CULLEN/FROST BANKERS, INC.
For the period ended Dec 31, 2025. Filed Feb 5, 2026.
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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
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Item 15. Exhibits, Financial Statement Schedules
(a)The following documents are filed as part of this Annual Report on Form 10-K:
Consolidated Financial Statements. Reference is made to Part II, Item 8, of this Annual Report on Form 10-K.
Consolidated Financial Statement Schedules. These schedules are omitted as the required information is inapplicable or the information is presented in the consolidated financial statements or related notes.
Exhibits. The exhibits to this Annual Report on Form 10-K listed below have been included only with the copy of this report filed with the Securities and Exchange Commission.
| Incorporated by Reference | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| ExhibitNumber · Exhibit Description · FiledHerewith · Form · File No. · Exhibit · FilingDate | |||||||||
| 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 Perpetual Preferred 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 | ||||
| 4.2P(1) | Instruments Defining the Rights of Holders of Long-Term Debt | ||||||||
| 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 | ||||
| 10.7(2) | 2015 Omnibus Incentive Plan | DEF 14A | 001-13221 | Annex A | 3/23/2015 | ||||
| 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 Restricted Stock Unit Award Agreement - 2024 Equity Incentive Plan | 10-Q | 001-13221 | 10.1 | 10/30/2025 | ||||
| 10.11(2) | Form of Performance Stock Unit Award Agreement - 2022 | 10-K | 001-13221 | 10.17 | 2/3/2023 | ||||
| 10.12(2) | Form of Performance Stock Unit Award Agreement - 2023 | 10-K | 001-13221 | 10.17 | 2/6/2024 | ||||
| 10.13(2) | Form of Performance Stock Unit Award Agreement - 2024 | 10-K | 001-13221 | 10.16 | 2/6/2025 | ||||
| 10.14(2) | Form of Performance Stock Unit Award Agreement - 2025 | 10-Q | 001-13221 | 10.2 | 10/30/2025 | ||||
| 10.15(2) | Form of Deferred Stock Unit Award Agreement with Outside Directors | 10-Q | 001-13221 | 10.8 | 7/28/2022 | ||||
| 10.162) | Executive Change-in-Control Severance Plan | X | |||||||
| 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. | X | |||||||
| 23.1 | Consent of Independent Registered Public Accounting Firm | X | |||||||
| 24.1 | Power of Attorney | X | |||||||
| 31.1 | Rule 13a-14(a) Certification of the Chief Executive Officer | X | |||||||
| 31.2 | Rule 13a-14(a) Certification of the Chief Financial Officer | X | |||||||
| Incorporated by Reference | ||||||
|---|---|---|---|---|---|---|
| ExhibitNumber | Exhibit Description | FiledHerewith | Form | File No. | Exhibit | FilingDate |
| 32.1(3) · Section 1350 Certification of the Chief Executive Officer · X | ||||||
| 32.2(3) · Section 1350 Certification of the Chief Financial Officer · X | ||||||
| 97.1 | Clawback Policy | 10-K | 001-13221 | 97.1 | 2/6/2024 | |
| 101.INS(4) | Inline XBRL Instance Document | X | ||||
| 101.SCH | Inline XBRL Taxonomy Extension Schema Document | X | ||||
| 101.CAL | Inline XBRL Taxonomy Extension Calculation Linkbase Document | X | ||||
| 101.DEF | Inline XBRL Taxonomy Extension Definition Linkbase Document | X | ||||
| 101.LAB | Inline XBRL Taxonomy Extension Label Linkbase Document | X | ||||
| 101.PRE | Inline XBRL Taxonomy Extension Presentation Linkbase Document | X | ||||
| 104(5) | Cover Page Interactive Data File | |||||
(1)We agree to furnish to the SEC, upon request, copies of any such instruments.
(2)Management contract or compensatory plan or arrangement.
(3)This exhibit shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, or otherwise subject to the liability of that section, and shall not be deemed to be incorporated by reference into any filing under the Securities Act of 1933 or the Securities Exchange Act of 1934.
(4)The instance document does not appear in the interactive data file because its XBRL tags are embedded within the Inline XBRL document.
(5)Formatted as Inline XBRL and contained within the Inline XBRL Instance Document in Exhibit 101.
(b)Exhibits - See exhibit index included in Item 15(a)3 of this Annual Report on Form 10-K.
(c)Financial Statement Schedules - See Item 15(a)2 of this Annual Report on Form 10-K.
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.