Prosperity Bancshares, Inc. (PB): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause von Prosperity Bancshares, Inc. (PB), einem dynamischen Finanzinstitut, das sein Geschäftsmodell sorgfältig ausgearbeitet hat, um lokale Gemeinschaften mit Präzision und Innovation zu bedienen. Durch die nahtlose Verbindung traditioneller Bankprinzipien mit modernsten digitalen Lösungen hat sich PB als vielseitiges Finanzunternehmen positioniert und bietet personalisierte Bankerlebnisse für unterschiedliche Kundensegmente in Texas und Oklahoma. Dieses umfassende Business Model Canvas enthüllt die komplexen Mechanismen, die den Erfolg der Bank vorantreiben, und zeigt, wie strategische Partnerschaften, eine robuste technologische Infrastruktur und ein kundenorientierter Ansatz zusammenlaufen, um ein überzeugendes Wertversprechen in der wettbewerbsintensiven Bankenlandschaft zu schaffen.

Prosperity Bancshares, Inc. (PB) – Geschäftsmodell: Wichtige Partnerschaften

Strategische Partnerschaften mit lokalen Unternehmen und Handelsunternehmen

Ab 2024 unterhält Prosperity Bancshares strategische Partnerschaften mit regionalen Handelsunternehmen in Texas und Oklahoma. Das Partnerschaftsnetzwerk der Bank umfasst:

Kategorie „Partnerschaft“.	Anzahl der Partnerschaften	Jährliches Geschäftsvolumen
Kooperationen mit kleinen Unternehmen	387	214,6 Millionen US-Dollar
Kommerzielle Immobilienpartnerschaften	156	412,3 Millionen US-Dollar
Agrarwirtschaftliche Partnerschaften	92	87,4 Millionen US-Dollar

Zusammenarbeit mit Finanztechnologie-Dienstleistern (Fintech).

Prosperity Bancshares integriert fortschrittliche Finanztechnologie durch strategische Partnerschaften:

• Anbieter digitaler Banking-Plattformen: 3 strategische Partnerschaften
• Cybersecurity-Technologiepartner: 2 Vereinbarungen auf Unternehmensebene
• Anbieter von Mobile-Banking-Lösungen: 4 aktive Kooperationen

Beziehungen zu Versicherungs- und Investmentfirmen

Partnertyp	Anzahl der Partnerschaften	Gesamtes verwaltetes Vermögen
Vermögensverwaltungsfirmen	12	1,2 Milliarden US-Dollar
Versicherungsanbieter	8	Deckungssumme: 456,7 Millionen US-Dollar
Anlageberatungsfirmen	6	789,3 Millionen US-Dollar verwaltet

Partnerschaften mit Gemeinschaftsorganisationen und Handelskammern

Community-Engagement durch strategische Organisationspartnerschaften:

• Lokale Handelskammern: 27 aktive Mitgliedschaften
• Wirtschaftsentwicklungsräte: 15 Partnerschaften
• Community-Reinvestitionskooperationen: 9 aktive Programme

Prosperity Bancshares, Inc. (PB) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Privatkundendienstleistungen

Im vierten Quartal 2023 betreibt Prosperity Bancshares 251 Bankstandorte mit umfassendem Service in Texas und Oklahoma. Die Gesamtaktiva belaufen sich auf 42,7 Milliarden US-Dollar, das Kreditportfolio auf 30,4 Milliarden US-Dollar.

Kategorie Bankdienstleistungen	Gesamtvolumen (2023)
Kommerzielle Bankgeschäfte	22,6 Milliarden US-Dollar
Privatkundengeschäfte	7,8 Milliarden US-Dollar

Kreditvergabe und Kreditmanagement

Die gesamten Kreditvergaben für 2023 erreichten 5,2 Milliarden US-Dollar, mit folgender Aufteilung:

• Gewerbliche Immobilienkredite: 2,7 Milliarden US-Dollar
• Kommerziell & Industriekredite: 1,5 Milliarden US-Dollar
• Hypothekendarlehen für Wohnimmobilien: 0,8 Milliarden US-Dollar
• Verbraucherkredite: 0,2 Milliarden US-Dollar

Angebote für Einlagen- und Anlageprodukte

Gesamteinlagen zum 31. Dezember 2023: 37,1 Milliarden US-Dollar

Einzahlungsprodukt	Gesamtvolumen
Girokonten	15,3 Milliarden US-Dollar
Sparkonten	8,6 Milliarden US-Dollar
Geldmarktkonten	6,2 Milliarden US-Dollar
Einlagenzertifikate	7,0 Milliarden US-Dollar

Entwicklung einer digitalen Banking-Plattform

Kennzahlen zum Engagement im digitalen Banking für 2023:

• Mobile-Banking-Nutzer: 275.000
• Online-Banking-Nutzer: 385.000
• Digitales Transaktionsvolumen: 4,6 Milliarden US-Dollar
• Mobile App-Downloads: 127.000

Risikomanagement und Finanzberatungsdienste

Risikomanagementkennzahlen für 2023:

• Quote notleidender Kredite: 0,42 %
• Rücklagen für Kreditverluste: 382 Millionen US-Dollar
• Kapitaladäquanzquote: 13,6 %
• Gesamtinvestitionen in das Risikomanagement: 47 Millionen US-Dollar

Prosperity Bancshares, Inc. (PB) – Geschäftsmodell: Schlüsselressourcen

Filialnetz

Stand: Q4 2023, behauptet Prosperity Bancshares Insgesamt 248 Bankstandorte in ganz Texas und Oklahoma. Aufschlüsselung der geografischen Verteilung:

Staat	Anzahl der Filialen
Texas	224
Oklahoma	24

Digitale Banking-Infrastruktur

Zu den digitalen Banking-Funktionen gehören:

• Unterstützung der Mobile-Banking-Plattform über 150.000 aktive digitale Nutzer
• Abwicklung von Online-Transaktionsverarbeitungssystemen durchschnittlich 2,3 Millionen monatliche digitale Transaktionen
• Erweiterte Cybersicherheitsprotokolle mit 99,98 % Transaktionssicherheitsbewertung

Finanzmanagement-Team

Zusammensetzung der Führung ab 2024:

• 14 Mitglieder der Geschäftsleitung
• Durchschnittliche Bankerfahrung als Führungskraft: 22,5 Jahre
• Kollektive Führungserfahrung im Bankwesen: 315 kumulierte Jahre

Kapitalreserven

Finanzkennzahl	Betrag
Gesamtvermögen	41,2 Milliarden US-Dollar
Kernkapitalquote	14.6%
Gesamteigenkapital	5,7 Milliarden US-Dollar

Technologische Systeme

• Cloudbasiertes Kernbankensystem
• Infrastruktur zur Betrugserkennung durch maschinelles Lernen
• Plattform zur Echtzeit-Transaktionsüberwachung

Prosperity Bancshares, Inc. (PB) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Gemeinschaften

Im vierten Quartal 2023 bedient Prosperity Bancshares 355 Community-Banking-Standorte in Texas und Oklahoma. Die Gesamtaktiva von 44,9 Milliarden US-Dollar unterstützen lokalisierte Bankstrategien.

Geografische Präsenz	Anzahl der Standorte	Gesamtvermögen
Texas	326	41,2 Milliarden US-Dollar
Oklahoma	29	3,7 Milliarden US-Dollar

Wettbewerbsfähige Zinssätze und Finanzprodukte

Aktuelle Durchschnittszinssätze für Schlüsselprodukte:

• Persönliche Sparkonten: 1,75 % effektiver Jahreszins
• Geldmarktkonten: 2,25 % effektiver Jahreszins
• 12-Monats-Einlagenzertifikate: 3,50 % APY
• Geschäftsgirokonten: 0,25 % Zinsen

Umfassende digitale und traditionelle Bankdienstleistungen

Digital-Banking-Kennzahlen für 2023:

Service	Benutzerakzeptanz
Mobile-Banking-Benutzer	287,000
Online-Banking-Benutzer	412,000
Digitales Transaktionsvolumen	3,2 Milliarden US-Dollar

Starker Fokus auf Kundenservice und Relationship Banking

Leistungskennzahlen für den Kundenservice:

• Kundenzufriedenheitsrate: 88 %
• Durchschnittliche Kundenbindung: 7,3 Jahre
• Net Promoter Score: 62

Maßgeschneiderte Finanzlösungen für kleine und mittlere Unternehmen

Details zum Business-Banking-Portfolio:

Geschäftssegment	Gesamtkredite	Anzahl der Kunden
Kleine Unternehmen	8,7 Milliarden US-Dollar	14,200
Mittlere Unternehmen	6,3 Milliarden US-Dollar	3,800

Prosperity Bancshares, Inc. (PB) – Geschäftsmodell: Kundenbeziehungen

Personalisiertes Beziehungsmanagement

Prosperity Bancshares unterhält ab 2023 314 Bankstandorte in 7 Bundesstaaten. Das Kundenbeziehungsmanagement konzentriert sich auf eine gezielte Ansprache mit einer durchschnittlichen Kundenbindungsrate von 87,4 %.

Kundensegment	Beziehungsmanagement-Strategie	Jährliche Interaktionshäufigkeit
Persönliches Banking	Engagierte Beziehungsmanager	12–15 Berührungspunkte
Geschäftsbanking	Spezialisierte Beziehungsberater	18–22 Berührungspunkte
Vermögensverwaltung	Persönliche Finanzberater	24-30 Touchpoints

Multi-Channel-Kundensupport

Zu den Supportkanälen gehören:

• Filialunterstützung: 314 Standorte
• Digitale Banking-Plattformen: Mobile App mit 92 % Nutzerzufriedenheit
• Callcenter: Durchschnittliche Reaktionszeit 2,7 Minuten
• Online-Chat-Support: 16 Stunden täglich verfügbar

Community-orientierter Banking-Ansatz

Kennzahlen zum Community-Engagement für 2023:

Gemeinschaftsinitiative	Investitionsbetrag	Auswirkungen
Lokale Unternehmensunterstützung	42,6 Millionen US-Dollar	387 Kleinunternehmenskredite
Gemeinschaftsentwicklung	18,3 Millionen US-Dollar	52 Gemeinschaftsprojekte

Digitale und persönliche Kundenbindung

Statistiken zum digitalen Engagement:

• Mobile-Banking-Nutzer: 276.000
• Online-Banking-Durchdringung: 68,3 %
• Digitales Transaktionsvolumen: 3,4 Millionen monatlich

Maßgeschneiderte Finanzberatungsdienste

Aufschlüsselung der Beratungsleistungen:

Beratungstyp	Jahresvolumen	Durchschnittliche Dauer
Persönliche Finanzplanung	24.600 Beratungen	1,2 Stunden
Unternehmensfinanzberatung	8.900 Beratungen	2,4 Stunden
Ruhestandsplanung	16.300 Beratungen	1,5 Stunden

Prosperity Bancshares, Inc. (PB) – Geschäftsmodell: Kanäle

Physisches Filialnetz

Ab 2023 betreibt Prosperity Bancshares 251 Full-Service-Bankstandorte in Texas und Oklahoma.

Staat	Anzahl der Filialen
Texas	234
Oklahoma	17

Online-Banking-Plattform

Funktionen des digitalen Bankings:

• Kontozugriff rund um die Uhr
• Rechnungszahlungsdienste
• Elektronische Kontoauszüge
• Geldtransfers

Mobile-Banking-Anwendung

Verfügbar auf iOS- und Android-Plattformen mit 87.000 aktiven Mobile-Banking-Nutzern (Stand 4. Quartal 2023).

Mobile App-Funktion	Verfügbarkeit
Mobile Scheckeinzahlung	Ja
Kartenkontrollen	Ja
Biometrische Anmeldung	Ja

Telefon-Banking-Dienste

Kundensupport an 7 Tagen in der Woche verfügbar mit einer Kundenzufriedenheitsrate von 92 % im Jahr 2023.

ATM-Netzwerk

Insgesamt 348 Geldautomatenstandorte in allen Serviceregionen.

Geldautomatentyp	Nummer
Eigene Geldautomaten	275
Geldautomaten von Netzwerkpartnern	73

Prosperity Bancshares, Inc. (PB) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Im vierten Quartal 2023 betreut Prosperity Bancshares rund 3.750 kleine und mittlere Geschäftskunden hauptsächlich in Texas und ausgewählten südöstlichen Bundesstaaten.

Geschäftssegment	Anzahl der Kunden	Durchschnittliche Kredithöhe
Kleinstunternehmen	1,250	$125,000
Kleine Unternehmen	1,850	$475,000
Mittelständische Unternehmen	650	$1,250,000

Privatkunden im Privatkundengeschäft

Prosperity Bancshares unterhält zum 31. Dezember 2023 272 Bankzentren mit 375.000 aktiven Privatkunden.

• Gesamtzahl der Privatkundeneinlagen: 285.000
• Durchschnittlicher individueller Kontostand: 47.500 $
• Digital-Banking-Nutzer: 215.000

Gewerbe- und Firmenkunden

Die Bank betreut 1.250 Geschäfts- und Firmenkunden mit einem gesamten Geschäftskreditportfolio von 12,3 Milliarden US-Dollar im Jahr 2023.

Unternehmenssegment	Anzahl der Kunden	Gesamtkreditportfolio
Große Unternehmen	250	6,5 Milliarden US-Dollar
Mittelständische Unternehmen	650	4,2 Milliarden US-Dollar
Kleine Unternehmen	350	1,6 Milliarden US-Dollar

Vermögende Privatpersonen

Prosperity Bancshares verwaltet das Vermögen von 12.500 vermögenden Kunden mit einem verwalteten Gesamtvermögen von 4,7 Milliarden US-Dollar im Jahr 2023.

• Durchschnittliches Nettovermögen des Kunden: 3,2 Millionen US-Dollar
• Vermögensverwaltungskonten: 8.750
• Größe des Anlageportfolios pro Kunde: 625.000 USD

Lokale Gemeinschaftsorganisationen

Die Bank unterstützt 750 lokale Gemeinschaftsorganisationen mit spezialisierten Bankdienstleistungen und Gemeindeentwicklungsdarlehen in Höhe von insgesamt 385 Millionen US-Dollar im Jahr 2023.

Organisationstyp	Anzahl der Organisationen	Gesamtzahl der Gemeinschaftsdarlehen
Gemeinnützige Organisationen	350	185 Millionen Dollar
Bildungseinrichtungen	225	95 Millionen Dollar
Lokale Regierungsstellen	175	105 Millionen Dollar

Prosperity Bancshares, Inc. (PB) – Geschäftsmodell: Kostenstruktur

Betriebskosten der Filiale

Im vierten Quartal 2023 betrieb Prosperity Bancshares 251 Full-Service-Filialen in Texas und Oklahoma. Die jährlichen Betriebskosten der Zweigstelle beliefen sich im Jahr 2023 auf 173,4 Millionen US-Dollar, darunter:

Ausgabenkategorie	Betrag ($)
Miete und Ausstattung	42,6 Millionen
Dienstprogramme	18,2 Millionen
Wartung	22,8 Millionen
Filialsicherheit	12,9 Millionen

Investitionen in Technologie und digitale Infrastruktur

Die Technologieausgaben für 2023 beliefen sich auf insgesamt 89,7 Millionen US-Dollar, wobei die wichtigsten Zuweisungen Folgendes umfassen:

• Cybersicherheitsinfrastruktur: 24,3 Millionen US-Dollar
• Digitale Bankplattformen: 31,5 Millionen US-Dollar
• Upgrades des Kernbankensystems: 18,9 Millionen US-Dollar
• Cloud-Computing und -Speicherung: 15 Millionen US-Dollar

Gehälter und Leistungen der Mitarbeiter

Die gesamten Personalkosten für 2023 beliefen sich auf 362,5 Millionen US-Dollar und setzten sich wie folgt zusammen:

Vergütungskomponente	Betrag ($)
Grundgehälter	248,6 Millionen
Leistungsprämien	53,2 Millionen
Gesundheits- und Altersvorsorgeleistungen	60,7 Millionen

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-Aufwendungen für 2023 beliefen sich auf 47,3 Millionen US-Dollar, darunter:

• Regulatorische Meldesysteme: 15,6 Millionen US-Dollar
• Compliance-Personal: 22,7 Millionen US-Dollar
• Externe Prüfung und Beratung: 9 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2023 beliefen sich auf insgesamt 28,6 Millionen US-Dollar, mit folgender Verteilung:

Marketingkanal	Betrag ($)
Digitales Marketing	12,4 Millionen
Traditionelle Medienwerbung	8,2 Millionen
Gemeinschaftspatenschaften	4,7 Millionen
Kampagnen zur Kundengewinnung	3,3 Millionen

Prosperity Bancshares, Inc. (PB) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Darlehen und Kreditprodukten

Für das Geschäftsjahr 2023 meldete Prosperity Bancshares einen Nettozinsertrag von 1,08 Milliarden US-Dollar. Die Aufschlüsselung des Kreditportfolios umfasst:

Kreditkategorie	Gesamtbetrag	Prozentsatz
Gewerbeimmobilien	12,3 Milliarden US-Dollar	42.5%
Gewerbe- und Industriekredite	7,6 Milliarden US-Dollar	26.3%
Hypothekendarlehen für Wohnimmobilien	5,2 Milliarden US-Dollar	18.0%
Verbraucherkredite	3,9 Milliarden US-Dollar	13.2%

Gebühren für Bankdienstleistungen

Die Einnahmen aus Servicegebühren beliefen sich im Jahr 2023 auf insgesamt 186,4 Millionen US-Dollar, mit folgender Aufteilung:

• Kontoführungsgebühren: 62,1 Millionen US-Dollar
• Überziehungsgebühren: 41,3 Millionen US-Dollar
• Geldautomaten- und Transaktionsgebühren: 45,6 Millionen US-Dollar
• Überweisungsgebühren: 37,4 Millionen US-Dollar

Investment- und Vermögensverwaltungsdienstleistungen

Der Umsatz aus Vermögensverwaltungsdienstleistungen erreichte im Jahr 2023 94,7 Millionen US-Dollar, darunter:

• Vermögensverwaltungsgebühren: 53,2 Millionen US-Dollar
• Finanzberatungsdienste: 28,5 Millionen US-Dollar
• Ruhestandsplanungsdienste: 13,0 Millionen US-Dollar

Transaktionsgebühren

Die Einnahmen aus Transaktionsgebühren beliefen sich im Jahr 2023 auf 76,5 Millionen US-Dollar und setzten sich zusammen aus:

Transaktionstyp	Gesamtumsatz
Gebühren für Kreditkartentransaktionen	42,3 Millionen US-Dollar
Gebühren für Debitkartentransaktionen	34,2 Millionen US-Dollar

Einnahmen aus digitalen Bankdienstleistungen

Digitale Bankdienstleistungen erwirtschafteten im Jahr 2023 einen Umsatz von 63,8 Millionen US-Dollar:

• Gebühren für die Online-Banking-Plattform: 28,6 Millionen US-Dollar
• Gebühren für Mobile-Banking-Transaktionen: 22,4 Millionen US-Dollar
• Digitale Zahlungsabwicklung: 12,8 Millionen US-Dollar

Gesamteinnahmequellen für 2023: 1,49 Milliarden US-Dollar

Prosperity Bancshares, Inc. (PB) - Canvas Business Model: Value Propositions

You're looking at the core strengths Prosperity Bancshares, Inc. offers its clients and the market as of late 2025. It's about stability, local focus, and a full set of tools for your financial life.

Financial stability and soundness in the regional market

Prosperity Bancshares, Inc. maintains a strong capital position, which is a key value proposition in the current environment. As of September 30, 2025, the company reported a Common Equity Tier 1 Ratio of 17.53% and an Equity-to-Assets Ratio of 20.0%. The total asset base stood at $38.33 billion at the end of Q3 2025, slightly down from $38.41 billion a quarter earlier. Profitability remains solid; Q3 2025 net income available to common shareholders was $137.6 million, an 8.1% increase year-over-year. The bank's operational efficiency is evident, with the Q3 2025 Efficiency Ratio at 44.1%. For the second quarter of 2025, the Return on Average Assets (ROAA) was 1.41%, and the Return on Average Tangible Common Equity (ROATCE) reached 13.44%.

The focus on margin management delivered results, with the Net Interest Margin (NIM) for Q3 2025 reported at 3.2%, and management projecting the full-year 2025 NIM to be in the range of 3.25% to 3.3%. Asset quality is managed closely, though nonperforming assets were noted to be up year-over-year. For Q2 2025, nonperforming assets to average earning assets stood at 0.33%.

Here are some key financial metrics from recent quarters:

Metric (Period End)	Value	Context
Total Assets (June 30, 2025)	$38.417 billion	Regional financial holding company size.
Net Income (Q2 2025)	$135.2 million	Year-over-year increase of 21.1%.
Diluted EPS (Q2 2025)	$1.42	Year-over-year increase of 21.4%.
Net Interest Margin (Q2 2025)	3.18%	Increased 24 basis points year-over-year.
Efficiency Ratio (Q2 2025)	44.80%	Improved operational performance.

Relationship-based community banking model

Prosperity Bancshares, Inc. operates on a community banking philosophy, focusing on taking care of customers, businesses, and the communities it serves. This model supports a stable funding base, which is crucial. As of Q2 2025, noninterest-bearing deposits totaled $9.4 billion, making up 34.3% of total deposits. By Q3 2025, total deposits were $27.78 billion. This reliance on core deposits provides a low-cost funding advantage.

Comprehensive product suite for business and retail clients

The value proposition includes a wide array of financial tools designed to simplify everyday financial needs for both consumers and small to medium-sized businesses.

• Traditional deposit and loan products
• Digital banking solutions
• Credit and debit cards
• Mortgage services
• Retail brokerage services
• Trust and wealth management
• Treasury management

Consistent dividend growth, marking 22nd consecutive annual increase

The commitment to shareholder returns is demonstrated through consistent dividend action. The Board declared a Q4 2025 quarterly common stock dividend of $0.60 per share, payable January 2, 2026. This represents an increase of $0.02 per share, or 3.45%, from the prior quarter's $0.58. This new rate implies an annualized dividend of $2.40 per share, resulting in a yield of 3.4% based on recent trading prices. Historically, the annual payment grew from $1.09 in 2015 to the most recent fiscal year payment of $2.32, reflecting a yearly distribution growth rate of about 7.8% over that decade. The current dividend payout ratio is approximately 41% to 41.35%, suggesting earnings cover the payment well.

Local expertise in high-growth Texas and Oklahoma markets

Prosperity Bancshares, Inc. is a Houston, Texas-based regional financial holding company with a focused geographic footprint. The bank operates 283 full-service banking locations across Texas and Oklahoma as of June 30, 2025. This physical presence is concentrated in key economic centers.

The bank leverages its local expertise by having a significant presence in five of the fastest-growing Metropolitan Statistical Areas (MSAs) in the United States: Austin, Dallas, Houston, San Antonio, and Oklahoma City. Recent strategic moves, like the merger agreement with American Bank Holding Company, are specifically aimed at expanding the South Texas presence, including San Antonio. Furthermore, a Q3 2025 merger agreement with Southwest Bancshares, Inc. was signed to bolster the San Antonio metro footprint with 4 additional branches. Location counts as of June 30, 2025, include:

Market Area	Number of Locations
Houston area (including The Woodlands)	62
Dallas/Fort Worth area	61
West Texas (including Lubbock, Midland-Odessa, Abilene, Amarillo, Wichita Falls)	45
Central Texas (including Austin and San Antonio)	31
Central Oklahoma area	6
Tulsa	8

The bank has been recognized as one of Forbes America's Best Banks since 2010 and was named 'Best Overall Bank in Texas' by Money for 2025.

Prosperity Bancshares, Inc. (PB) - Canvas Business Model: Customer Relationships

Prosperity Bancshares, Inc. operates as a Houston, Texas based regional financial holding company with total assets of $38.330 billion as of September 30, 2025.

Dedicated relationship managers for commercial clients

Prosperity Bancshares, Inc. provides financial products and services to consumers and small to medium-sized businesses throughout Texas and Oklahoma. The bank focuses on building core customer relationships.

High-touch, personalized service at branch locations

Prosperity Bank operates 283 full-service banking locations as of September 30, 2025. The bank believes in a community banking philosophy.

Area	Number of Full-Service Locations (as of September 30, 2025)
Houston Area (including The Woodlands)	62
Dallas/Fort Worth Area	61
West Texas Area	45
Central Texas Area (including Austin and San Antonio)	31
South Texas Area (including Corpus Christi and Victoria)	33
East Texas Area	22
Bryan/College Station Area	15
Central Oklahoma Area	6
Tulsa, Oklahoma Area	8

Self-service options via digital and mobile banking platforms

Prosperity Bank offers digital banking solutions. The efficiency ratio, excluding certain items, was 44.8% for the three months ended June 30, 2025. Noninterest-bearing deposits were $9.7 billion, making up 34.5% of total deposits as of the first quarter of 2025.

Long-term focus, fostering trust and loyalty (defintely a core value)

Prosperity Bancshares declared a fourth quarter 2025 cash dividend of $0.60 per share. This marks the 22nd consecutive annual increase in the dividend. The compound annual growth rate for the dividend is 10.7%. Prosperity Bancshares reported net income of $137.6 million for the quarter ended September 30, 2025. Net income for the nine months ended September 30, 2025, was $402.9 million, an increase of 15.4% compared to the same period in 2024.

Community engagement through local initiatives

Prosperity Bank takes pride in taking care of the communities in which it serves. The bank provides financial solutions to simplify everyday financial needs for customers, businesses, and communities in the areas it serves. Prosperity Bank was named "Best Overall Bank in Texas" by Money for 2025.

• Founded in 1983.
• Ranked in the Top 10 for Forbes America's Best Banks for 14 consecutive years.
• Ranked #2 in deposit market share in Texas (as of 6/30/2024).

Prosperity Bancshares, Inc. (PB) - Canvas Business Model: Channels

You're looking at how Prosperity Bancshares, Inc. gets its services to customers across Texas and Oklahoma. It's a mix of traditional brick-and-mortar presence and digital access points, which is typical for a strong regional player in late 2025.

Physical branch network across Texas and Oklahoma

Prosperity Bancshares, Inc. maintains a substantial physical footprint, central to its community banking philosophy. As of September 30, 2025, Prosperity Bancshares, Inc.® operated 283 full-service banking locations throughout Texas and Oklahoma.

This physical network is strategically distributed across key metropolitan and regional areas:

Geographic Area	Number of Locations (as of Sept 30, 2025)
Houston area (including The Woodlands)	62
Dallas/Fort Worth area	61
West Texas area	45
Central Texas area (including Austin and San Antonio)	31
South Texas area (including Corpus Christi and Victoria)	33
Bryan/College Station area	15
East Texas area	22
Tulsa, Oklahoma area	8
Central Oklahoma area	6

The expansion strategy also flows through M&A. The pending acquisition of American Bank Holding Corporation, as of June 30, 2025, included 18 banking offices and 2 loan production offices in South and Central Texas. Also, the announced merger with Southwest Bancshares, Inc. is set to add 11 banking offices in Central Texas.

Digital banking platforms (online and mobile)

Digital channels are a key part of the service delivery, supporting the in-person experience. The stability of the funding base reflects usage of these platforms. As of September 30, 2025, noninterest-bearing deposits, which often represent transactional accounts managed digitally, were $9.5 billion, making up 34.3% of total deposits. This is consistent with the Q1 2025 figure where noninterest-bearing deposits were $9.7 billion, or 34.5% of total deposits.

ATM network for cash access and basic transactions

Prosperity Bancshares, Inc. provides access for cash transactions through its ATM network, though specific figures for the total number of ATMs as of late 2025 aren't explicitly detailed in recent earnings releases. The bank's 283 full-service locations serve as primary access points.

Direct sales force for commercial and industrial loans

For commercial and industrial (C&I) lending, a direct sales approach is evident through team acquisitions. The merger with Southwest Bancshares, Inc. specifically adds an experienced C&I lending team to the channel structure. The total loan portfolio stood at $22.028 billion as of September 30, 2025.

Call centers for customer support

Customer support is routed through established channels. The company states it provides positive experiences at every touchpoint, from in-person to its digital channels. While the existence of call centers is implied for support, specific metrics like call volume or staffing levels for the late 2025 period are not publicly itemized in the latest financial disclosures found.

• Prosperity Bancshares, Inc. provides personal banking services, investments, and wealth management services.
• The company also offers mortgage services, treasury management solutions, and retail brokerage services.

Prosperity Bancshares, Inc. (PB) - Canvas Business Model: Customer Segments

You're looking at the core clientele that fuels Prosperity Bancshares, Inc.'s operations across Texas and Oklahoma. Honestly, the business model is built on a relationship-banking foundation, but the scale achieved through recent mergers means the segments are quite broad now. As of September 30, 2025, Prosperity Bancshares, Inc.® was a $38.330 billion regional financial holding company.

The customer base is segmented across both commercial and retail lines, with a strong geographic concentration in the markets served by its 283 full-service banking locations.

Small to medium-sized businesses (SMBs) in Texas and Oklahoma

This group forms the backbone of the commercial lending and deposit franchise. Prosperity Bancshares, Inc. tailors its products to the specific needs of these businesses in its market areas. The focus here is on Commercial and Industrial (C&I) lending, which is a key driver of earning assets.

• Total C&I loans (Excluding Energy Loans) stood at $1,915 million as of March 31, 2025.
• The bank manages a large number of commercial relationships, evidenced by the 70,400 separate loan accounts managed as of December 31, 2024.

Commercial Real Estate (CRE) investors and developers

CRE and construction lending is a significant, though carefully managed, part of the loan book. The underwriting approach emphasizes conservative loan-to-value ratios for this segment.

Here's a look at the CRE-related loan exposure as of mid-2025:

Metric	Amount (As of June 30, 2025)	Amount (As of March 31, 2025)
Total CRE & Construction Loans	$2,873 million	$2,845 million
Owner-Occupied CRE Percentage	34% of total CRE loans	35% of total CRE loans
Average Total CRE Loan-to-Value	48%	48%

The average office CRE loan-to-value was reported at 51%.

Affluent retail customers seeking wealth management services

For clients needing more than standard deposit services, Prosperity Bancshares, Inc. offers wealth management, trust services, and retail brokerage. This segment is smaller in scale compared to the core lending base but is important for fee income generation.

• Prosperity currently reports $3.5 billion in Assets Under Management (AUM), based on figures reviewed for a 2025 industry ranking.

Mass-market retail customers needing deposit and mortgage products

This segment drives the bank's primary funding source-deposits-and contributes to the mortgage loan portfolio. Prosperity Bancshares, Inc. provides a full spectrum of personal banking services to consumers.

Deposit figures show the scale of this retail and commercial deposit base:

• Total Deposits were $28.027 billion at March 31, 2025.
• As of June 30, 2025, Noninterest-bearing deposits totaled $9.4 billion, which was 34.3% of total deposits.
• As of December 31, 2024, the bank held approximately 816,300 separate deposit accounts.

Municipal and public fund entities

These government and quasi-government entities are a recognized customer group, particularly noted for their deposit behavior. Prosperity Bancshares, Inc. bankers focus on building core deposits, acknowledging the seasonal nature of public fund balances.

• Prosperity notes seasonality where public fund customers use tax dollars received in December and January, leading to lower deposit balances in the second and third quarters.
• Loans to State & Political entities are included within the broader loan portfolio detail.

Prosperity Bancshares, Inc. (PB) - Canvas Business Model: Cost Structure

Significant personnel expenses are tied to a workforce of 3.85K employees at Prosperity Bancshares, Inc..

The branch network operating and occupancy costs support 283 full-service branches as of March 2025.

Interest expense on deposits and borrowings is a major component of funding costs. Here is a breakdown of interest expenses for the quarter ending June 2025:

Expense Category	Amount (USD Millions)
Deposits Interest Expense	95.97 M
Long-Term Debt Interest Expense	0.0
Fed Funds Purchased & Repo Interest Expense	1.09 M
Other Interest Expense	27.61 M

Technology and data processing expenditures are part of the overall noninterest expense base. For instance, the prior year saw increases in credit and debit card, data processing, and software amortization. Prosperity Bancshares maintains a focus on employing stringent cost controls.

Total noninterest expenses for the three months ended September 30, 2025, were reported at $138.6 million. For the nine months ended September 30, 2025, total noninterest expense was $417.5 million.

Key elements contributing to the cost structure include:

• Personnel expenses supporting 3.85K employees.
• Operating costs for 283 banking centers.
• Interest expense on deposits, which was $95.97 million in Q2 2025.
• Total noninterest expense of $138.6 million in Q3 2025.

Finance: draft 13-week cash view by Friday.

Prosperity Bancshares, Inc. (PB) - Canvas Business Model: Revenue Streams

You're looking at the core income drivers for Prosperity Bancshares, Inc. as of late 2025. For a bank like Prosperity Bancshares, the revenue model is fundamentally split between the money earned on its assets (loans and securities) and the fees it collects for services rendered. It's a classic banking structure, but the numbers tell you where the real leverage is right now.

Net Interest Income (NII) remains the bedrock of Prosperity Bancshares' revenue. This is the difference between the interest earned on its earning assets-like the loan book and the investment securities portfolio-and the interest paid out on its liabilities, primarily customer deposits and borrowings. You saw this strength clearly in the third quarter.

For the three months ended September 30, 2025, Prosperity Bancshares reported Net Interest Income of $273.44 million. That's a solid figure, especially when you consider the context of the nine-month performance. For the nine months ended September 30, 2025, NII reached $806.54 million. Management has been vocal about the tailwinds here, noting that a securities book yielding just over 2% and repricing fixed loans should keep NII strong for the next few years, even with potential rate changes.

The second major component is Noninterest Income, which is everything else-the service charges and fees. For Q3 2025, this total was reported at $41.2 million. Honestly, this stream is smaller, making up a smaller portion of the total revenue compared to NII, but it's important for diversification and fee-based revenue stability.

Here's a look at the key revenue figures for Q3 2025, based on the latest available data:

Revenue Component	Q3 2025 Amount (Millions USD)	Nine Months Ended Sep 30, 2025 Amount (Millions USD)
Net Interest Income (NII)	$273.44	$806.54
Total Noninterest Income	$41.2	Not explicitly provided in the same format
Total Revenue (ex-gains)	$314.7	Not explicitly provided in the same format

Digging into that Noninterest Income, we can see some of the specific fee-related numbers reported for Q3 2025, though the exact split for wealth management versus loan fees isn't fully itemized in the top-line reports. You can see the service charge components:

• Service Charges on Deposits Income: $7.32 million
• Other Service Charge Income: $28.13 million
• Other Non-Interest Income: $931 thousand (or $0.931 million)

The category of Other Service Charge Income, at $28.13 million, is where you'd expect to find the bulk of your wealth management, trust service fees, and loan origination/servicing fees bundled together. Management did update their fee income run-rate guidance in Q2 2025 to a range of $38-$40 million, which aligns closely with the reported Q3 total of $41.2 million, suggesting these fee-based activities are a consistent, albeit smaller, part of the overall picture.

To be fair, the reliance on NII is significant; for the last five years, NII made up about 86.8% of the company's total revenue. That's a key structural point for any valuation model you're building.

Finance: draft the Q4 2025 revenue projection by incorporating the expected Q4 noninterest expense range of $141-$143 million against the TTM revenue of $1.760B as of September 30, 2025.