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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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Prosperity Bancshares (PB) investor relations material
Prosperity Bancshares Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary23 Jul, 2025
Executive summary
Q2 2025 net income was $135.2M, up 21.1% year-over-year; EPS rose to $1.42 from $1.17.
Announced a definitive agreement to acquire American Bank Holding Corporation for $321.5M in stock, expanding presence in South and Central Texas.
Total assets were $38.4B at June 30, 2025; loans $22.2B; deposits $27.5B.
Maintains strong presence in Texas and Oklahoma, ranked #2 in Texas deposit market share.
Focus remains on organic growth, M&A, and maintaining strong asset quality and efficiency.
Financial highlights
Net interest income before provision for credit losses was $267.7M, up 3.5% year-over-year; net interest margin rose to 3.18%.
Noninterest income was $43M, down 6.6% year-over-year, mainly due to lower securities gains.
Noninterest expense decreased to $138.6M, down 9.3% year-over-year.
Efficiency ratio improved to 44.8% from 51.8% year-over-year.
Declared a $0.58 cash dividend for Q3 2025.
Outlook and guidance
Management expects continued net interest margin expansion, with projections of 3.35% in six months and 3.48% in twelve months if rates remain unchanged.
The American Bank merger is expected to close in Q4 2025 or Q1 2026, subject to regulatory and shareholder approvals.
Fee income run rate updated to $38M–$40M per quarter due to strong service and debit card fees.
Anticipate low single-digit loan and core deposit growth for the remainder of the year.
Texas and Oklahoma economies expected to drive ongoing growth, supported by population and job gains.
How will American Bank merger impact South Texas?
Why did deposits decrease from Q1 to Q2 2025?
What drove the increase in net interest margin?
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Next Prosperity Bancshares earnings date
Q3 202529 Oct, 2025
Next Prosperity Bancshares earnings date
Q3 202529 Oct, 2025
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Frequently asked questions
Prosperity Bancshares Inc. is a bank holding company that offers personal and business banking services. Its offerings include loans, deposits, mortgage products, and online banking services through its network of community banking centers. The company is headquartered in Houston, Texas, and its shares are listed on the NYSE.
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