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CULLEN/FROST BANKERS, INC.

For the period ended Dec 31, 2025. Filed Feb 5, 2026.

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About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Feb 5, 2026

CFR$158.05+1.8%Stored close · as of Nov 9, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Item 16. Form 10-K Summary

None

SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

Date:February 5, 2026CULLEN/FROST BANKERS, INC.
(Registrant)
By:/s/ DANIEL J. GEDDES
Daniel J. GeddesGroup Executive Vice President and Chief Financial Officer

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed by the following persons on behalf of the registrant and in the capacities and on the dates indicated.

SignatureTitleDate
/s/ PHILLIP D. GREEN*Chairman of the Board, Director and Chief Executive Officer (Principal Executive Officer)February 5, 2026
Phillip D. Green
/s/ DANIEL J. GEDDESGroup Executive Vice President and Chief Financial Officer (Principal Financial Officer)February 5, 2026
Daniel J. Geddes
/s/ MATTHEW B. HENSONExecutive Vice President and Chief Accounting Officer (Principal Accounting Officer)February 5, 2026
Matthew B. Henson
/s/ HOPE ANDRADE*DirectorFebruary 5, 2026
Hope Andrade
/s/ CHRIS M. AVERY*DirectorFebruary 5, 2026
Chris M. Avery
/s/ ANTHONY R. CHASE*DirectorFebruary 5, 2026
Anthony R. Chase
/s/ CYNTHIA J. COMPARIN*DirectorFebruary 5, 2026
Cynthia J. Comparin
/s/ SAMUEL G. DAWSON*DirectorFebruary 5, 2026
Samuel G. Dawson
/s/ CRAWFORD H. EDWARDS*DirectorFebruary 5, 2026
Crawford H. Edwards
/s/ DAVID J. HAEMISEGGER*DirectorFebruary 5, 2026
David J. Haemisegger
/s/ CHARLES W. MATTHEWS*DirectorFebruary 5, 2026
Charles W. Matthews
/s/ JOSEPH A. PIERCE*DirectorFebruary 5, 2026
Joseph A. Pierce
/s/ JEFF RUMMEL*DirectorFebruary 5, 2026
Jeff Rummel
/s/ LINDA B. RUTHERFORD*DirectorFebruary 5, 2026
Linda B. Rutherford
/s/ MARSHA M. SHIELDS*DirectorFebruary 5, 2026
Marsha M. Shields
/s/ JACK WILLOME*DirectorFebruary 5, 2026
Jack Willome
*By: /s/ DANIEL J. GEDDESGroup Executive Vice President and Chief Financial Officer (Principal Financial Officer)February 5, 2026
Daniel J. GeddesAs attorney-in-fact for the persons indicated
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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.