14(a) Certification of the Chief Executive Officer 31.2 Rule 13a-14(a) Certification of the Chief Financial Officer 32.1(3) Section 1350 Certification of the Chief Executive Officer 32.2(3) Section 1350 Certification of the Chief Financial Officer 97.1 Clawback Policy

CFR 10-K Fiscal year ended Dec. 31, 2023

Exhibits