CFR 10-K Annual Report Dec. 31, 2024 | Alphaminr
CULLEN/FROST BANKERS, INC.

CFR 10-K Fiscal year ended Dec. 31, 2024

CULLEN/FROST BANKERS, INC.
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PROXIES
DEF 14A
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Filed on March 10, 2023
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Filed on March 17, 2022
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Filed on March 16, 2021
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Filed on March 20, 2020
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Filed on March 20, 2019
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Filed on March 21, 2018
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Filed on March 17, 2017
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Filed on March 28, 2016
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Filed on March 23, 2015
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Filed on March 20, 2013
DEF 14A
Filed on March 19, 2012
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Filed on March 18, 2011
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TABLE OF CONTENTS
Part IprintItem 1. BusinessprintItem 1A. Risk FactorsprintItem 1B. Unresolved Staff CommentsprintItem 1C. CybersecurityprintItem 2. PropertiesprintItem 3. Legal ProceedingsprintItem 4. Mine Safety DisclosuresprintPart IIprintItem 5. Market For Registrant S Common Equity, Related Stockholder Matters and Issuer Purchases Of Equity SecuritiesprintItem 6. [reserved]printItem 7. Management S Discussion and Analysis Of Financial Condition and Results Of OperationsprintItem 7A. Quantitative and Qualitative Disclosures About Market RiskprintItem 8. Financial Statements and Supplementary DataprintNote 1 - Summary Of Significant Accounting PoliciesprintNote 2 - SecuritiesprintNote 3 - LoansprintNote 4 - Premises and Equipment and Lease CommitmentsprintNote 5 - DepositsprintNote 6 - Borrowed FundsprintNote 7 - Off-balance-sheet Arrangements, Commitments, Guarantees and ContingenciesprintNote 8 - Capital and Regulatory MattersprintNote 9 - Earnings Per Common ShareprintNote 10 - Employee Benefit PlansprintNote 11 - Other Non-interest Income and ExpenseprintNote 12 - Income TaxesprintNote 13 - Other Comprehensive Income (loss)printNote 14 - Derivative Financial InstrumentsprintNote 15 - Balance Sheet Offsetting and Repurchase AgreementsprintNote 16 - Fair Value MeasurementsprintNote 17 - Operating SegmentsprintNote 18 - Condensed Financial Statements Of Parent CompanyprintNote 19 - Accounting Standards UpdatesprintItem 9. Changes in and Disagreements with Accountants on Accounting and Financial DisclosureprintItem 9A. Controls and ProceduresprintItem 9B. Other InformationprintItem 9C. Disclosure Regarding Foreign Jurisdictions That Prevent InspectionsprintPart IIIprintItem 10. Directors, Executive Officers and Corporate GovernanceprintItem 11. Executive CompensationprintItem 12. Security Ownership Of Certain Beneficial Owners and Management and Related Stockholder MattersprintItem 13. Certain Relationships and Related Transactions, and Director IndependenceprintItem 14. Principal Accountant Fees and ServicesprintPart IVprintItem 15. Exhibits, Financial Statement SchedulesprintItem 16. Form 10-k Summaryprint

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 PerpetualPreferred 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 10.6(2) 2007 Outside Director Incentive Plan S-8 333-143397 4.4 5/31/2007 10.8(2) Amendment to the 2015 Omnibus Incentive Plan 10-K 001-13221 10.12 2/3/2017 10.9(2) 2024 Equity Incentive Plan DEF 14A 001-13221 Appendix A 3/8/2024 10.10(2) Form of Non-Qualified Stock Option Award Agreement - 2015 Plan 10-Q 001-13221 10.2 7/28/2022 10.11(2) Form of Restricted Stock Unit Award Agreement - 3 Year Award 10-Q 001-13221 10.4 7/28/2022 10.13(2) Form of Performance Stock Unit Award Agreement - 2021 10-Q 001-13221 10.7 7/28/2022 10.14(2) Form of Performance Stock Unit Award Agreement - 2022 10-K 001-13221 10.17 2/3/2023 10.15(2) Form of Performance Stock Unit Award Agreement - 2023 10-K 001-13221 10.17 2/6/2024 10.16(2) Form of Performance Stock Unit Award Agreement - 2024 10.17(2) Form of Deferred Stock Unit Award Agreement with Outside Directors 10-Q 001-13221 10.8 7/28/2022 10.18(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 10-K 001-13221 19.1 2/6/2024 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 10-K 001-13221 97.1 2/6/2024