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<title>cfr-20210907</title></head><body><div style="display:none"><ix:header><ix:hidden><ix:nonNumeric contextRef="i307f8ce2c9d54b8cafd67a7e9d9e1140_D20210907-20210907" name="dei:AmendmentFlag" id="id3VybDovL2RvY3MudjEvZG9jOmI1MWViYTEwOWIyYjQzMjZiZWY1MmE2ZmU5ZjllODQxL3NlYzpiNTFlYmExMDliMmI0MzI2YmVmNTJhNmZlOWY5ZTg0MV8xMDMvZnJhZzo0NzAwMjhiNThhOTE0MGE1OTRmYTJiMzI5MzViNzMyNS90YWJsZTphMDg1ZTM5MmYxZTE0YTcxOTM5YzJlN2RhYmI3M2IzOC90YWJsZXJhbmdlOmEwODVlMzkyZjFlMTRhNzE5MzljMmU3ZGFiYjczYjM4XzAtMS0xLTEtMzAw_2970d678-49da-4eee-90d2-59b168bae4db">false</ix:nonNumeric><ix:nonNumeric contextRef="i307f8ce2c9d54b8cafd67a7e9d9e1140_D20210907-20210907" name="dei:EntityCentralIndexKey" 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scheme="http://www.sec.gov/CIK">0000039263</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2021-07-29</xbrli:startDate><xbrli:endDate>2021-07-29</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="i0f1aff56d5554dc8a84eed8d244ccf03_D20210907-20210907"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000039263</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="dei:EntityListingsExchangeAxis">exch:XNYS</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2021-09-07</xbrli:startDate><xbrli:endDate>2021-09-07</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="i91365aa4171e405480a3e325971fdf5a_D20210907-20210907"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000039263</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesBPreferredStockMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="dei:EntityListingsExchangeAxis">exch:XNYS</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2021-09-07</xbrli:startDate><xbrli:endDate>2021-09-07</xbrli:endDate></xbrli:period></xbrli:context></ix:resources></ix:header></div><div id="ib51eba109b2b4326bef52a6fe9f9e841_33"></div><div style="min-height:42.75pt;width:100%"><div><span><br/></span></div></div><div style="-sec-extract:summary;margin-top:3pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:700;line-height:120%"> United States</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:700;line-height:120%">Securities and Exchange Commission</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Washington, D.C. 20549</span></div><div style="margin-top:9pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:700;line-height:120%">Form <ix:nonNumeric contextRef="i307f8ce2c9d54b8cafd67a7e9d9e1140_D20210907-20210907" name="dei:DocumentType" id="id3VybDovL2RvY3MudjEvZG9jOmI1MWViYTEwOWIyYjQzMjZiZWY1MmE2ZmU5ZjllODQxL3NlYzpiNTFlYmExMDliMmI0MzI2YmVmNTJhNmZlOWY5ZTg0MV8zMy9mcmFnOjJiMTI3MWEwNzUxYjRlM2ZiNGYyOWFiOTI5ZGFkY2U5L3RleHRyZWdpb246MmIxMjcxYTA3NTFiNGUzZmI0ZjI5YWI5MjlkYWRjZTlfMjE5OTAyMzI3MDEzMg_26d39fdd-db32-4304-8475-f659e75a44e0">8-K</ix:nonNumeric> </span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">CURRENT REPORT</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Pursuant to Section&#160;13 or 15(d) of the Securities Exchange Act of 1934</span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Date of Report</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> (Date of earliest event reported):  </span><ix:nonNumeric contextRef="i307f8ce2c9d54b8cafd67a7e9d9e1140_D20210907-20210907" format="ixt:date-monthname-day-year-en" name="dei:DocumentPeriodEndDate" id="id3VybDovL2RvY3MudjEvZG9jOmI1MWViYTEwOWIyYjQzMjZiZWY1MmE2ZmU5ZjllODQxL3NlYzpiNTFlYmExMDliMmI0MzI2YmVmNTJhNmZlOWY5ZTg0MV8zMy9mcmFnOjJiMTI3MWEwNzUxYjRlM2ZiNGYyOWFiOTI5ZGFkY2U5L3RleHRyZWdpb246MmIxMjcxYTA3NTFiNGUzZmI0ZjI5YWI5MjlkYWRjZTlfMjE5OTAyMzI3MTEyNQ_75b3fee4-f3ae-4a60-a9d6-9438cf892e95"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">September 7</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">,</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"> 2021</span></ix:nonNumeric></div><div style="margin-top:9pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:24pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i307f8ce2c9d54b8cafd67a7e9d9e1140_D20210907-20210907" name="dei:EntityRegistrantName" id="id3VybDovL2RvY3MudjEvZG9jOmI1MWViYTEwOWIyYjQzMjZiZWY1MmE2ZmU5ZjllODQxL3NlYzpiNTFlYmExMDliMmI0MzI2YmVmNTJhNmZlOWY5ZTg0MV8zMy9mcmFnOjJiMTI3MWEwNzUxYjRlM2ZiNGYyOWFiOTI5ZGFkY2U5L3RleHRyZWdpb246MmIxMjcxYTA3NTFiNGUzZmI0ZjI5YWI5MjlkYWRjZTlfMTA5OTUxMTYyODAxMQ_ffacaaf0-5c0c-4c23-a599-e3d72e0ea57a">Cullen/Frost Bankers, Inc.</ix:nonNumeric></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"> </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(Exact name of registrant as specified in its charter)</span></div><div style="margin-top:5pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:86.257%"><tr><td style="width:1.0%"></td><td style="width:22.120%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td 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id="id3VybDovL2RvY3MudjEvZG9jOmI1MWViYTEwOWIyYjQzMjZiZWY1MmE2ZmU5ZjllODQxL3NlYzpiNTFlYmExMDliMmI0MzI2YmVmNTJhNmZlOWY5ZTg0MV8zMy9mcmFnOjJiMTI3MWEwNzUxYjRlM2ZiNGYyOWFiOTI5ZGFkY2U5L3RhYmxlOjNiM2JmODJhZTFjYzRlOWZiYTlkMTQzNTA2MGYyOTBmL3RhYmxlcmFuZ2U6M2IzYmY4MmFlMWNjNGU5ZmJhOWQxNDM1MDYwZjI5MGZfMC0wLTEtMS0xODY_862edf8e-93c9-4f6a-ad5f-4bdb1ecc9ef5">Texas</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="i307f8ce2c9d54b8cafd67a7e9d9e1140_D20210907-20210907" name="dei:EntityFileNumber" 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Employer Identification No.)</span></td></tr></table></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:52.192%"><tr><td style="width:1.0%"></td><td style="width:43.998%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:22.149%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.224%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.748%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="i307f8ce2c9d54b8cafd67a7e9d9e1140_D20210907-20210907" name="dei:EntityAddressAddressLine1" id="id3VybDovL2RvY3MudjEvZG9jOmI1MWViYTEwOWIyYjQzMjZiZWY1MmE2ZmU5ZjllODQxL3NlYzpiNTFlYmExMDliMmI0MzI2YmVmNTJhNmZlOWY5ZTg0MV8zMy9mcmFnOjJiMTI3MWEwNzUxYjRlM2ZiNGYyOWFiOTI5ZGFkY2U5L3RhYmxlOjMyODdkOTgxOTg1ZjQ5MjQ5ZTUxMWJhM2UyNGFmNzFkL3RhYmxlcmFuZ2U6MzI4N2Q5ODE5ODVmNDkyNDllNTExYmEzZTI0YWY3MWRfMC0wLTEtMS0yMDA_87beb11e-25f8-4c0e-8206-112dc7768320">111 W. Houston Street,</ix:nonNumeric></span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="i307f8ce2c9d54b8cafd67a7e9d9e1140_D20210907-20210907" name="dei:EntityAddressCityOrTown" id="id3VybDovL2RvY3MudjEvZG9jOmI1MWViYTEwOWIyYjQzMjZiZWY1MmE2ZmU5ZjllODQxL3NlYzpiNTFlYmExMDliMmI0MzI2YmVmNTJhNmZlOWY5ZTg0MV8zMy9mcmFnOjJiMTI3MWEwNzUxYjRlM2ZiNGYyOWFiOTI5ZGFkY2U5L3RhYmxlOjMyODdkOTgxOTg1ZjQ5MjQ5ZTUxMWJhM2UyNGFmNzFkL3RhYmxlcmFuZ2U6MzI4N2Q5ODE5ODVmNDkyNDllNTExYmEzZTI0YWY3MWRfMC0xLTEtMS0yMDY_8a41e0cf-0097-4d41-bd46-03b8b2be33a7">San Antonio,</ix:nonNumeric></span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="i307f8ce2c9d54b8cafd67a7e9d9e1140_D20210907-20210907" format="ixt-sec:stateprovnameen" name="dei:EntityAddressStateOrProvince" id="id3VybDovL2RvY3MudjEvZG9jOmI1MWViYTEwOWIyYjQzMjZiZWY1MmE2ZmU5ZjllODQxL3NlYzpiNTFlYmExMDliMmI0MzI2YmVmNTJhNmZlOWY5ZTg0MV8zMy9mcmFnOjJiMTI3MWEwNzUxYjRlM2ZiNGYyOWFiOTI5ZGFkY2U5L3RhYmxlOjMyODdkOTgxOTg1ZjQ5MjQ5ZTUxMWJhM2UyNGFmNzFkL3RhYmxlcmFuZ2U6MzI4N2Q5ODE5ODVmNDkyNDllNTExYmEzZTI0YWY3MWRfMC0yLTEtMS0yMDk_93f0cb7e-41de-496e-8fd5-23ce4c999be5">Texas</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="ic49cb6ac5c3247fd9418fd4c96fa864d_D20210729-20210729" name="dei:EntityAddressPostalZipCode" id="id3VybDovL2RvY3MudjEvZG9jOmI1MWViYTEwOWIyYjQzMjZiZWY1MmE2ZmU5ZjllODQxL3NlYzpiNTFlYmExMDliMmI0MzI2YmVmNTJhNmZlOWY5ZTg0MV8zMy9mcmFnOjJiMTI3MWEwNzUxYjRlM2ZiNGYyOWFiOTI5ZGFkY2U5L3RhYmxlOjMyODdkOTgxOTg1ZjQ5MjQ5ZTUxMWJhM2UyNGFmNzFkL3RhYmxlcmFuZ2U6MzI4N2Q5ODE5ODVmNDkyNDllNTExYmEzZTI0YWY3MWRfMC00LTEtMS0yMTM_863ac492-35cc-4702-844f-c960fa66c274">78205</ix:nonNumeric></span></td></tr><tr><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(Address of principal executive offices)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(Zip code)</span></td></tr></table></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:35.964%"><tr><td style="width:1.0%"></td><td style="width:29.387%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.940%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:22.883%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:29.390%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="i307f8ce2c9d54b8cafd67a7e9d9e1140_D20210907-20210907" name="dei:CityAreaCode" id="id3VybDovL2RvY3MudjEvZG9jOmI1MWViYTEwOWIyYjQzMjZiZWY1MmE2ZmU5ZjllODQxL3NlYzpiNTFlYmExMDliMmI0MzI2YmVmNTJhNmZlOWY5ZTg0MV8zMy9mcmFnOjJiMTI3MWEwNzUxYjRlM2ZiNGYyOWFiOTI5ZGFkY2U5L3RhYmxlOjM2YzMxNzAzM2UzNTQzZThiODAyMmQwODAyNzRkZTcyL3RhYmxlcmFuZ2U6MzZjMzE3MDMzZTM1NDNlOGI4MDIyZDA4MDI3NGRlNzJfMC0xLTEtMS0yMTg_ed27d50c-4ae9-4cb3-8c21-dc3f054a6d5c">(210)</ix:nonNumeric></span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="i307f8ce2c9d54b8cafd67a7e9d9e1140_D20210907-20210907" name="dei:LocalPhoneNumber" id="id3VybDovL2RvY3MudjEvZG9jOmI1MWViYTEwOWIyYjQzMjZiZWY1MmE2ZmU5ZjllODQxL3NlYzpiNTFlYmExMDliMmI0MzI2YmVmNTJhNmZlOWY5ZTg0MV8zMy9mcmFnOjJiMTI3MWEwNzUxYjRlM2ZiNGYyOWFiOTI5ZGFkY2U5L3RhYmxlOjM2YzMxNzAzM2UzNTQzZThiODAyMmQwODAyNzRkZTcyL3RhYmxlcmFuZ2U6MzZjMzE3MDMzZTM1NDNlOGI4MDIyZDA4MDI3NGRlNzJfMC0yLTEtMS0yMjU_5b0eea8e-36ad-4a43-ad2c-894d5acae0ec">220-4011</ix:nonNumeric></span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="12" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(Registrant's telephone number, including area code)</span></td></tr></table></div><div style="margin-top:3pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:52.485%"><tr><td style="width:1.0%"></td><td style="width:5.863%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:39.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:22.019%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.320%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.320%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.867%"></td><td style="width:0.1%"></td></tr><tr><td colspan="18" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">N/A</span></td></tr><tr><td colspan="18" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(Former name, former address and former fiscal year, if changed since last report</span></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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:</span></div><div style="margin-top:6pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i307f8ce2c9d54b8cafd67a7e9d9e1140_D20210907-20210907" format="ixt-sec:boolballotbox" name="dei:WrittenCommunications" id="id3VybDovL2RvY3MudjEvZG9jOmI1MWViYTEwOWIyYjQzMjZiZWY1MmE2ZmU5ZjllODQxL3NlYzpiNTFlYmExMDliMmI0MzI2YmVmNTJhNmZlOWY5ZTg0MV8zMy9mcmFnOjJiMTI3MWEwNzUxYjRlM2ZiNGYyOWFiOTI5ZGFkY2U5L3RleHRyZWdpb246MmIxMjcxYTA3NTFiNGUzZmI0ZjI5YWI5MjlkYWRjZTlfMTA5OTUxMTYyODI1MQ_4cc19903-87d1-4037-85cb-cbf343cfc399">&#9744;</ix:nonNumeric>  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</span></div><div style="margin-top:6pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i307f8ce2c9d54b8cafd67a7e9d9e1140_D20210907-20210907" format="ixt-sec:boolballotbox" name="dei:SolicitingMaterial" id="id3VybDovL2RvY3MudjEvZG9jOmI1MWViYTEwOWIyYjQzMjZiZWY1MmE2ZmU5ZjllODQxL3NlYzpiNTFlYmExMDliMmI0MzI2YmVmNTJhNmZlOWY5ZTg0MV8zMy9mcmFnOjJiMTI3MWEwNzUxYjRlM2ZiNGYyOWFiOTI5ZGFkY2U5L3RleHRyZWdpb246MmIxMjcxYTA3NTFiNGUzZmI0ZjI5YWI5MjlkYWRjZTlfMTA5OTUxMTYyODM0Mg_9311912d-1ce1-4ab8-8f87-38c7fc5ab04f">&#9744;</ix:nonNumeric>  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</span></div><div style="margin-top:6pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i307f8ce2c9d54b8cafd67a7e9d9e1140_D20210907-20210907" format="ixt-sec:boolballotbox" name="dei:PreCommencementTenderOffer" id="id3VybDovL2RvY3MudjEvZG9jOmI1MWViYTEwOWIyYjQzMjZiZWY1MmE2ZmU5ZjllODQxL3NlYzpiNTFlYmExMDliMmI0MzI2YmVmNTJhNmZlOWY5ZTg0MV8zMy9mcmFnOjJiMTI3MWEwNzUxYjRlM2ZiNGYyOWFiOTI5ZGFkY2U5L3RleHRyZWdpb246MmIxMjcxYTA3NTFiNGUzZmI0ZjI5YWI5MjlkYWRjZTlfMTA5OTUxMTYyODQzNA_8fbae9cb-5c54-4966-bcb3-67a13f3d6618">&#9744;</ix:nonNumeric>  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</span></div><div style="margin-top:6pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="i307f8ce2c9d54b8cafd67a7e9d9e1140_D20210907-20210907" format="ixt-sec:boolballotbox" name="dei:PreCommencementIssuerTenderOffer" id="id3VybDovL2RvY3MudjEvZG9jOmI1MWViYTEwOWIyYjQzMjZiZWY1MmE2ZmU5ZjllODQxL3NlYzpiNTFlYmExMDliMmI0MzI2YmVmNTJhNmZlOWY5ZTg0MV8zMy9mcmFnOjJiMTI3MWEwNzUxYjRlM2ZiNGYyOWFiOTI5ZGFkY2U5L3RleHRyZWdpb246MmIxMjcxYTA3NTFiNGUzZmI0ZjI5YWI5MjlkYWRjZTlfMTA5OTUxMTYyODU0Mg_62f86f4c-acb1-46f2-9c21-a035437711b0">&#9744;</ix:nonNumeric>  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</span></div><div style="margin-top:6pt;text-align:justify"><span><br/></span></div><div style="margin-top:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Securities registered pursuant to Section&#160;12(b) of the Act:</span></div><div style="margin-top:11pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:57.671%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.530%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.864%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.530%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:27.705%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Title of each class</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Trading Symbol(s)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Name of each exchange on <br/>which registered</span></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="i0f1aff56d5554dc8a84eed8d244ccf03_D20210907-20210907" name="dei:Security12bTitle" id="id3VybDovL2RvY3MudjEvZG9jOmI1MWViYTEwOWIyYjQzMjZiZWY1MmE2ZmU5ZjllODQxL3NlYzpiNTFlYmExMDliMmI0MzI2YmVmNTJhNmZlOWY5ZTg0MV8zMy9mcmFnOjJiMTI3MWEwNzUxYjRlM2ZiNGYyOWFiOTI5ZGFkY2U5L3RhYmxlOjMyZGU2OTJjODIxNjRmMjc5YTU2MDQ4YjU1ODkxZTU4L3RhYmxlcmFuZ2U6MzJkZTY5MmM4MjE2NGYyNzlhNTYwNDhiNTU4OTFlNThfMi0wLTEtMS0yNjk_79ae268a-692a-4e13-8cec-cf1c524760da">Common Stock, $.01 Par Value</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="i0f1aff56d5554dc8a84eed8d244ccf03_D20210907-20210907" name="dei:TradingSymbol" id="id3VybDovL2RvY3MudjEvZG9jOmI1MWViYTEwOWIyYjQzMjZiZWY1MmE2ZmU5ZjllODQxL3NlYzpiNTFlYmExMDliMmI0MzI2YmVmNTJhNmZlOWY5ZTg0MV8zMy9mcmFnOjJiMTI3MWEwNzUxYjRlM2ZiNGYyOWFiOTI5ZGFkY2U5L3RhYmxlOjMyZGU2OTJjODIxNjRmMjc5YTU2MDQ4YjU1ODkxZTU4L3RhYmxlcmFuZ2U6MzJkZTY5MmM4MjE2NGYyNzlhNTYwNDhiNTU4OTFlNThfMi0yLTEtMS0yNzU_69b3ad57-70bf-4a99-8d33-c409e270a83c">CFR</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="i0f1aff56d5554dc8a84eed8d244ccf03_D20210907-20210907" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName" id="id3VybDovL2RvY3MudjEvZG9jOmI1MWViYTEwOWIyYjQzMjZiZWY1MmE2ZmU5ZjllODQxL3NlYzpiNTFlYmExMDliMmI0MzI2YmVmNTJhNmZlOWY5ZTg0MV8zMy9mcmFnOjJiMTI3MWEwNzUxYjRlM2ZiNGYyOWFiOTI5ZGFkY2U5L3RhYmxlOjMyZGU2OTJjODIxNjRmMjc5YTU2MDQ4YjU1ODkxZTU4L3RhYmxlcmFuZ2U6MzJkZTY5MmM4MjE2NGYyNzlhNTYwNDhiNTU4OTFlNThfMi00LTEtMS0yNzk_1426b096-2e7a-4c3e-8b74-6b80135e8a91">New York Stock Exchange</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="i91365aa4171e405480a3e325971fdf5a_D20210907-20210907" name="dei:Security12bTitle" id="id3VybDovL2RvY3MudjEvZG9jOmI1MWViYTEwOWIyYjQzMjZiZWY1MmE2ZmU5ZjllODQxL3NlYzpiNTFlYmExMDliMmI0MzI2YmVmNTJhNmZlOWY5ZTg0MV8zMy9mcmFnOjJiMTI3MWEwNzUxYjRlM2ZiNGYyOWFiOTI5ZGFkY2U5L3RhYmxlOjMyZGU2OTJjODIxNjRmMjc5YTU2MDQ4YjU1ODkxZTU4L3RhYmxlcmFuZ2U6MzJkZTY5MmM4MjE2NGYyNzlhNTYwNDhiNTU4OTFlNThfMy0wLTEtMS0yODQ_e2e3e15e-fc16-490e-ab5d-dfebe677e3a3">Depositary Shares, each representing a 1/40th interest in a share of 4.450% Non-Cumulative Perpetual Preferred Stock, Series B</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="i91365aa4171e405480a3e325971fdf5a_D20210907-20210907" name="dei:TradingSymbol" id="id3VybDovL2RvY3MudjEvZG9jOmI1MWViYTEwOWIyYjQzMjZiZWY1MmE2ZmU5ZjllODQxL3NlYzpiNTFlYmExMDliMmI0MzI2YmVmNTJhNmZlOWY5ZTg0MV8zMy9mcmFnOjJiMTI3MWEwNzUxYjRlM2ZiNGYyOWFiOTI5ZGFkY2U5L3RhYmxlOjMyZGU2OTJjODIxNjRmMjc5YTU2MDQ4YjU1ODkxZTU4L3RhYmxlcmFuZ2U6MzJkZTY5MmM4MjE2NGYyNzlhNTYwNDhiNTU4OTFlNThfMy0yLTEtMS0yODg_1a45d49f-0375-464f-9264-201df7dc76fb">CFR.PrB</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="i91365aa4171e405480a3e325971fdf5a_D20210907-20210907" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName" id="id3VybDovL2RvY3MudjEvZG9jOmI1MWViYTEwOWIyYjQzMjZiZWY1MmE2ZmU5ZjllODQxL3NlYzpiNTFlYmExMDliMmI0MzI2YmVmNTJhNmZlOWY5ZTg0MV8zMy9mcmFnOjJiMTI3MWEwNzUxYjRlM2ZiNGYyOWFiOTI5ZGFkY2U5L3RhYmxlOjMyZGU2OTJjODIxNjRmMjc5YTU2MDQ4YjU1ODkxZTU4L3RhYmxlcmFuZ2U6MzJkZTY5MmM4MjE2NGYyNzlhNTYwNDhiNTU4OTFlNThfMy00LTEtMS0yOTE_1b47519e-76ff-4af2-b661-5b38fce675b3">New York Stock Exchange</ix:nonNumeric></span></td></tr></table></div><div style="margin-top:12pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter). </span></div><div style="margin-top:6pt;padding-left:13.5pt;text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Emerging growth company&#160;&#160;&#160;&#160;<ix:nonNumeric contextRef="i307f8ce2c9d54b8cafd67a7e9d9e1140_D20210907-20210907" format="ixt:fixed-false" name="dei:EntityEmergingGrowthCompany" id="id3VybDovL2RvY3MudjEvZG9jOmI1MWViYTEwOWIyYjQzMjZiZWY1MmE2ZmU5ZjllODQxL3NlYzpiNTFlYmExMDliMmI0MzI2YmVmNTJhNmZlOWY5ZTg0MV8zMy9mcmFnOjJiMTI3MWEwNzUxYjRlM2ZiNGYyOWFiOTI5ZGFkY2U5L3RleHRyZWdpb246MmIxMjcxYTA3NTFiNGUzZmI0ZjI5YWI5MjlkYWRjZTlfMTA5OTUxMTYyODk5NQ_36d3428d-5a70-4a4c-8873-08a0397509e0">&#9744;</ix:nonNumeric> </span></div><div style="margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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.&#160;&#160;&#160;&#160;&#9744;</span></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item 8.01&#160;&#160;&#160;&#160;Other Events</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On September 7, 2021, Cullen/Frost Bankers, Inc. (the &#8220;Company&#8221;) sent a redemption notice to Wilmington Trust Company, the Institutional Trustee and Delaware Trustee for WNB Capital Trust I (the &#8220;Trust&#8221;), regarding the redemption in full of the Company&#8217;s Floating Rate Junior Subordinated Debt Securities due 2034 (the &#8220;Debentures&#8221;), which will result in the redemption in full of the Trust&#8217;s Capital Securities ($1,000 liquidation amount per security and $13,000,000 in the aggregate) and Common Securities ($1,000 liquidation amount per security and $403,000 in the aggregate) (together, the &#8220;Trust Securities&#8221;), each on October 23, 2021 (with payment to be made on the next succeeding business day). The Trust Securities will be redeemed pro rata in accordance with their terms, at a redemption price corresponding to the redemption price for the Debentures, which will be equal to 100% of the principal amount of the Debentures ($13,403,000 aggregate principal amount) plus unpaid interest accrued on such Debentures to October 23, 2021 ($85,215.14 in the aggregate).</span></div><div style="text-align:justify;text-indent:18pt"><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company issued a press release on September 7, 2021 regarding the redemption, which is attached as Exhibit 99.1 to this Current Report on Form 8&#8211;K and is incorporated by reference herein.</span></div><div style="text-align:justify;text-indent:18pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item 9.01&#160;&#160;&#160;&#160;Financial Statements and Exhibits</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(d)&#160;&#160;&#160;Exhibits:</span></div><div style="text-align:justify"><span><br/></span></div><div style="padding-left:49.5pt;text-align:justify;text-indent:-31.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">99.1&#160;&#160;&#160;&#160;Press Release dated September 7, 2021.</span></div><div style="margin-top:6pt;padding-left:49.5pt;text-align:justify;text-indent:-31.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">104&#160;&#160;&#160;&#160;Cover Page Interactive Data File - The cover page XBRL tags are embedded within the inline XBRL document.</span></div><div style="margin-top:6pt;padding-left:49.5pt;text-align:justify;text-indent:-31.5pt"><span><br/></span></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div><span><br/></span></div></div><div style="padding-left:83.25pt;text-align:justify;text-indent:-81pt"><span><br/></span></div><div style="padding-left:41.62pt;padding-right:41.62pt;text-align:center;text-indent:-81pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SIGNATURES</span></div><div style="padding-left:83.25pt;text-align:justify;text-indent:-81pt"><span><br/></span></div><div style="padding-left:83.25pt;text-align:justify;text-indent:-81pt"><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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.</span></div><div style="padding-left:83.25pt;text-align:justify;text-indent:-81pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">&#160;&#160;&#160;&#160;CULLEN/FROST BANKERS, INC.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">By:&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">/s/ Jerry Salinas&#160;&#160;&#160;&#160;</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Jerry Salinas</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Group Executive Vice President</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;and Chief Financial Officer</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Dated:&#160;&#160;&#160;&#160;September 7, 2021</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div><span><br/></span></div></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">EXHIBIT INDEX</span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:8.175%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.814%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:88.611%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Exhibit Number</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Description</span></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#160;&#160;&#160;99.1</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="a3q21formxex991xwnbtrupsre.htm">Press Release dated September&#160;7, 2021.</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">104</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cover Page Interactive Data File - The cover page XBRL tags are embedded within the inline XBRL document.</span></td></tr></table></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div><span><br/></span></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div></body></html>
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cfr-20210907
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):
September 7
,
2021
Cullen/Frost Bankers, Inc.
(Exact name of registrant as specified in its charter)
Texas
001-13221
74-1751768
(State or other jurisdiction of incorporation or organization)
(Commission File Number)
(I.R.S. Employer Identification No.)
111 W. Houston Street,
San Antonio,
Texas
78205
(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 class
Trading Symbol(s)
Name of each exchange on
which registered
Common Stock, $.01 Par Value
CFR
New York Stock Exchange
Depositary Shares, each representing a 1/40th interest in a share of 4.450% Non-Cumulative Perpetual Preferred Stock, Series B
CFR.PrB
New 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 8.01    Other Events
On September 7, 2021, Cullen/Frost Bankers, Inc. (the "Company") sent a redemption notice to Wilmington Trust Company, the Institutional Trustee and Delaware Trustee for WNB Capital Trust I (the "Trust"), regarding the redemption in full of the Company's Floating Rate Junior Subordinated Debt Securities due 2034 (the "Debentures"), which will result in the redemption in full of the Trust's Capital Securities ($1,000 liquidation amount per security and $13,000,000 in the aggregate) and Common Securities ($1,000 liquidation amount per security and $403,000 in the aggregate) (together, the "Trust Securities"), each on October 23, 2021 (with payment to be made on the next succeeding business day). The Trust Securities will be redeemed pro rata in accordance with their terms, at a redemption price corresponding to the redemption price for the Debentures, which will be equal to 100% of the principal amount of the Debentures ($13,403,000 aggregate principal amount) plus unpaid interest accrued on such Debentures to October 23, 2021 ($85,215.14 in the aggregate).
The Company issued a press release on September 7, 2021 regarding the redemption, which is attached as Exhibit 99.1 to this Current Report on Form 8–K and is incorporated by reference herein.
Item 9.01    Financial Statements and Exhibits
(d)   Exhibits:
99.1    Press Release dated September 7, 2021.
104    Cover Page Interactive Data File - The cover page XBRL tags are embedded within the inline XBRL document.
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/ Jerry Salinas
Jerry Salinas
Group Executive Vice President
and Chief Financial Officer
Dated:    September 7, 2021
EXHIBIT INDEX
Exhibit Number
Description
99.1
Press Release dated September 7, 2021.
104
Cover Page Interactive Data File - The cover page XBRL tags are embedded within the inline XBRL document.