Director Jeffrey Rummel reports zero Cullen/Frost (NYSE: CFR) share ownership

Rhea-AI Filing Summary

Cullen/Frost Bankers, Inc. director Jeffrey M. Rummel filed an initial insider ownership report on Form 3. As of January 28, 2026, he reports beneficial ownership of 0 shares of the company’s common stock, held in a direct ownership capacity.

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person^*

Rummel Jeffrey M.

(Last) (First) (Middle)

111 W. HOUSTON STREET

(Street)

SAN ANTONIO TX 78205

(City) (State) (Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
01/28/2026

3. Issuer Name and Ticker or Trading Symbol
CULLEN/FROST BANKERS, INC. [ CFR ]

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

5. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock, $0.01 par value	0	D

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

Remarks:

	/s Jeffrey M. Rummel, by Kirsten T. Irwin under POA	02/06/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What does the Form 3 filed by Jeffrey M. Rummel for CFR show?

The Form 3 shows that director Jeffrey M. Rummel currently reports beneficial ownership of 0 shares of Cullen/Frost Bankers, Inc. common stock as of January 28, 2026, with the reported ownership classified as held directly rather than through any indirect entity.

What is Jeffrey M. Rummel’s relationship to Cullen/Frost Bankers, Inc. (CFR)?

Jeffrey M. Rummel is identified as a director of Cullen/Frost Bankers, Inc. on the Form 3. The filing does not mark him as an officer or 10% owner, and it does not indicate any other relationship category beyond his status as a board director.

How many Cullen/Frost (CFR) shares does director Jeffrey M. Rummel report owning?

Director Jeffrey M. Rummel reports owning 0 shares of Cullen/Frost Bankers, Inc. common stock. Table I of the Form 3 lists common stock with an amount of securities beneficially owned of 0, with the ownership form shown as Direct (D) and no indirect nature described.

Does the Rummel Form 3 for Cullen/Frost (CFR) show any derivative securities?

The Form 3 includes a section for Derivative Securities Beneficially Owned, but no derivative instruments are listed. The table headings appear without any populated entries, indicating no reported options, warrants, or other derivative securities tied to Cullen/Frost common stock.

Is the Rummel Form 3 for CFR an individual or joint/group filing?

The Form 3 is marked as a Form filed by One Reporting Person, indicating it is an individual filing only for Jeffrey M. Rummel. The alternative checkbox for a Form filed by more than one reporting person is not selected in the ownership and filing status section.

What security class is reported on Jeffrey M. Rummel’s Cullen/Frost (CFR) Form 3?

The Form 3 reports holdings in Cullen/Frost Bankers, Inc. Common Stock, $0.01 par value. This class appears in Table I as the only non-derivative security listed, with the amount of securities beneficially owned stated as 0 and the ownership form indicated as direct.