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Prosperity Bancshares (PB) investor relations material
Prosperity Bancshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Net income for Q3 2025 was $137.6 million, with diluted EPS of $1.45, up 8.2% year-over-year.
Board approved a dividend increase to $0.60 per share for Q4 2025, marking the 22nd consecutive annual increase.
Signed definitive merger agreements with Southwest Bancshares and American Bank Holding Corporation, expanding presence in Texas and South Texas.
Total assets reached $38.33 billion, loans $22.03 billion, and deposits $27.8 billion as of September 30, 2025.
Focus remains on shareholder value through dividends, stock repurchases, and strategic M&A.
Financial highlights
Net interest margin for Q3 2025 was 3.24%, up from 2.95% a year ago.
Net interest income for Q3 2025 was $273.4 million, up $11.7 million year-over-year.
Deposits grew by $308.7 million in Q3 2025, a 4.5% annualized increase, totaling $27.8 billion.
Noninterest income was $41.2 million; noninterest expense was $138.6 million.
Total securities portfolio stood at $10.2 billion with a yield of 2.19%.
Outlook and guidance
Net interest margin expected to continue improving over the next 12–36 months, even with rate changes.
Non-interest expense for Q4 2025 guided to $141–$143 million.
Fee income guidance remains $38–$40 million for Q4 2025.
Loan growth expected to be flat in Q4 2025, with low single-digit growth targeted for 2026, aided by acquisitions.
Management expects continued growth in Texas and Oklahoma, supported by strong local economies and population growth.
Expected share dilution from pending mergers?
Why no credit loss provision despite NPL/NCO rise?
Future NIM outlook given loan and deposit trends?
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Next Prosperity Bancshares earnings date
Q4 202528 Jan, 2026
Next Prosperity Bancshares earnings date
Q4 202528 Jan, 2026
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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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