Regulation FD Disclosure Cullen/Frost has posted an investor presentation dated as of June 30, 2026 on its website at https://investor.frostbank.com. A copy of the slide presentation is being furnished as Exhibit 99.1. This Current Report on Form 8-K (including the Exhibit hereto) includes forward looking statements within the meaning of the Securities Exchange Act of 1934, as amended, the Securities Act of 1933, as amended, the Private Securities Litigation Reform Act of 1995, as amended, an…

Results of Operations and Financial Condition Attached as Exhibit 99.1 and incorporated into this item by reference is a press release issued by the Registrant on July 30, 2026 regarding its financial results for the quarter ended June 30, 2026. The information furnished by the Registrant pursuant to this item 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 incor…

Results of Operations and Financial Condition Attached as Exhibit 99.1 and incorporated into this item by reference is a press release issued by the Registrant on April 30, 2026 regarding its financial results for the quarter ended March 31, 2026. The information furnished by the Registrant pursuant to this item 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 inc…

solely to report that Cullen/Frost has posted an updated investor presentation as of December 31, 2025 on its website (https://investor.frostbank.com) and to replace the earlier investor presentation furnished in Exhibit 99.1 (the “Initial Exhibit”) attached to Cullen/Frost’s Current Report on Form 8-K dated February 11, 2026 (the “Initial 8-K”) in its entirety to provide additional information regarding Cullen/Frost's technology strategy, update certain peer data, and to correct certain item…

Regulation FD Disclosure Cullen/Frost has posted an investor presentation dated as of December 31, 2025 on its website at https://investor.frostbank.com. A copy of the slide presentation is being furnished as Exhibit 99.1. This Current Report on Form 8-K (including the Exhibit hereto) includes forward looking statements within the meaning of the Securities Exchange Act of 1934, as amended, the Securities Act of 1933, as amended, the Private Securities Litigation Reform Act of 1995, as amended…

Director — Dr. Chris Avery: Dr. Chris Avery is retiring and not standing for re-election to the Board of Directors, but two new directors were elected.

Results of Operations and Financial Condition Attached as Exhibit 99.1 and incorporated into this item by reference is a press release issued by the Registrant on January 29, 2026 regarding its financial results for the quarter and year ended December 31, 2025. The information furnished by the Registrant pursuant to this item 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 de…

Results of Operations and Financial Condition Attached as Exhibit 99.1 and incorporated into this item by reference is a press release issued by the Registrant on October 30, 2025 regarding its financial results for the quarter ended September 30, 2025. The information furnished by the Registrant pursuant to this item 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…

Regulation FD Disclosure Cullen/Frost has posted an investor presentation dated as of June 30, 2025 on its website at https://investor.frostbank.com. A copy of the slide presentation is being furnished as Exhibit 99.1. This Current Report on Form 8-K (including the Exhibit hereto) includes forward looking statements within the meaning of the Securities Exchange Act of 1934, as amended, the Securities Act of 1933, as amended, the Private Securities Litigation Reform Act of 1995, as amended, an…

Results of Operations and Financial Condition Attached as Exhibit 99.1 and incorporated into this item by reference is a press release issued by the Registrant on July 31, 2025 regarding its financial results for the quarter ended June 30, 2025. The information furnished by the Registrant pursuant to this item 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 incor…

Results of Operations and Financial Condition Attached as Exhibit 99.1 and incorporated into this item by reference is a press release issued by the Registrant on May 1, 2025 regarding its financial results for the quarter ended March 31, 2025. The information furnished by the Registrant pursuant to this item 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 incorp…

Regulation FD Disclosure Cullen/Frost has posted an investor presentation dated as of December 31, 2024 on its website at https://investor.frostbank.com. A copy of the slide presentation is being furnished as Exhibit 99.1. This Current Report on Form 8-K (including the Exhibit hereto) includes forward looking statements within the meaning of the Securities Exchange Act of 1934, as amended, the Securities Act of 1933, as amended, the Private Securities Litigation Reform Act of 1995, as amended…

Results of Operations and Financial Condition Attached as Exhibit 99.1 and incorporated into this item by reference is a press release issued by the Registrant on January 30, 2025 regarding its financial results for the quarter and year ended December 31, 2024. The information furnished by the Registrant pursuant to this item 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 de…

CFO — Dan Geddes: The filing announces the appointment of Dan Geddes to the role of Group Executive Vice President and Chief Financial Officer, which is an internal promotion rather than a departure.

Results of Operations and Financial Condition Attached as Exhibit 99.1 and incorporated into this item by reference is a press release issued by the Registrant on October 31, 2024 regarding its financial results for the quarter ended September 30, 2024. The information furnished by the Registrant pursuant to this item 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…

Regulation FD Disclosure Cullen/Frost has posted an investor presentation dated as of June 30, 2024 on its website at https://investor.frostbank.com. A copy of the slide presentation is being furnished as Exhibit 99.1. This Current Report on Form 8-K (including the Exhibit hereto) includes forward looking statements within the meaning of the Securities Exchange Act of 1934, as amended, the Securities Act of 1933, as amended, the Private Securities Litigation Reform Act of 1995, as amended, an…

Results of Operations and Financial Condition Attached as Exhibit 99.1 and incorporated into this item by reference is a press release issued by the Registrant on July 25, 2024 regarding its financial results for the quarter ended June 30, 2024. The information furnished by the Registrant pursuant to this item 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 incor…

CFO — Jerry Salinas: The CFO is retiring with a named internal successor (Dan Geddes) already appointed, indicating an orderly succession rather than a sudden loss of leadership.

Results of Operations and Financial Condition Attached as Exhibit 99.1 and incorporated into this item by reference is a press release issued by the Registrant on April 25, 2024 regarding its financial results for the quarter ended March 31, 2024. The information furnished by the Registrant pursuant to this item 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 inc…

The filing discloses the approval of a new equity incentive plan, which is a compensatory arrangement rather than a change in management personnel.