Prosperity Bancshares, Inc.
prosperitybankusa.comWhat Do They Do?
Provides traditional loan and deposit products, digital banking, and wealth services to consumers and businesses in Texas and Oklahoma.
10-K for FY2025, filed Feb 26, 2026
How Do They Make Money?
Earns interest on loans and investments and pays interest to depositors and lenders; the difference between those amounts is its net interest income.
10-K for FY2025, filed Feb 26, 2026The majority of the Company’s assets are monetary in nature, and, as a result, the Company is subject to significant risk from changes in…View ↗
$1.6B
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10-K for FY2025, filed Feb 26, 2026
$1.6B ↗
Who Are Their Customers?
Serves individual consumers and businesses throughout Texas and Oklahoma through its banking centers, with digital banking also among its services.
10-K for FY2025, filed Feb 26, 2026Prosperity Bancshares, Inc.®, a Texas corporation (the “Company”), was formed in 1983 as a vehicle to acquire the former Allied Bank in…View ↗
The Company, through the Bank, offers a variety of traditional loan and deposit products to its customers, which consist primarily of…View ↗
The Company has been an active real estate lender, with commercial real estate (including farmland and multi-family residential); 1-4…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 35 cents of every revenue dollar as net income in FY2025 and turned 33 cents into free cash flow.
How Are They Changing?
- Net income
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Sources
10-Q for Q2 FY2026, filed Aug 6, 2026
$168.6MView ↗
- ▲ +25%
- vs $135.2M in Q2 FY2025
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Jul 1, 2026
Completed the merger with Stellar Bancorp
Stellar Bank's 52 offices joined Prosperity; they will continue under the Stellar Bank name until operational integration, scheduled for March 2027.
Sources
8-K, filed Jul 1, 2026
Stellar operates fifty-two (52) banking offices including its main office in Houston and banking offices in the Houston, Beaumont and East…View ↗
Growing. Revenue grew 50% in 4 years, from $1B in FY2021 to $1.6B in FY2025, about 11% a year.
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