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United States
Securities and Exchange Commission
Washington, D.C. 20549
Form 8-K


CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): April 29, 2026
Cullen/Frost Bankers, Inc.
(Exact name of registrant as specified in its charter)
Texas001-1322174-1751768
(State or other jurisdiction of incorporation or organization)(Commission File Number)(I.R.S. Employer Identification No.)
111 W. Houston Street,San Antonio,Texas78205
(Address of principal executive offices)(Zip code)
(210)220-4011
(Registrant's telephone number, including area code)
N/A
(Former name, former address and former fiscal year, if changed since last report
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading Symbol(s)Name of each exchange on
which registered
Common Stock, $.01 Par ValueCFRNew York Stock Exchange
Depositary Shares, each representing a 1/40th interest in a share of 4.450% Non-Cumulative Perpetual Preferred Stock, Series BCFR.PrBNew York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company    ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.    ☐



Item 5.07Submission of Matters to a Vote of Security Holders
At the Annual Meeting of Shareholders of the Company held on April 29, 2026, shareholders voted on the following matters:
(1)To elect fourteen Director nominees to serve on the Board of Directors of the Company for a one-year term that will expire at the 2027 Annual Meeting of Shareholders. Final voting results were as follows:
Name of NomineeVotes ForVotes AgainstAbstentionsBroker
Non-Votes
Hope Andrade51,978,882 523,317 111,181 6,451,057 
Anthony R. Chase51,435,150 1,043,371 134,859 6,451,057 
Cynthia J. Comparin51,708,705 792,323 112,352 6,451,057 
Samuel G. Dawson51,957,106 538,830 117,444 6,451,057 
Crawford H. Edwards52,221,785 274,860 116,735 6,451,057 
John T. Engates52,167,597 316,657 129,126 6,451,057 
Phillip D. Green51,742,031 784,648 86,701 6,451,057 
David J. Haemisegger51,585,394 900,229 127,757 6,451,057 
Charles W. Matthews50,362,468 1,872,037 378,875 6,451,057 
Joseph A. Pierce51,763,247 720,473 129,660 6,451,057 
Jeffrey M. Rummel52,267,841 207,457 138,082 6,451,057 
Linda B. Rutherford51,765,683 724,340 123,357 6,451,057 
Marsha M. Shields52,224,659 273,628 115,093 6,451,057 
Jack Willome51,932,140 531,430 149,810 6,451,057 
(2)To provide nonbinding approval of executive compensation. Final voting results were as follows:
Votes For50,928,898 
Votes Against1,530,796 
Abstentions153,686 
Broker Non-Votes6,451,057 
(3)To ratify the selection of Ernst & Young LLP to act as independent auditors of the Company for the fiscal year that began January 1, 2026. Final voting results were as follows:
Votes For57,710,536 
Votes Against1,237,323 
Abstentions116,578 

2

SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
 
 CULLEN/FROST BANKERS, INC.
By:/s/ Daniel J. Geddes
 Daniel J. Geddes
 Group Executive Vice President and Chief Financial Officer
 (Duly Authorized Officer, Principal Financial Officer)
Dated:April 29, 2026


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