# EDGAR Filing Document

**Accession Number:** 0001964771
**File Stem:** 0001209191-23-007215
**Filing Date:** 2023-2
**Character Count:** 9116
**Document Hash:** 79c1618b468c35bb7493b39cdcdc9cac
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001209191-23-007215.hdr.sgml**: 20230206

**ACCESSION NUMBER**: 0001209191-23-007215

**CONFORMED SUBMISSION TYPE**: 3

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20230125

**FILED AS OF DATE**: 20230206

**DATE AS OF CHANGE**: 20230206

**REPORTING-OWNER**: 

**OWNER DATA:**
- **COMPANY CONFORMED NAME:** John Howard Willome
- **CENTRAL INDEX KEY:** 0001964771

**FILING VALUES:**
- **FORM TYPE:** 3
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-13221
- **FILM NUMBER:** 23588869

**MAIL ADDRESS:**
- **STREET 1:** 111 WEST HOUSTON STREET
- **STREET 2:** SUITE 100
- **CITY:** SAN ANTONIO
- **STATE:** TX
- **ZIP:** 78205
**ISSUER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** CULLEN/FROST BANKERS, INC.
- **CENTRAL INDEX KEY:** 0000039263
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **IRS NUMBER:** 741751768
- **STATE OF INCORPORATION:** TX
- **FISCAL YEAR END:** 1231

**BUSINESS ADDRESS:**
- **STREET 1:** 111 W HOUSTON ST
- **CITY:** SAN ANTONIO
- **STATE:** TX
- **ZIP:** 78205
- **BUSINESS PHONE:** 210-220-4011

**MAIL ADDRESS:**
- **STREET 1:** POST OFFICE BOX 1600
- **CITY:** SAN ANTONIO
- **STATE:** TX
- **ZIP:** 78296-1600

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** CULLEN FROST BANKERS INC
- **DATE OF NAME CHANGE:** 19920703

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** FROST BANK CORP
- **DATE OF NAME CHANGE:** 19770823

## Ex-24

```

POWER OF ATTORNEY

Know all by these presents, that the undersigned hereby makes, constitutes and
appoints each of Coolidge E. Rhodes, Jr., Lee Whitley and Susan Murr as the
undersigned s true and lawful attorney in-fact, with power to act without the
others and with full power and authority as hereinafter described on behalf of
and in the name, place and stead of the undersigned to:

(1) prepare, execute, acknowledge, deliver and file Forms 3, 4 and 5 (including
any amendments thereto and successor Forms) and Forms 144 (including any
amendments thereto and successor Forms) with respect to the securities of
Cullen/Frost Bankers, Inc., a Texas corporation (the Company), with the United
States Securities and Exchange Commission, any national securities exchanges and
any other governmental entity or trading system deemed necessary or advisable by
such attorney-in-fact under Section 16(a) of the Securities Exchange Act of 1934
and the rules and regulations promulgated thereunder, as amended from time to
time (the Exchange Act), and under Rule 144 of the Securities Act of 1933 and
the rules and regulations promulgated thereunder, as amended from time to time
(the Securities Act);

(2) seek or obtain, as the undersigned s representative and on the undersigned s
behalf, information on transactions in the Company s securities from any third
party, including brokers, employee benefit plan administrators and trustees, and
the undersigned hereby authorizes any such person to release any such
information to such attorney in fact and approves and ratifies any such release
of information; and

(3) perform any and all other acts which in the discretion of such
attorney-in-fact are necessary or desirable for and on behalf of the undersigned
in connection with the foregoing.

The undersigned acknowledges that:

(1) this Power of Attorney authorizes, but does not require, such
attorney-in-fact to act in their discretion on information provided to such
attorney-in-fact without independent verification of such information;

(2) any documents prepared and/or executed by such attorney-in-fact on behalf of
the undersigned pursuant to this Power of Attorney will be in such form and will
contain such information and disclosure as such attorney-in-fact, in his or her
discretion, deems necessary or desirable;

(3) neither the Company nor such attorney-in-fact assumes (i) any liability for
the undersigned s responsibility to comply with the requirements of the Exchange
Act or Securities Act, (ii) any liability of the undersigned for any failure to
comply with such requirements or (iii) any obligation or liability of the
undersigned for profit disgorgement under Section 16(b) of the Exchange Act; and

(4) this Power of Attorney does not relieve the undersigned from responsibility
for compliance with the undersigned s obligations under the Exchange Act,
including without limitation the reporting requirements under Section 16 of the
Exchange Act, or the Securities Act, including without limitation the
requirements of Rule 144.

The undersigned hereby gives and grants to each such attorney-in-fact severally
full power and authority to do and perform, in the name and on behalf of the
undersigned, and in any and all capacities, every act and thing whatsoever
requisite, necessary or appropriate to be done in and about the foregoing
matters, as fully and to all intents and purposes as the undersigned might or
could do in person, with full power of substitution and resubstitution, hereby
ratifying and approving all that such attorney-in-fact, or such attorney-in-fact
s substitute or substitutes, shall lawfully do or cause to be done by virtue of
this Power of Attorney and the rights and powers herein granted.

This Power of Attorney shall remain in full force and effect until either
revoked by the undersigned in a signed writing delivered to such
attorneys-in-fact or until such time as the undersigned is no longer required to
file Forms 3, 4 and 5 and Forms 144 with respect to the undersigned s holdings
of and transactions in securities issued by the Company.

IN WITNESS WHEREOF, the undersigned has caused this Power of Attorney to be
executed on this 25th day of January, 2023.

Signature

John H. Willome

STATE OF TEXAS
COUNTY OF BEXAR

On this 25th day of January, 2023, John H. Willome personally appeared before
me, and acknowledged that he executed the foregoing instrument for the purposes
therein contained.

IN WITNESS WHEREOF, I have hereunto set my hand and official seal.

Cathy Sumiyoshi
Notary Public
My Commission Expires 11/19/2026

```

### UNITED STATES SECURITIES AND EXCHANGE COMMISSION
**Washington, D.C. 20549**

## FORM 3

### INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

[ ] Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

---

| | | |
|:---|:---|:---|
| **1. Name and Address of Reporting Person**<sup>*</sup><br>John Howard Willome<br><sub>(Last) (First) (Middle)</sub><br>111 WEST HOUSTON STREET<br>SUITE 100<br><sub>(Street)</sub><br>SAN ANTONIO, TX 78205<br><sub>(City) (State) (Zip)</sub> | **3. Issuer Name and Ticker or Trading Symbol**<br>CULLEN/FROST BANKERS, INC. [ CFR ] | **5. If Amendment, Date of Original Filed (Month/Day/Year)**<br>  |
| **2. Date of Event Requiring Statement (Month/Day/Year)**<br>2023-01-25 | **4. Relationship of Reporting Person(s) to Issuer**<br>(Check all applicable)<br>[X] Director   [ ] 10% Owner<br>[ ] Officer (give title below)   [ ] Other (specify below)<br>_ _ | **6. Individual or Joint/Group Filing (Check Applicable Line)**<br>[X] Form filed by One Reporting Person<br>[ ] Form filed by More than One Reporting Person |

---

## Table I - Non-Derivative Securities Beneficially Owned

---

|  |  |  |  |
| --- | --- | --- | --- |
| 1. Title of Security | 2. Amount of Securities Beneficially Owned | 3. Ownership Form | 4. Nature of Indirect Beneficial Ownership |
| Common Stock, $0.01 par value | 5000 | I | Through Trust<sup>(1)</sup> |

---

## Table II - Derivative Securities Beneficially Owned

---

|  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 1. Title of Derivative Security | 2. Date Exercisable and Expiration Date (Month/Day/Year) | 2. Date Exercisable and Expiration Date (Month/Day/Year) | 3. Title and Amount of Underlying Securities | 3. Title and Amount of Underlying Securities | 4. Conversion or Exercise Price | 5. Ownership Form | 6. Nature of Indirect Beneficial Ownership |
| 1. Title of Derivative Security | Date Exercisable | Expiration Date | Title | Amount or Number of Shares | 4. Conversion or Exercise Price | 5. Ownership Form | 6. Nature of Indirect Beneficial Ownership |
|  |  |  |  |  |  |  |  |

---

### Footnotes:

(1) Reflects shares of Common Stock held by a trust of which Mr. Willome and his wife are co-trustees and beneficiaries.

**Signature:** /s/ John H. Willome by Susan Murr under POA  
**Date:** 2023-02-06

### Remarks:

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.

* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).

** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).

Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.

**Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.**