Frost Bank Executive and Leadership Team

Daniel Geddes, the Chief Financial Officer, Cullen/Frost Bankers, Inc. at Frost Bank, directs all fiscal planning and capital allocation strategies. Overseeing the balance sheet and liquidity management, the Chief Financial Officer ensures the institution maintains strong capital ratios while supporting commercial lending activities. This leadership role involves rigorous oversight of financial reporting and investor relations to maintain market confidence. By optimizing the capital structure, Daniel Geddes directly impacts the long-term profitability of the organization. Furthermore, the Chief Financial Officer coordinates with the Board to evaluate investment opportunities and risk management frameworks. Through precise financial analysis, Geddes secures the fiscal health necessary to support the bank's extensive portfolio of consumer and commercial services across the Texas market. This strategic focus on financial discipline enables the bank to navigate complex economic cycles while providing consistent value to shareholders and clients alike.

Don Frost, the President (San Antonio) at Frost Bank, directs regional commercial banking operations and client relationship management. Overseeing the delivery of treasury management and industrial financing, the President (San Antonio) ensures that local corporate clients receive tailored financial solutions. This leadership role involves expanding the bank's footprint in the regional market through strategic networking and community engagement. By fostering strong relationships with local business leaders, Don Frost directly impacts the growth of the commercial loan portfolio. Furthermore, the President (San Antonio) collaborates with internal teams to provide comprehensive trust and brokerage services to individual clients. Through consistent focus on regional market penetration, Frost drives the expansion of the bank's service offerings. This leadership position remains essential for maintaining the bank's competitive edge in the San Antonio area while upholding the institution's reputation for reliability and personalized financial support for all regional stakeholders.

John Schawe, the Market President at Frost Bank, architects regional growth strategies and oversees consumer banking service delivery. Overseeing the implementation of retail banking programs and mortgage lending, the Market President ensures that local branches meet the diverse financial needs of the community. This leadership role involves managing local market performance and ensuring alignment with the bank's broader commercial objectives. By optimizing branch operations and service quality, John Schawe directly impacts customer satisfaction and retention rates. Furthermore, the Market President coordinates with regional teams to deploy specialized financial products, including home equity loans and savings programs. Through active participation in local economic development, Schawe strengthens the bank's presence in the market. This leadership function remains critical for delivering consistent, high-quality banking experiences that support the financial well-being of individuals and small businesses within the assigned territory, ensuring the bank remains a trusted partner for all local clients.

Mark Spriggs, the Group President at Frost Bank, directs large-scale commercial banking initiatives and oversees multi-sector lending portfolios. Overseeing the strategic direction of complex industrial and commercial property financing, the Group President ensures that the bank maintains a robust and diversified asset base. This leadership role involves managing relationships with major corporate clients and coordinating with the capital markets team to provide underwriting and advisory services. By driving the expansion of treasury management and international banking capabilities, Mark Spriggs directly impacts the bank's revenue growth and market share. Furthermore, the Group President collaborates with other senior leaders to refine the bank's risk management and credit policies. Through strategic oversight of these critical business functions, Spriggs supports the bank's mission to provide comprehensive financial solutions to the energy, manufacturing, and service industries. This role remains essential for maintaining the bank's leadership position in the competitive Texas financial landscape.

Paul Bracher, the President at Frost Bank, directs the overall strategic vision and operational execution of the bank's diverse service offerings. Overseeing the integration of commercial and consumer banking functions, the President ensures that the institution delivers consistent value across all market segments. This leadership role involves guiding the executive team in the development of new financial products and the expansion of digital banking capabilities. By fostering a culture of service excellence, Paul Bracher directly impacts the bank's reputation and long-term growth trajectory. Furthermore, the President coordinates with the Board to ensure regulatory compliance and sound governance practices. Through strategic oversight of the bank's extensive portfolio, Bracher drives the organization's commitment to supporting the Texas economy. This leadership position remains vital for maintaining the bank's competitive advantage and ensuring that all business units operate in alignment with the core mission of providing reliable, customer-focused financial services.

Nancy Clarkson, the Market President at Frost Bank, directs regional business development and oversees the delivery of specialized trust and investment services. Overseeing the expansion of the bank's client base, the Market President ensures that high-net-worth individuals and corporate clients receive customized financial planning and custodial solutions. This leadership role involves managing local market operations and ensuring that service delivery aligns with the bank's high standards for quality and integrity. By cultivating strategic partnerships within the community, Nancy Clarkson directly impacts the growth of the bank's wealth management division. Furthermore, the Market President collaborates with internal specialists to provide comprehensive brokerage and advisory services. Through active engagement in regional market activities, Clarkson strengthens the bank's position as a premier provider of financial services. This leadership function remains essential for delivering personalized, expert guidance that helps clients achieve their long-term financial goals while supporting the bank's overall growth objectives.

Lindsay Smith, the Market President at Frost Bank, directs regional consumer banking operations and oversees the implementation of retail financial strategies. Overseeing the performance of local branches, the Market President ensures that customers have access to a full suite of banking products, including checking accounts, installment loans, and safe deposit facilities. This leadership role involves managing local staff and ensuring that service delivery meets the bank's commitment to customer satisfaction. By optimizing branch efficiency and service quality, Lindsay Smith directly impacts the bank's retail market presence. Furthermore, the Market President coordinates with regional leadership to deploy new banking technologies and service enhancements. Through consistent focus on community needs, Smith drives the growth of the bank's consumer deposit base. This leadership function remains critical for maintaining the bank's reputation as a reliable and accessible financial partner for individuals and families throughout the region, ensuring high levels of service and operational excellence.

Roderick Washington, the Regional President (Dallas) at Frost Bank, directs commercial banking activities and market expansion efforts in the Dallas area. Overseeing the development of industrial and commercial property financing, the Regional President (Dallas) ensures that local businesses receive the capital and treasury management services necessary for growth. This leadership role involves building strong relationships with corporate clients and navigating the competitive landscape of the Dallas market. By driving the acquisition of new commercial accounts, Roderick Washington directly impacts the bank's regional revenue and market share. Furthermore, the Regional President (Dallas) collaborates with the broader leadership team to align regional strategies with the bank's overall objectives. Through strategic oversight of local operations, Washington strengthens the bank's presence in the region. This leadership position remains essential for delivering high-quality financial solutions that support the diverse needs of the Dallas business community and the bank's long-term growth.

Bruce Burdett, the Region President at Frost Bank, directs regional operations and oversees the delivery of comprehensive banking services to a diverse client base. Overseeing the integration of commercial and consumer banking initiatives, the Region President ensures that local branches and business units operate efficiently and effectively. This leadership role involves managing regional performance and ensuring that all services align with the bank's commitment to quality and customer service. By fostering strong relationships with local stakeholders, Bruce Burdett directly impacts the bank's regional growth and market penetration. Furthermore, the Region President coordinates with internal teams to provide specialized financial products, including equipment financing and international banking services. Through strategic oversight of regional activities, Burdett strengthens the bank's reputation as a trusted financial partner. This leadership function remains critical for delivering consistent, high-quality banking experiences that support the financial well-being of the community and the bank's overall strategic goals.

Colette Garrido, the Senior Vice President, Chief Of Staff at Frost Bank, manages executive operations and cross-functional alignment. Overseeing internal communications and strategic initiatives, the Senior Vice President, Chief Of Staff ensures that organizational goals remain synchronized across all departments. This leadership role involves facilitating decision-making processes for the executive team and streamlining administrative workflows to enhance operational efficiency. By coordinating high-level projects, Colette Garrido directly impacts the execution of the bank's mission to provide superior customer service. Furthermore, the Senior Vice President, Chief Of Staff acts as a primary liaison between the leadership team and various business units to resolve complex operational challenges. Through meticulous planning and organizational oversight, Garrido supports the bank's commitment to excellence in commercial and consumer banking. This role remains vital for maintaining the cohesive culture and operational agility required to serve the diverse needs of the Texas business community.