Defined Benefit (Pension) · DOL Form 5500 · 2024

Cullen/Frost Bankers, Inc. Pension Plan

Data updated 2026-08-25

$170M
Total assets Near avg plan size
527
Participants Below avg headcount
94th
Percentile by assets National rank
$322,062
Avg per participant High balance/head
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Official DOL plan name: Retirement Plan for Employees of Cullen/Frost Bankers, Inc. & Its Affiliates · Sponsored by Cullen/Frost Bankers, Inc. · Texas · Finance & Insurance

$170M in assets, 527 participants

Cullen/Frost Bankers, Inc.'s Retirement Plan for Employees of Cullen/Frost Bankers, Inc. & Its Affiliates reported $170M in total assets and 527 participants in its 2024 DOL Form 5500 filing, ranking in the 94th 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.

  • #7,679 in Finance & Insurance (8,549 peers)

Where Retirement Plan for Employees of Cullen/Frost Bankers, Inc. & Its Affiliates sits by assets

Retirement Plan for Employees of Cullen/Frost Bankers, Inc. & Its Affiliates sits in the top 10% of all filed plans by assets, $170M for 527 participants (~$322,062/participant), down 2.8% in 2024.

#7,679
in Finance & Insurance (8,549 peers)
-2.8%
assets change YoY
1.7×
vs typical plan assets (national mean)

The plan reported a net loss of $5M for the year, a single-year figure driven by markets and benefit payments, not a measure of plan health.

Retirement Plan for Employees of Cullen/Frost Bankers, Inc. & Its Affiliates's outsized position by total assets

Retirement Plan for Employees of Cullen/Frost Bankers, Inc. & Its Affiliates vs every filed plan by assets

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

$169,726,714 Top 6% higher than 94% 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

Retirement Plan for Employees of Cullen/Frost Bankers, Inc. & Its Affiliates among mid-size filed plans by headcount

Plan-year 2024 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. Retirement Plan for Employees of Cullen/Frost Bankers, Inc. & Its Affiliates sits mid-pack in the medium band (527 participants).

What changed between DOL Form 5500 filings

plan year 2023 → plan year 2024

  • Retirement Plan for Employees of Cullen/Frost Bankers, Inc. & Its Affiliates reported net income fell from $16M in the plan year 2023 filing to -$5M in the plan year 2024 filing.
  • Retirement Plan for Employees of Cullen/Frost Bankers, Inc. & Its Affiliates reported participants fell from 592 in the plan year 2023 filing to 527 in the plan year 2024 filing.
  • Retirement Plan for Employees of Cullen/Frost Bankers, Inc. & Its Affiliates end-of-year assets fell from $175M in the plan year 2023 filing to $170M in the plan year 2024 filing.

See the national 2023→2024 release diff →

Published 5500 schedule card

Filing strip 741751768 · Cullen/Frost Bankers, Inc. PY 2024 · Defined Benefit (Pension)

Retirement Plan for Employees of Cullen/Frost Bankers, Inc. & Its Affiliates · $170M · 527 · 94th

  • VS-ST $170M
  • VS-ST 527
  • VS-ST 94th
  • VS-ST Defined Benefit (Pension)
  • VS-ST near Samford University Pension Plan
  • VS-ST ind #7679

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 →

Retirement Plan for Employees of Cullen/Frost Bankers, Inc. & Its Affiliates in the asset neighbourhood

Samford University Pension PlanSamford University Pension P…$170MRetirement Plan for Employees of Cullen/Frost Bankers, Inc. & Its AffiliatesRetirement Plan for Employee…$170MUnite Here! Workers and Hospitality Employers Vdb Pension TrustUnite Here! Workers and Hosp…$169MMedia Guild Retirement Plan$169MSmart & Final Pension Plan$169M
End-of-year total assets ($M) among Retirement Plan for Employees of Cullen/Frost Bankers, Inc. & Its Affiliates and nearest nationwide Defined Benefit (Pension) peers. Source: DOL Form 5500 plan year 2024.

Scale-class filing particulars (2024)

Total Assets (Beginning of Year)$175M
Net Assets (End of Year)$170M
Net Income-$5M
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 Defined Benefit (Pension) Plans in Texas

Peer Defined Benefit (Pension) plans, same state, same plan type, ranked by total assets.

Retirement Plan for Employees of Cullen/Frost Bankers, Inc. & Its Affiliates vs. nearby Defined Benefit (Pension) plans in Texas, assets vs. participants Scatter plot of 6 data points. -50000050000100000150000 -100102030 Total assets ($B) Participants Retirement Plan for Employees of Cullen/Frost Bankers, Inc. & Its Affiliates, Total assets ($B): 0.169726714 · Participants: 527Retirement Plan for Employees of Cullen/Frost Bankers, Inc. & Its AffiliatesAT&T Pension Benefit Plan, Total assets ($B): 28.265893 · Participants: 100400AT&T Pension Benefit PlanExxonmobil Pension Plan, Total assets ($B): 12.095 · Participants: 22000Exxonmobil Pension PlanChevron Retirement Plan, Total assets ($B): 9.731784707 · Participants: 21297Chevron Retirement PlanShell Pension Plan, Total assets ($B): 9.694184685 · Participants: 12688Shell Pension PlanCaterpillar Inc. Retirement Income Plan, Total assets ($B): 9.1940497 · Participants: 11498Caterpillar Inc. Retirement Income Plan
Retirement Plan for Employees of Cullen/Frost Bankers, Inc. & Its Affiliates vs. nearby Defined Benefit (Pension) plans in Texas, assets vs. participants
Compare Retirement Plan for Employees of Cullen/Frost Bankers, Inc. & Its Affiliates side-by-side with 3 peers →

Retirement Plan for Employees of Cullen/Frost Bankers, Inc. & Its Affiliates's out-of-state Defined Benefit (Pension) peers by assets and headcount

Outside Texas, the nearest Defined Benefit (Pension) by assets is Samford University Pension Plan in AL ($170M); by covered participants it is The Terumo Retirement Plan in NJ (527 participants). Same-state nearby plans are listed separately above.

Closest by plan assets

Nearest other-state filings by tot_assets_eoy ($170M here).

Similar participant headcount

Nearest other-state filings by covered participants (527 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 Retirement Plan for Employees of Cullen/Frost Bankers, Inc. & Its Affiliates assets move in 2024? ▼
Retirement Plan for Employees of Cullen/Frost Bankers, Inc. & Its Affiliates edged down modestly - down 2.8% during 2024, from $175M to $170M. Reported net income was -$5M.
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 Retirement Plan for Employees of Cullen/Frost Bankers, Inc. & Its Affiliates rank by assets among Form 5500 filers? ▼
Retirement Plan for Employees of Cullen/Frost Bankers, Inc. & Its Affiliates ranks in the 94th percentile by end-of-year assets among 123,622 plans that reported assets for plan year 2024 (in the top 10% of all filed plans by assets).
Which Defined Benefit (Pension) plans are similar in size to Retirement Plan for Employees of Cullen/Frost Bankers, Inc. & Its Affiliates? ▼
Among Defined Benefit (Pension) plans in other states, the closest by assets is Samford University Pension Plan in AL ($170M, 327 participants).
Which Defined Benefit (Pension) plans cover a similar participant headcount to Retirement Plan for Employees of Cullen/Frost Bankers, Inc. & Its Affiliates? ▼
Among Defined Benefit (Pension) plans in other states, the closest by covered participants is The Terumo Retirement Plan in NJ (527 participants, $58M 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.