Prosperity Bancshares, Inc. (PB): Modelo de Negocio Canvas [Actualizado en Ene-2025]

Sumérgete en el plan estratégico de Prosperity Bancshares, Inc. (PB), una institución financiera dinámica que ha creado meticulosamente su modelo de negocio para servir a las comunidades locales con precisión e innovación. Al combinar perfectamente los principios bancarios tradicionales con soluciones digitales de vanguardia, PB se ha posicionado como una potencia financiera versátil, que ofrece experiencias bancarias personalizadas que atienden a diversos segmentos de clientes en Texas y Oklahoma. Este lienzo de modelo comercial integral revela los intrincados mecanismos que impulsan el éxito del banco, mostrando cómo las asociaciones estratégicas, la infraestructura tecnológica robusta y un enfoque centrado en el cliente convergen para crear una propuesta de valor convincente en el paisaje bancario competitivo.

Prosperity Bancshares, Inc. (PB) - Modelo de negocios: asociaciones clave

Asociaciones estratégicas con empresas locales y empresas comerciales

A partir de 2024, Prosperity Bancshares mantiene asociaciones estratégicas con empresas comerciales regionales en Texas y Oklahoma. La red de asociación del banco incluye:

Categoría de asociación	Número de asociaciones	Volumen de negocios anual
Colaboraciones de pequeñas empresas	387	$ 214.6 millones
Asociaciones de bienes raíces comerciales	156	$ 412.3 millones
Asociaciones de negocios agrícolas	92	$ 87.4 millones

Colaboración con proveedores de servicios de tecnología financiera (FITECH)

Prosperity BancShares integra tecnología financiera avanzada a través de asociaciones estratégicas:

• Proveedores de plataforma de banca digital: 3 asociaciones estratégicas
• Socios de tecnología de ciberseguridad: 2 acuerdos de nivel empresarial
• Proveedores de soluciones de banca móvil: 4 colaboraciones activas

Relaciones con empresas de seguros e inversiones

Tipo de socio	Número de asociaciones	Activos totales administrados
Empresas de gestión de patrimonio	12	$ 1.2 mil millones
Proveedores de seguros	8	$ 456.7 millones en cobertura
Empresas de asesoramiento de inversiones	6	$ 789.3 millones bajo administración

Asociaciones con organizaciones comunitarias y cámaras de comercio

Participación comunitaria a través de asociaciones organizacionales estratégicas:

• Cámaras locales de comercio: 27 membresías activas
• Consejos de desarrollo económico: 15 asociaciones
• Colaboraciones de reinversión comunitaria: 9 programas activos

Prosperity Bancshares, Inc. (PB) - Modelo de negocio: actividades clave

Servicios de banca comercial y minorista

A partir del cuarto trimestre de 2023, Prosperity Bancshares opera 251 ubicaciones de banca de servicio completo en Texas y Oklahoma. Los activos totales informaron en $ 42.7 mil millones, con una cartera de préstamos de $ 30.4 mil millones.

Categoría de servicio bancario	Volumen total (2023)
Transacciones bancarias comerciales	$ 22.6 mil millones
Transacciones bancarias minoristas	$ 7.8 mil millones

Gestión de préstamos y crédito

Las originaciones totales del préstamo para 2023 alcanzaron los $ 5.2 mil millones, con el siguiente desglose:

• Préstamos comerciales de bienes raíces: $ 2.7 mil millones
• Comercial & Préstamos industriales: $ 1.5 mil millones
• Préstamos hipotecarios residenciales: $ 0.8 mil millones
• Préstamos al consumidor: $ 0.2 mil millones

Ofertas de productos de depósito e inversión

Depósitos totales al 31 de diciembre de 2023: $ 37.1 mil millones

Producto de depósito	Volumen total
Cuentas corrientes	$ 15.3 mil millones
Cuentas de ahorro	$ 8.6 mil millones
Cuentas del mercado monetario	$ 6.2 mil millones
Certificados de depósito	$ 7.0 mil millones

Desarrollo de la plataforma de banca digital

Métricas de participación bancaria digital para 2023:

• Usuarios de banca móvil: 275,000
• Usuarios bancarios en línea: 385,000
• Volumen de transacción digital: $ 4.6 mil millones
• Descargas de aplicaciones móviles: 127,000

Gestión de riesgos y servicios de asesoramiento financiero

Métricas de gestión de riesgos para 2023:

• Relación de préstamos sin rendimiento: 0.42%
• Reservas de pérdida de préstamos: $ 382 millones
• Relación de adecuación de capital: 13.6%
• Inversiones totales de gestión de riesgos: $ 47 millones

Prosperity Bancshares, Inc. (PB) - Modelo de negocio: recursos clave

Red de sucursales

A partir del cuarto trimestre de 2023, Prosperity Bancshares mantiene 248 ubicaciones bancarias totales en Texas y Oklahoma. Desglose de distribución geográfica:

Estado	Número de ramas
Texas	224
Oklahoma	24

Infraestructura bancaria digital

Las capacidades de banca digital incluyen:

• Plataforma de banca móvil Soporte Más de 150,000 usuarios digitales activos
• Manejo del sistema de procesamiento de transacciones en línea promedio de 2.3 millones de transacciones digitales mensuales
• Protocolos avanzados de ciberseguridad con Calificación de seguridad de transacciones 99.98%

Equipo de gestión financiera

Composición de liderazgo a partir de 2024:

• 14 miembros de liderazgo ejecutivo
• Experiencia bancaria ejecutiva promedio: 22.5 años
• Experiencia de liderazgo bancario colectivo: 315 años acumulativos

Reservas de capital

Métrica financiera	Cantidad
Activos totales	$ 41.2 mil millones
Relación de capital de nivel 1	14.6%
Equidad total	$ 5.7 mil millones

Sistemas tecnológicos

• Sistema bancario central basado en la nube
• Infraestructura de detección de fraude de aprendizaje automático
• Plataforma de monitoreo de transacciones en tiempo real

Prosperity Bancshares, Inc. (PB) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para comunidades locales

A partir del cuarto trimestre de 2023, Prosperity Bancshares sirve 355 ubicaciones de banca comunitaria en Texas y Oklahoma. Activos totales de $ 44.9 mil millones respaldan estrategias bancarias localizadas.

Presencia geográfica	Número de ubicaciones	Activos totales
Texas	326	$ 41.2 mil millones
Oklahoma	29	$ 3.7 mil millones

Tasas de interés competitivas y productos financieros

Tasas de interés promedio actuales para productos clave:

• Cuentas de ahorro personal: 1.75% APY
• Cuentas del mercado monetario: 2.25% APY
• Certificados de depósito de 12 meses: 3.50% APY
• Cuentas corrientes de negocios: 0.25% de interés

Servicios bancarios digitales y tradicionales integrales

Métricas de banca digital para 2023:

Servicio	Adopción de usuarios
Usuarios de banca móvil	287,000
Usuarios bancarios en línea	412,000
Volumen de transacción digital	$ 3.2 mil millones

Fuerte enfoque en el servicio al cliente y la banca de relaciones

Métricas de rendimiento del servicio al cliente:

• Tasa de satisfacción del cliente: 88%
• Retención promedio de clientes: 7.3 años
• Puntuación del promotor neto: 62

Soluciones financieras personalizadas para pequeñas a medianas empresas

Detalles de la cartera de banca de negocios:

Segmento de negocios	Préstamos totales	Número de clientes
Pequeñas empresas	$ 8.7 mil millones	14,200
Empresas medianas	$ 6.3 mil millones	3,800

Prosperity Bancshares, Inc. (PB) - Modelo de negocios: relaciones con los clientes

Gestión de relaciones personalizadas

Prosperity Bancshares mantiene 314 ubicaciones bancarias en 7 estados a partir de 2023. La gestión de la relación con el cliente se centra en el enfoque dirigido con una tasa promedio de retención de clientes del 87.4%.

Segmento de clientes	Estrategia de gestión de relaciones	Frecuencia de interacción anual
Banca personal	Gerentes de relaciones dedicadas	12-15 puntos de contacto
Banca de negocios	Asesores de relaciones especializadas	18-22 puntos de contacto
Gestión de patrimonio	Consultores financieros personales	24-30 puntos de contacto

Atención al cliente multicanal

Los canales de soporte incluyen:

• Apoyo en la rama: 314 ubicaciones
• Plataformas de banca digital: aplicación móvil con 92% de satisfacción del usuario
• Centro de llamadas: tiempo de respuesta promedio 2.7 minutos
• Soporte de chat en línea: disponible 16 horas diarias

Enfoque bancario centrado en la comunidad

Métricas de participación comunitaria para 2023:

Iniciativa comunitaria	Monto de la inversión	Impacto
Apoyo comercial local	$ 42.6 millones	387 préstamos para pequeñas empresas
Desarrollo comunitario	$ 18.3 millones	52 proyectos comunitarios

Compromiso de clientes digitales y en persona

Estadísticas de compromiso digital:

• Usuarios de banca móvil: 276,000
• Penetración bancaria en línea: 68.3%
• Volumen de transacción digital: 3.4 millones mensuales

Servicios de consulta financiera personalizada

Desglose del servicio de consulta:

Tipo de consulta	Volumen anual	Duración promedio
Planificación financiera personal	24,600 consultas	1.2 horas
Aviso financiero comercial	8,900 consultas	2.4 horas
Planificación de jubilación	16,300 consultas	1.5 horas

Prosperity Bancshares, Inc. (PB) - Modelo de negocios: canales

Red de sucursales físicas

A partir de 2023, Prosperity Bancshares opera 251 ubicaciones de banca de servicio completo en Texas y Oklahoma.

Estado	Número de ramas
Texas	234
Oklahoma	17

Plataforma bancaria en línea

Características bancarias digitales:

• Acceso de cuenta 24/7
• Servicios de pago de facturas
• Declaraciones electrónicas
• Transferencias de fondos

Aplicación de banca móvil

Disponible en plataformas iOS y Android con 87,000 usuarios de banca móvil activa a partir del cuarto trimestre de 2023.

Función de la aplicación móvil	Disponibilidad
Depósito de cheque móvil	Sí
Controles de tarjetas	Sí
Inicio de sesión biométrico	Sí

Servicios de banca telefónica

Atención al cliente disponible los 7 días de la semana con una tasa de satisfacción del cliente del 92% en 2023.

Red de cajeros automáticos

Total de 348 ubicaciones de cajeros automáticos en las regiones de servicio.

Tipo de cajero automático	Número
Cajeros automáticos	275
ATMS de socios de red	73

Prosperity Bancshares, Inc. (PB) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas

A partir del cuarto trimestre de 2023, Prosperity BancShares atiende a aproximadamente 3.750 clientes comerciales pequeños a medianos principalmente en Texas y los estados seleccionados del sudeste.

Segmento de negocios	Número de clientes	Tamaño promedio del préstamo
Micro empresas	1,250	$125,000
Pequeñas empresas	1,850	$475,000
Empresas medianas	650	$1,250,000

Clientes de banca minorista individual

Prosperity Bancshares mantiene 272 centros bancarios con 375,000 clientes bancarios minoristas activos al 31 de diciembre de 2023.

• Cuentas de depósito minorista total: 285,000
• Saldo promedio de la cuenta individual: $ 47,500
• Usuarios de banca digital: 215,000

Clientes comerciales y corporativos

El banco atiende a 1,250 clientes comerciales y corporativos con una cartera total de préstamos comerciales de $ 12.3 mil millones en 2023.

Segmento corporativo	Número de clientes	Cartera de préstamos totales
Grandes corporaciones	250	$ 6.5 mil millones
Corporaciones de tamaño mediano	650	$ 4.2 mil millones
Pequeñas corporaciones	350	$ 1.6 mil millones

Individuos de alto nivel de red

Prosperity Bancshares administra la riqueza para 12,500 clientes de alto valor de la red con activos totales bajo una administración de $ 4.7 mil millones en 2023.

• Piso neto promedio del cliente: $ 3.2 millones
• Cuentas de gestión de patrimonio: 8.750
• Tamaño de la cartera de inversiones por cliente: $ 625,000

Organizaciones comunitarias locales

El banco apoya a 750 organizaciones comunitarias locales con servicios bancarios especializados y préstamos de desarrollo comunitario por un total de $ 385 millones en 2023.

Tipo de organización	Número de organizaciones	Préstamos comunitarios totales
Organizaciones sin fines de lucro	350	$ 185 millones
Instituciones educativas	225	$ 95 millones
Entidades del gobierno local	175	$ 105 millones

Prosperity Bancshares, Inc. (PB) - Modelo de negocio: Estructura de costos

Gastos de operación de rama

A partir del cuarto trimestre de 2023, Prosperity Bancshares operaba 251 ramas de servicio completo en Texas y Oklahoma. Los gastos de operación anual de la sucursal para 2023 fueron de $ 173.4 millones, que incluyeron:

Categoría de gastos	Monto ($)
Alquiler e instalaciones	42.6 millones
Utilidades	18.2 millones
Mantenimiento	22.8 millones
Seguridad de la rama	12.9 millones

Tecnología e inversiones en infraestructura digital

El gasto en tecnología para 2023 totalizó $ 89.7 millones, con asignaciones clave que incluyen:

• Infraestructura de ciberseguridad: $ 24.3 millones
• Plataformas de banca digital: $ 31.5 millones
• Actualizaciones del sistema bancario central: $ 18.9 millones
• Computación y almacenamiento en la nube: $ 15 millones

Salarios y beneficios de los empleados

Los gastos totales de personal para 2023 fueron de $ 362.5 millones, desglosados ​​de la siguiente manera:

Componente de compensación	Monto ($)
Salarios base	248.6 millones
Bonos de rendimiento	53.2 millones
Beneficios de salud y jubilación	60.7 millones

Costos de cumplimiento regulatorio

Los gastos de cumplimiento para 2023 fueron de $ 47.3 millones, que incluyen:

• Sistemas de informes regulatorios: $ 15.6 millones
• Personal de cumplimiento: $ 22.7 millones
• Auditoría externa y consultoría: $ 9 millones

Gastos de marketing y adquisición de clientes

El gasto de marketing para 2023 totalizó $ 28.6 millones, con la siguiente distribución:

Canal de marketing	Monto ($)
Marketing digital	12.4 millones
Publicidad de medios tradicional	8.2 millones
Patrocinios comunitarios	4.7 millones
Campañas de adquisición de clientes	3.3 millones

Prosperity Bancshares, Inc. (PB) - Modelo de negocio: flujos de ingresos

Ingresos por intereses de préstamos y productos de crédito

Para el año fiscal 2023, Prosperity Bancshares reportó ingresos por intereses netos de $ 1.08 mil millones. El desglose de la cartera de préstamos incluye:

Categoría de préstamo	Cantidad total	Porcentaje
Inmobiliario comercial	$ 12.3 mil millones	42.5%
Préstamos comerciales e industriales	$ 7.6 mil millones	26.3%
Préstamos hipotecarios residenciales	$ 5.2 mil millones	18.0%
Préstamos al consumo	$ 3.9 mil millones	13.2%

Tarifas de servicio bancario

Los ingresos de la tarifa de servicio para 2023 totalizaron $ 186.4 millones, con el siguiente desglose:

• Tarifas de mantenimiento de la cuenta: $ 62.1 millones
• Tarifas de sobregiro: $ 41.3 millones
• Tarifas de cajeros automáticos y transacciones: $ 45.6 millones
• Tasas de transferencia de cables: $ 37.4 millones

Servicios de inversión y gestión de patrimonio

Los ingresos de los servicios de gestión de patrimonio en 2023 alcanzaron $ 94.7 millones, que incluyen:

• Tarifas de gestión de activos: $ 53.2 millones
• Servicios de asesoramiento financiero: $ 28.5 millones
• Servicios de planificación de jubilación: $ 13.0 millones

Tarifas de transacción

Los ingresos por tarifas de transacción para 2023 fueron de $ 76.5 millones, compuestos por:

Tipo de transacción	Ingresos totales
Tarifas de transacción con tarjeta de crédito	$ 42.3 millones
Tarifas de transacción de tarjetas de débito	$ 34.2 millones

Ingresos del servicio bancario digital

Los servicios de banca digital generaron $ 63.8 millones en ingresos para 2023:

• Tarifas de la plataforma bancaria en línea: $ 28.6 millones
• Tarifas de transacción bancaria móvil: $ 22.4 millones
• Procesamiento de pagos digitales: $ 12.8 millones

Flujos de ingresos totales para 2023: $ 1.49 mil millones

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.