Item 5.02   Departure of Directors or Certain Officers; Election of Directors;
Appointment of Certain Officers; Compensatory Arrangements of Certain Officers.
On January 25, 2022, Ms. Karen E. Jennings notified Cullen/Frost Bankers, Inc.
("Cullen/Frost") of her decision to retire and not stand for re-election to the
Board of Directors of Cullen/Frost (the "Board") when her term expires at
Cullen/Frost's 2022 Annual Meeting of Shareholders (the "Annual Meeting")
currently scheduled to be held on April 27, 2022.
Also on January 25, 2022, Ms. Ida Clement Steen notified Cullen/Frost of her
decision to retire and not stand for re-election to the Board when her term
expires at the Annual Meeting currently scheduled to be held on April 27, 2022.
Item 7.01  Regulation FD Disclosure
Attached as Exhibit 99.1 and incorporated into this item by reference is a press
release issued by Cullen/Frost on January 28, 2022. The information furnished by
Cullen/Frost pursuant to this item, including Exhibit 99.1, 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.
Item 9.01  Financial Statements and Exhibits

(d) Exhibits:

99.1 Press Release dated January 2 8 , 2022 . 104 Cover Page Interactive Data File - The cover page XBRL tags are embedded within the inline XBRL document.

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