Cullen/Frost Bankers, Inc. filings document the financial reporting, governance and capital structure of a Texas financial holding company whose Frost subsidiary provides banking, investment and insurance services. Form 8-K reports furnish quarterly and annual results, earnings press releases, Regulation FD investor presentations and board-related events.
Proxy and shareholder-vote filings cover director elections, annual meeting matters, executive compensation and governance practices. The company’s Exchange Act records also identify its NYSE-listed common stock and depositary shares representing interests in Series B non-cumulative perpetual preferred stock, along with disclosure topics such as dividends, repurchase authorization, technology strategy and forward-looking risk language for banking operations.
Cullen/Frost Bankers, Inc. executive Jimmy Stead, GEVP Chief Consumer Banking, exercised 4,628 restricted stock units for 4,628 common shares on October 24, 2026. On that date, 1,822 common shares were delivered or withheld for payment of exercise price or tax liability, at a reported $157.05 per share. Stead held 4,200 common shares indirectly through his 401(k) Plan as of October 24, 2026.
Cullen/Frost Bankers, Inc. GEVP & Chief Financial Officer Dan Geddes reported converting 2,004 restricted stock units into 2,004 common shares on October 24, 2026. Each unit represents the right to receive one common share, and the units cliff vested three years from grant. On the same date, 789 shares were delivered or withheld for payment of exercise price or tax liability, at a reported $157.05 per share. Geddes also reported 7,889 shares held indirectly through a 401(k) plan. No Rule 10b5-1 plan is reported.
Cullen/Frost Bankers, Inc. Chief Accounting Officer Matthew Bradley Henson converted 707 restricted stock units into 707 common shares on October 24, 2026. The reported RSU balance following the conversion was 0. The same-day report lists 173 common shares delivered or withheld for payment of exercise price or tax liability, at a reported $157.05 per share. Henson's reported post-transaction holdings include 5,545 direct depositary shares and 6,593 common shares held indirectly through the 401(k) Plan.
Cullen/Frost Bankers, Inc. executive Bobby Berman, GEVP Research & Strategy, exercised 2,741 restricted stock units on October 24, 2026, acquiring 2,741 common shares. On the same date, 1,079 shares were delivered or withheld for payment of exercise price or tax liability. Berman also reported 20,051 shares held indirectly through the 401(k) Plan.
Annette M. Alonzo, GEVP Chief HR Officer at Cullen/Frost Bankers, Inc. (CFR), converted 3,508 restricted stock units into 3,508 common shares on October 24, 2026. On that date, 1,381 shares were delivered or withheld for payment of exercise price or tax liability at $157.05 per share. The reported RSU position following the transaction was 0 shares. Each unit represents the right to receive one common share and cliff vested three years from the grant date. Alonzo also held 16,524 common shares indirectly through the 401(k) Plan.
Cullen/Frost Bankers, Inc. executive Ericka Lynn Pullin, GEVP, Culture & People Dev., reported converting 707 restricted stock units into 707 common shares on October 24, 2026. She also reported 272 shares delivered or withheld for payment of exercise price or tax liability, at $157.05 per share. Pullin reported 4,240.459 common shares held indirectly through the 401(k) Plan as of October 24, 2026.
Cullen/Frost Bankers, Inc. reported Chairman and CEO Phillip D. Green’s exercise/conversion of 20,045 restricted stock units on October 24, 2026, alongside acquisition of 20,045 common shares. Each unit represents the right to receive one common share; the units cliff vested three years from grant. The report also records 7,888 shares delivered or withheld for payment of exercise price or tax liability and a post-transaction balance of 0 restricted stock units. Indirect holdings listed include 38,865 shares through trusts for children, 1,100 shares by spouse and 381 shares through a 401(k) plan.
Cullen/Frost Bankers, Inc. GEVP Chief Wealth Officer Kenneth L. Wilson converted 3,125 restricted stock units into 3,125 common shares on October 24, 2026. He also reported 1,230 common shares delivered or withheld for payment of exercise price or tax liability at $157.05 per share. The reported restricted stock unit position after the conversion was 0. Wilson also reported 302 shares held indirectly through the 401(k) Plan as of October 24, 2026.
At Cullen/Frost Bankers, Inc. (CFR), GEVP and Chief Risk Officer Carol Jean Severyn exercised 3,685 restricted stock units on October 24, 2026, acquiring 3,685 common shares. On that date, 1,451 shares were delivered or withheld for payment of exercise price or tax liability at $157.05 per share. Severyn also reported 9,388 shares held indirectly through the 401(k) Plan on October 24, 2026.
Cullen/Frost Bankers, Inc. furnished an investor presentation dated June 30, 2026 describing its franchise, risk factors, financial profile, and organic growth strategy in Texas. The company highlights a relationship-focused banking model, a branch footprint exclusively in Texas, and recognition for customer satisfaction.
The presentation reports a market capitalization of $9.7 billion, total assets of $53.9 billion, total deposits of $43.3 billion, and total loans of $23.0 billion as of June 30, 2026. Capital ratios include a Common Equity Tier 1 ratio of 13.95% and a Tier 1 leverage ratio of 10.02%. A 15‑year total return of 325.2% is shown versus 293.9% for the S&P 500 and 157.2% for the S&P Regional Bank Index.
Management emphasizes diversified loans (80% commercial, 20% consumer), a Q2‑2026 loans‑to‑deposits ratio of 53.0%, and non‑interest income comprising 23.0% of first‑half‑2026 revenue. The materials outline continued digital investments, conservative credit quality metrics, and an organic expansion program across major Texas markets, while also listing extensive macro, geopolitical, and trade policy risks that could adversely affect performance.