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Cullen/Frost Bankers, Inc.
111 W Houston St
Phone: (210) 220-4011p:210 220-4011 SAN ANTONIO, TX  78205  United States Ticker: CFRCFR
Business Summary
Cullen/Frost Bankers, Inc. is a financial holding and bank holding company. The Company's segments include Banking and Frost Wealth Advisors. The Banking segment includes both commercial and consumer banking services and Frost Insurance Agency. Its commercial banking services are provided to corporations and other business clients and include a range of lending and cash management products. Its consumer banking services include direct lending and depository services. Its Frost Insurance Agency provides insurance brokerage services to individuals and businesses covering corporate and personal property and casualty products, as well as group health and life insurance products. The Frost Wealth Advisors segment includes fee-based services within private trust, retirement services, and financial management services, including personal wealth management and securities brokerage services. The Company serves a range of industries, including energy, manufacturing, construction, and others.

Scores and Ratings
FRISK®
Score		 Z''
Score		 PAYCE®
Score		 DBT
Index		 Moody's
Rating		 Fitch
Rating		 DBRS
Rating
Yes--YesYes--

Financials, News and Filings
Latest
Statement		 Last
Audit
News		 SEC
Filings		 Bankruptcy
Filings		 Suit &
Judgment
Filings		 Tax
Lien
Filings
9/30/202412/31/2023YesYes-YesYes

Industries
SIC Code Description
6021 National commercial banks
6029 Commercial banks, not elsewhere classified
6282 Investment advice
6211 Security brokers, dealers, and flotation companies
6141 Personal credit institutions
6411 Insurance agents, brokers, and service

Officers and Directors

Title
Name
Age		 Title
Date		 Start
Date
Chairman of the Board, Chief Executive Officer Phillip D.Green 69 4/1/2016 7/1/1985
President, Group Executive Vice President and Chief Banking Officer of Frost Bank Paul H.Bracher 66 4/1/2016 2/1/2001
Chief Financial Officer, Group Executive Vice President JerrySalinas 65 1/28/2015 1/28/2015
12 additional Officers and Directors records available in full report.

Subsidiaries
Business Name Address City State/Province Country
CULLEN/FROST CAPITAL TRUST I
CULLEN/FROST CAPITAL TRUST II
WESTERN NATIONAL BANK PO Box 4597 Odessa Texas United States
4 additional Subsidiary records available in full report.

Business Names
Business Name
Carton Service Corporation
CFR
CFR PR A
11 additional Business Names available in full report.

General Information
Number of Employees: 5,495 (As of 12/31/2023)
Outstanding Shares: 64,131,862 (As of 10/28/2024)
Shareholders: 1,050
Stock Exchange: NYSE
Federal Tax Id: 741751768
Email Address: frostbank@frostbank.com


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Thursday, November 21, 2024