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  <xs:element id="cfr_NonFinancialAssetsOrNonFinancialLiabilities" abstract="false" name="NonFinancialAssetsOrNonFinancialLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cfr_Financialinstrumentsusingfairvaluemeasurementoption" abstract="false" name="Financialinstrumentsusingfairvaluemeasurementoption" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cfr_InterestRateSwapsCapsAndFloorsMember" abstract="true" name="InterestRateSwapsCapsAndFloorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cfr_FinancingReceivableExcludingAccruedInterestImpairedRecordedInvestment" abstract="false" name="FinancingReceivableExcludingAccruedInterestImpairedRecordedInvestment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cfr_FinancingReceivableExcludingAccruedInterestImpairedRelatedAllowance" abstract="false" name="FinancingReceivableExcludingAccruedInterestImpairedRelatedAllowance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cfr_FinancingReceivableExcludingAccruedInterestImpairedFairValue" abstract="false" name="FinancingReceivableExcludingAccruedInterestImpairedFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cfr_ForeclosedAssetsRemeasuredAtInitialRecognitionCarryingValueOfForeclosedAssetsPriorToRemeasurement" abstract="false" name="ForeclosedAssetsRemeasuredAtInitialRecognitionCarryingValueOfForeclosedAssetsPriorToRemeasurement" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cfr_ForeclosedAssetsRemeasuredAtInitialRecognitionWriteDownsIncludedInOtherNonInterestExpense" abstract="false" name="ForeclosedAssetsRemeasuredAtInitialRecognitionWriteDownsIncludedInOtherNonInterestExpense" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cfr_FairValueOfForeclosedAssetsRemeasuredAtInitialRecognition" abstract="false" name="FairValueOfForeclosedAssetsRemeasuredAtInitialRecognition" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
