401(k) · DOL Form 5500 · 2024

Cullen/Frost Bankers, Inc. 401(k) Plan

Data updated 2026-08-25

$1.2B
Total assets Very large vs avg
5,570
Participants Above avg headcount
99th
Percentile by assets National rank
$218,017
Avg per participant Above avg balance/head
PlainRetire home → About this data RSS: change history

Official DOL plan name: The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates · Sponsored by Cullen/Frost Bankers, Inc. · Texas · Finance & Insurance

$1.2B in assets, 5,570 participants

Cullen/Frost Bankers, Inc.'s The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates reported $1.2B in total assets and 5,570 participants in its 2024 DOL Form 5500 filing, ranking in the 99th percentile by assets among filed plans. Figures are as reported by the plan sponsor to the Department of Labor, not audited or endorsed by PlainRetire.

  • #8,338 in Finance & Insurance (8,549 peers)

Coverage in Texas

The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates covers 5,570 participants in Texas, 8.1x the typical Texas plan (state average ~688 per filing). Assets: $1.2B.

#8,338
in Finance & Insurance (8,549 peers)
+16.8%
assets growth YoY
12×
vs typical plan assets (national mean)

The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates's outsized position by total assets

The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates vs every filed plan by assets

End-of-year total assets · plan year 2024 · DOL Form 5500

$1,214,356,557 Top 1% higher than 99% of 123,620 filed plans

This plan $0 $2,050,000,000 every filed plan with reported assets, bucketed by value

Dashed line + filled bar = this entry, among filed plans.

Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2024

The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates's large-plan peer group by participant headcount

Plan-year 2024 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates lands in the large band (5,570 participants).

What changed between DOL Form 5500 filings

plan year 2023 → plan year 2024

  • The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates reported net income rose from $55M in the plan year 2023 filing to $175M in the plan year 2024 filing.
  • The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates end-of-year assets rose from $1.0B in the plan year 2023 filing to $1.2B in the plan year 2024 filing.
  • The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates reported participants rose from 5,006 in the plan year 2023 filing to 5,570 in the plan year 2024 filing.

See the national 2023→2024 release diff →

Form 5500 schedule snapshot

Filing strip 741751768 · Cullen/Frost Bankers, Inc. PY 2024 · 401(k)

The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates · $1.2B · 5,570 · 99th

  • PCT $1.2B
  • EIN 5,570
  • RANK 99th
  • PHOTO 401(k)
  • IND near Supply Chain Retirement Savings Plan
  • EOY ind #8338

Stamps derive from this plan's Form 5500 line items (assets, participants, type, EIN, cohort placement) - not a quality rating of the sponsor. Read with Finance & Insurance retirement plans → · Plans in Texas →

The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates in the asset neighbourhood

The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its AffiliatesThe 401(k) Stock Purchase Pl…$1.2BSupply Chain Retirement Savings PlanSupply Chain Retirement Savi…$1.2BCoherent Corp. 401(k) Profit Sharing PlanCoherent Corp. 401(k) Profit…$1.2BBimbo Bakeries USA Savings PlanBimbo Bakeries USA Savings P…$1.2BSonepar USA 401 (K) Plan$1.2B
End-of-year total assets ($B) among The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates and nearest nationwide 401(k) peers. Source: DOL Form 5500 plan year 2024.

Texas filing particulars

Total Assets (Beginning of Year)$1.0B
Net Assets (End of Year)$1.2B
Net Income$175M
Employer EIN741751768
Plan Effective Date1986-12-01
Filing StatusFILING RECEIVED

Sponsor Plan History (Cullen/Frost Bankers, Inc.)

Sponsor-wide plan assets over time

All Cullen/Frost Bankers, Inc. plans reported in each filing year

Latest sponsor-wide plan assets
$1.4B 21.184736104452774% vs 2022
2024 filing year
$1.1B$1.2B$1.3B$1.4B$1.5B 202220232024 $1.14B $1.38B ▲ +21.1%
Year Plans Participants Total Assets
2022 2 5,240 $1.1B
2023 2 5,598 $1.2B
2024 2 6,097 $1.4B

Nearby 401(k) Plans in Texas

Peer 401(k) 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 vs. nearby 401(k) plans in Texas, assets vs. participants Scatter plot of 6 data points. 050000100000150000 -1001020304050 Total assets ($B) Participants The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates, Total assets ($B): 1.214356557 · Participants: 5570The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its AffiliatesAT&T Retirement Savings Plan, Total assets ($B): 43.121795 · Participants: 109889AT&T Retirement Savings PlanExxonmobil Savings Plan, Total assets ($B): 23.711 · Participants: 21990Exxonmobil Savings PlanChevron Employee Savings Investment Plan, Total assets ($B): 20.378704663 · Participants: 21505Chevron Employee Savings Investment PlanCaterpillar 401(k) Savings Plan, Total assets ($B): 18.81200478 · Participants: 43873Caterpillar 401(k) Savings PlanSouthwest Airlines Co. Retirement Savings Plan, Total assets ($B): 16.991748637 · Participants: 67820Southwest Airlines Co. Retirement Savings Plan
The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates vs. nearby 401(k) plans in Texas, assets vs. participants
Compare The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates side-by-side with 3 peers →

Scale composition for 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 reports $1.2B in end-of-year assets across 5,570 participants (0.010% of the $12.3T held by all Form 5500 filers in the national rollup , and 0.006% of 93,925,755 covered participants) - about $218,017 per participant (1.6x the national average assets-per-participant) . Net income for plan year 2024 was $175M.

This plan identity (EIN 741751768, plan #003) has 3 Form 5500 filings on file from 2022 to 2024 , with end-of-year assets moving from $984M to $1.2B (+23.4%) while covered participants moved from 4,584 to 5,570 . Single-year sparse filers cannot show that trail.

Plan year Participants EOY assets Filing
2022 4,584 $984M Open filing
2023 5,006 $1.0B Open filing
2024 · index core 5,570 $1.2B This page

The same sponsor also keeps 1 other index-core plan on PlainRetire:

The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates's out-of-state 401(k) peers by assets and headcount

Outside Texas, the nearest 401(k) by assets is Supply Chain Retirement Savings Plan in OH ($1.2B); by covered participants it is Blue Cross and Blue Shield of North Carolina 401(k) Plan in NC (5,572 participants). Same-state nearby plans are listed separately above.

Closest by plan assets

Nearest other-state filings by tot_assets_eoy ($1.2B here).

Similar participant headcount

Nearest other-state filings by covered participants (5,570 participants); asset peers above are excluded.

DOL Form 5500 plan year 2024. Asset totals can differ widely at the same headcount; neither axis is a quality rating.

Frequently Asked Questions

How did The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates assets move in 2024? ▼
The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates grew sharply - up 16.8% during 2024, from $1.0B to $1.2B. Reported net income was $175M.
How have Cullen/Frost Bankers, Inc. plan assets changed over time? ▼
Across 3 plan years on file (2022-2024), Cullen/Frost Bankers, Inc.'s sponsor-wide assets grew 21.2%, from $1.1B to $1.4B.
Where does The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates rank by assets among Form 5500 filers? ▼
The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates ranks in the 99th percentile by end-of-year assets among 123,622 plans that reported assets for plan year 2024 (among the largest 1% of all filed plans).
Which 401(k) plans are similar in size to The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates? ▼
Among 401(k) plans in other states, the closest by assets is Supply Chain Retirement Savings Plan in OH ($1.2B, 36,474 participants).
Which 401(k) plans cover a similar participant headcount to The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates? ▼
Among 401(k) plans in other states, the closest by covered participants is Blue Cross and Blue Shield of North Carolina 401(k) Plan in NC (5,572 participants, $1.4B in assets).

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2024.

Source: DOL EFAST2 filing system (efast.dol.gov) - original filing retrieval by EIN 741751768.

Read our methodology - how this data is sourced, computed, and verified.

Data sourced from U.S. Department of Labor Form 5500 filings (EBSA). See our methodology for details.