THE 401(K) STOCK PURCHASE PLAN FOR EMPLOYEES OF CULLEN/FROST BANKERS, INC. AND ITS AFFILIATES

Reviewed byPlainRetire Editorial, Retirement Plans Editorial Team · June 7, 2026

ERISA Form 5500 plan record drawn from DOL EBSA — verify with linked source filings below.

CULLEN/FROST BANKERS, INC.

This ESOP plan holds $984M in total assets and serves 4,584 participants as of 2022. It is sponsored by CULLEN/FROST BANKERS, INC. in Texas. The plan reported a net loss of $134M for the year.

Total Assets (2023)

$984M

Participants

4,584

State

Texas

Industry

Finance & Insurance

What the Filing Says About THE 401(K) STOCK PURCHASE PLAN FOR EMPLOYEES OF CULLEN/FROST BANKERS, INC. AND ITS AFFILIATES

THE 401(K) STOCK PURCHASE PLAN FOR EMPLOYEES OF CULLEN/FROST BANKERS, INC. AND ITS AFFILIATES is a ESOP retirement plan sponsored by CULLEN/FROST BANKERS, INC., headquartered in Texas. As of the 2022 Form 5500 filing, the plan reports $984M in total end-of-year assets and covers 4,584 participants across the Finance & Insurance industry. The sponsor's EIN on file with the U.S. Department of Labor is 741751768, and the plan has been effective since 1986-12-01. Its filing status is currently FILING RECEIVED.

Year over year, total assets moved from $1.1B at the beginning of 2022 to $984M at year-end — a decline of 12.0%. Net assets (after liabilities) closed the year at $984M, with reported net income of $-134,323,820 driven by investment returns, contributions received, and benefit payments during the period. These figures reflect what the plan administrator certified on Schedule H or Schedule I of the Form 5500 annual return and can be compared against 2 prior plan-year filings from the same sponsor shown below.

Asset totals and participant counts reflect a single plan year snapshot and can change materially with market conditions, plan mergers, or workforce changes. Fields such as "net income" include both realized investment performance and contribution/distribution flows — a single-year figure does not by itself indicate plan health or participant outcomes. This page summarizes public DOL disclosures for research and educational purposes only and is not retirement, tax, legal, or financial advice. Before making decisions about your own retirement benefits or evaluating an employer's plan, verify the underlying filing directly via the DOL EFAST2 system and consult a qualified professional.

Financial Summary (2023)

Total Assets (Beginning of Year)	$1.1B
Total Assets (End of Year)	$984M
Net Assets (End of Year)	$984M
Net Income	$-134,323,820
Plan Type	ESOP
Employer EIN	741751768
Plan Effective Date	1986-12-01
Filing Status	FILING RECEIVED

Sponsor Plan History (CULLEN/FROST BANKERS, INC.)

Year	Plans	Participants	Total Assets
2022	2	5,240	$1.1B
2023	2	5,598	$1.2B
2024	2	6,097	$1.4B

Nearby ESOP Plans in Texas

Peer ESOP plans — same state, same plan type — ranked by total assets.

THE 401(K) STOCK PURCHASE PLAN FOR EMPLOYEES OF CULLEN/FROST BANKERS, INC. AND ITS AFFILIATES $1.0B · 5,006
IBEW LOCAL NO. 716 RETIREMENT PLAN $117M · 4,760
I.B.E.W. LOCAL UNION NO. 479 ANNUITY / 401(K) PLAN $68M · 1,190
DCCM, LLC 401(K) PLAN $59M · 55
BASTROP BANCSHARES, INC. ESOP WITH 401(K) PROVISIONS $27M · 121

Compare THE 401(K) STOCK PURCHASE PLAN FOR EMPLO… side-by-side with 3 peers →

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Frequently Asked Questions

How much money is in the THE 401(K) STOCK PURCHASE PLAN FOR EMPLOYEES OF CULLEN/FROST BANKERS, INC. AND ITS AFFILIATES? ▼

As of the 2022 Form 5500 filing, THE 401(K) STOCK PURCHASE PLAN FOR EMPLOYEES OF CULLEN/FROST BANKERS, INC. AND ITS AFFILIATES holds $984M in total assets with 4,584 participants. It is sponsored by CULLEN/FROST BANKERS, INC..

What type of plan is THE 401(K) STOCK PURCHASE PLAN FOR EMPLOYEES OF CULLEN/FROST BANKERS, INC. AND ITS AFFILIATES? ▼

THE 401(K) STOCK PURCHASE PLAN FOR EMPLOYEES OF CULLEN/FROST BANKERS, INC. AND ITS AFFILIATES is a ESOP plan. It has been effective since 1986-12-01. The plan is filed with the U.S. Department of Labor under EIN 741751768.

Who sponsors the THE 401(K) STOCK PURCHASE PLAN FOR EMPLOYEES OF CULLEN/FROST BANKERS, INC. AND ITS AFFILIATES? ▼

THE 401(K) STOCK PURCHASE PLAN FOR EMPLOYEES OF CULLEN/FROST BANKERS, INC. AND ITS AFFILIATES is sponsored by CULLEN/FROST BANKERS, INC., located in Texas. The sponsor's EIN is 741751768 and the plan operates in the Finance & Insurance industry.

How did THE 401(K) STOCK PURCHASE PLAN FOR EMPLOYEES OF CULLEN/FROST BANKERS, INC. AND ITS AFFILIATES perform in 2022? ▼

THE 401(K) STOCK PURCHASE PLAN FOR EMPLOYEES OF CULLEN/FROST BANKERS, INC. AND ITS AFFILIATES declined by 12.0% during 2022, moving from $1.1B to $984M in total assets. Net income was $-134,323,820.

Where can I find official filings for THE 401(K) STOCK PURCHASE PLAN FOR EMPLOYEES OF CULLEN/FROST BANKERS, INC. AND ITS AFFILIATES? ▼

Official Form 5500 filings for THE 401(K) STOCK PURCHASE PLAN FOR EMPLOYEES OF CULLEN/FROST BANKERS, INC. AND ITS AFFILIATES are available through the U.S. Department of Labor's EFAST2 system. Search by EIN 741751768 or plan name at efast.dol.gov.

How does THE 401(K) STOCK PURCHASE PLAN FOR EMPLOYEES OF CULLEN/FROST BANKERS, INC. AND ITS AFFILIATES compare to other plans? ▼

You can compare THE 401(K) STOCK PURCHASE PLAN FOR EMPLOYEES OF CULLEN/FROST BANKERS, INC. AND ITS AFFILIATES against other ESOP plans on the plan type page, or view plans in Texas on the state page. PlainRetire tracks the 5,000 largest retirement plans in the U.S. by total assets.