Prosperity Bancshares, Inc. (PB): Business Model Canvas [Jan-2025 Mis à jour]

Plongez dans le plan stratégique de Prosperity Bancshares, Inc. (PB), une institution financière dynamique qui a méticuleusement conçu son modèle commercial pour servir les communautés locales avec précision et innovation. En mélangeant de manière transparente les principes bancaires traditionnels avec des solutions numériques de pointe, PB s'est positionné comme une puissance financière polyvalente, offrant des expériences bancaires personnalisées qui s'adressent à divers segments de clients à travers le Texas et l'Oklahoma. Cette toile complète du modèle commercial révèle les mécanismes complexes qui stimulent le succès de la banque, montrant comment les partenariats stratégiques, l'infrastructure technologique robuste et une approche centrée sur le client convergent pour créer une proposition de valeur convaincante dans le paysage bancaire compétitif.

Prosperity Bancshares, Inc. (PB) - Modèle commercial: partenariats clés

Partenariats stratégiques avec les entreprises locales et les entreprises commerciales

En 2024, Prosperity Bancshares entretient des partenariats stratégiques avec les entreprises commerciales régionales du Texas et de l'Oklahoma. Le réseau de partenariat de la banque comprend:

Catégorie de partenariat	Nombre de partenariats	Volume commercial annuel
Collaborations de petites entreprises	387	214,6 millions de dollars
Partenariats immobiliers commerciaux	156	412,3 millions de dollars
Partenariats commerciaux agricoles	92	87,4 millions de dollars

Collaboration avec les fournisseurs de services de la technologie financière (FINTECH)

Prosperity Bancshares intègre la technologie financière avancée grâce à des partenariats stratégiques:

• Provideurs de plate-forme bancaire numérique: 3 partenariats stratégiques
• Cybersecurity Technology Partners: 2 accords de niveau d'entreprise
• Fournisseurs de solutions bancaires mobiles: 4 collaborations actives

Relations avec les sociétés d'assurance et d'investissement

Type de partenaire	Nombre de partenariats	Actifs gérés totaux
Sociétés de gestion de patrimoine	12	1,2 milliard de dollars
Assureurs	8	456,7 millions de dollars de couverture
Sociétés de conseil en investissement	6	789,3 millions de dollars sous gestion

Partenariats avec les organisations communautaires et les chambres de commerce

Engagement communautaire grâce à des partenariats organisationnels stratégiques:

• Chambres de commerce locales: 27 adhésions actives
• Conseils de développement économique: 15 partenariats
• Collaborations de réinvestissement communautaire: 9 programmes actifs

Prosperity Bancshares, Inc. (PB) - Modèle d'entreprise: activités clés

Services bancaires commerciaux et de détail

Au quatrième trimestre 2023, Prosperity Bancshares exploite 251 emplacements bancaires à service complet à travers le Texas et l'Oklahoma. Le total des actifs déclarés à 42,7 milliards de dollars, avec un portefeuille de prêts de 30,4 milliards de dollars.

Catégorie de service bancaire	Volume total (2023)
Transactions bancaires commerciales	22,6 milliards de dollars
Transactions bancaires au détail	7,8 milliards de dollars

Prêt et gestion du crédit

Les origines totales du prêt pour 2023 ont atteint 5,2 milliards de dollars, avec la ventilation suivante:

• Prêts immobiliers commerciaux: 2,7 milliards de dollars
• Commercial & Prêts industriels: 1,5 milliard de dollars
• Prêts hypothécaires résidentiels: 0,8 milliard de dollars
• Prêts à la consommation: 0,2 milliard de dollars

Offres de produits de dépôt et d'investissement

Dépôts totaux au 31 décembre 2023: 37,1 milliards de dollars

Dépôt de dépôt	Volume total
Comptes chèques	15,3 milliards de dollars
Comptes d'épargne	8,6 milliards de dollars
Comptes de marché monétaire	6,2 milliards de dollars
Certificats de dépôt	7,0 milliards de dollars

Développement de la plate-forme bancaire numérique

Mesures d'engagement des banques numériques pour 2023:

• Utilisateurs de la banque mobile: 275 000
• Utilisateurs bancaires en ligne: 385 000
• Volume de transaction numérique: 4,6 milliards de dollars
• Téléchargements d'applications mobiles: 127 000

Gestion des risques et services de conseil financier

Mesures de gestion des risques pour 2023:

• Ratio de prêts non performants: 0,42%
• Réserves de perte de prêt: 382 millions de dollars
• Ratio d'adéquation des capitaux: 13,6%
• Investissements totaux de gestion des risques: 47 millions de dollars

Prosperity Bancshares, Inc. (PB) - Modèle commercial: Ressources clés

Réseau de succursale

Depuis le quatrième trimestre 2023, Prosperity Bancshares maintient 248 emplacements bancaires au total à travers le Texas et l'Oklahoma. Répartition de la distribution géographique:

État	Nombre de branches
Texas	224
Oklahoma	24

Infrastructure bancaire numérique

Les capacités bancaires numériques comprennent:

• Plateforme de banque mobile Soutenir Plus de 150 000 utilisateurs numériques actifs
• Manipulation du système de traitement des transactions en ligne 2,3 millions de transactions numériques mensuelles moyennes
• Protocoles de cybersécurité avancés avec Évaluation de sécurité des transactions à 99,98%

Équipe de gestion financière

Composition du leadership à partir de 2024:

• 14 membres du leadership exécutif
• Expérience bancaire moyenne: 22,5 ans
• Expérience en leadership bancaire collectif: 315 années cumulatives

Réserves de capitaux

Métrique financière	Montant
Actif total	41,2 milliards de dollars
Ratio de capital de niveau 1	14.6%
Total des capitaux propres	5,7 milliards de dollars

Systèmes technologiques

• Système bancaire de base basé sur le cloud
• Infrastructure de détection de fraude d'apprentissage automatique
• Plateforme de surveillance des transactions en temps réel

Prosperity Bancshares, Inc. (PB) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les communautés locales

Depuis le quatrième trimestre 2023, Prosperity Bancshares dessert 355 emplacements bancaires communautaires à travers le Texas et l'Oklahoma. Les actifs totaux de 44,9 milliards de dollars soutiennent les stratégies bancaires localisées.

Présence géographique	Nombre d'emplacements	Actif total
Texas	326	41,2 milliards de dollars
Oklahoma	29	3,7 milliards de dollars

Taux d'intérêt concurrentiels et produits financiers

Taux d'intérêt moyens actuels pour les produits clés:

• Comptes d'épargne personnels: 1,75% apy
• Comptes de marché monétaire: 2,25% apy
• Certificats de dépôt de 12 mois: 3,50% APY
• Comptes de chèque d'entreprise: 0,25% d'intérêt

Services bancaires numériques et traditionnels complets

Métriques bancaires numériques pour 2023:

Service	Adoption des utilisateurs
Utilisateurs de la banque mobile	287,000
Utilisateurs de la banque en ligne	412,000
Volume de transaction numérique	3,2 milliards de dollars

Focus sur le service client et la banque de relations

Métriques de performance du service client:

• Taux de satisfaction client: 88%
• Rétention moyenne de la clientèle: 7,3 ans
• Score de promoteur net: 62

Solutions financières sur mesure pour les petites et moyennes entreprises

Détails du portefeuille bancaire commercial:

Segment d'entreprise	Prêts totaux	Nombre de clients
Petites entreprises	8,7 milliards de dollars	14,200
Entreprises moyennes	6,3 milliards de dollars	3,800

Prosperity Bancshares, Inc. (PB) - Modèle d'entreprise: relations avec les clients

Gestion des relations personnalisées

Prosperity Bancshares maintient 314 emplacements bancaires dans 7 États à partir de 2023. La gestion de la relation client se concentre sur une approche ciblée avec un taux de rétention de clientèle moyen de 87,4%.

Segment de clientèle	Stratégie de gestion des relations	Fréquence d'interaction annuelle
Banque personnelle	Gestionnaires de relations dédiées	12-15 points de contact
Banque d'affaires	Conseillers relationnels spécialisés	18-22 points de contact
Gestion de la richesse	Consultants financiers personnels	Points de contact 24-30

Support client multicanal

Les canaux de support comprennent:

• Support en branche: 314 emplacements
• Plateformes bancaires numériques: application mobile avec 92% de satisfaction des utilisateurs
• Centre d'appel: temps de réponse moyen 2,7 minutes
• Support de chat en ligne: disponible 16 heures par jour

Approche bancaire axée sur la communauté

Métriques d'engagement communautaire pour 2023:

Initiative communautaire	Montant d'investissement	Impact
Assistance commerciale locale	42,6 millions de dollars	387 prêts aux petites entreprises
Développement communautaire	18,3 millions de dollars	52 Projets communautaires

Engagement des clients numériques et en personne

Statistiques de l'engagement numérique:

• Utilisateurs de la banque mobile: 276 000
• Pénétration des services bancaires en ligne: 68,3%
• Volume de transaction numérique: 3,4 millions par mois

Services de consultation financière personnalisés

Répartition des services de consultation:

Type de consultation	Volume annuel	Durée moyenne
Planification financière personnelle	24 600 consultations	1,2 heures
Avis financier des entreprises	8 900 consultations	2,4 heures
Planification de la retraite	16 300 consultations	1,5 heures

Prosperity Bancshares, Inc. (PB) - Modèle d'entreprise: canaux

Réseau de succursale physique

En 2023, Prosperity Bancshares exploite 251 sites bancaires à service complet à travers le Texas et l'Oklahoma.

État	Nombre de branches
Texas	234
Oklahoma	17

Plateforme bancaire en ligne

Fonctionnalités bancaires numériques:

• Accès du compte 24/7
• Services de paiement
• Déclarations électroniques
• Transferts de fonds

Application bancaire mobile

Disponible sur les plates-formes iOS et Android avec 87 000 utilisateurs de banque mobile actifs au quatrième trimestre 2023.

Fonctionnalité d'application mobile	Disponibilité
Dépôt de chèques mobiles	Oui
Commandes de carte	Oui
Connexion biométrique	Oui

Services bancaires téléphoniques

Support client disponible 7 jours par semaine avec un taux de satisfaction client de 92% en 2023.

Réseau ATM

Total de 348 emplacements ATM dans toutes les régions de service.

Type de guichet automatique	Nombre
MAT propriétaires	275
ATM des partenaires de réseau	73

Prosperity Bancshares, Inc. (PB) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises

Depuis le quatrième trimestre 2023, Prosperity Bancshares dessert environ 3 750 clients commerciaux de taille moyenne et moyenne principalement au Texas et sélectionner les États du sud-est.

Segment d'entreprise	Nombre de clients	Taille moyenne du prêt
Micro-entreprises	1,250	$125,000
Petites entreprises	1,850	$475,000
Entreprises moyennes	650	$1,250,000

Clients bancaires de détail individuels

Prosperity Bancshares conserve 272 centres bancaires avec 375 000 clients bancaires de détail actifs au 31 décembre 2023.

• Comptes de dépôt au détail total: 285 000
• Solde moyen du compte individuel: 47 500 $
• Utilisateurs bancaires numériques: 215 000

Clients commerciaux et d'entreprise

La banque dessert 1 250 clients commerciaux et d'entreprises avec un portefeuille de prêts commerciaux totaux de 12,3 milliards de dollars en 2023.

Segment de l'entreprise	Nombre de clients	Portefeuille de prêts totaux
Grandes entreprises	250	6,5 milliards de dollars
Sociétés de taille moyenne	650	4,2 milliards de dollars
Petites entreprises	350	1,6 milliard de dollars

Individus à haute nette

Prosperity Bancshares gère la richesse pour 12 500 clients à haute teneur en noue avec un actif total sous gestion de 4,7 milliards de dollars en 2023.

• Valeur nette moyenne du client: 3,2 millions de dollars
• Comptes de gestion de la patrimoine: 8,750
• Taille du portefeuille d'investissement par client: 625 000 $

Organisations communautaires locales

La banque soutient 750 organisations communautaires locales avec des services bancaires spécialisés et des prêts de développement communautaire totalisant 385 millions de dollars en 2023.

Type d'organisation	Nombre d'organisations	Prêts communautaires totaux
Organisations à but non lucratif	350	185 millions de dollars
Établissements d'enseignement	225	95 millions de dollars
Entités gouvernementales locales	175	105 millions de dollars

Prosperity Bancshares, Inc. (PB) - Modèle d'entreprise: Structure des coûts

Dépenses de fonctionnement de la succursale

Au quatrième trimestre 2023, Prosperity Bancshares a exploité 251 succursales à service complet à travers le Texas et l'Oklahoma. Les dépenses annuelles de l'opération de succursale pour 2023 étaient de 173,4 millions de dollars, notamment:

Catégorie de dépenses	Montant ($)
Loyer et installations	42,6 millions
Services publics	18,2 millions
Entretien	22,8 millions
Sécurité des succursales	12,9 millions

Investissements technologiques et infrastructures numériques

Les dépenses technologiques pour 2023 ont totalisé 89,7 millions de dollars, avec des allocations clés, notamment:

• Infrastructure de cybersécurité: 24,3 millions de dollars
• Plateformes bancaires numériques: 31,5 millions de dollars
• Mises à niveau du système bancaire de base: 18,9 millions de dollars
• Cloud Computing et stockage: 15 millions de dollars

Salaires et avantages sociaux des employés

Les dépenses totales du personnel pour 2023 étaient de 362,5 millions de dollars, ventilées comme suit:

Composant de compensation	Montant ($)
Salaires de base	248,6 millions
Bonus de performance	53,2 millions
Prestations de santé et de retraite	60,7 millions

Coûts de conformité réglementaire

Les dépenses de conformité pour 2023 étaient de 47,3 millions de dollars, notamment:

• Systèmes de rapports réglementaires: 15,6 millions de dollars
• Personnel de conformité: 22,7 millions de dollars
• Audit externe et conseil: 9 millions de dollars

Frais de marketing et d'acquisition des clients

Les dépenses de marketing pour 2023 ont totalisé 28,6 millions de dollars, avec la distribution suivante:

Canal de marketing	Montant ($)
Marketing numérique	12,4 millions
Publicité médiatique traditionnelle	8,2 millions
Parrainages communautaires	4,7 millions
Campagnes d'acquisition de clients	3,3 millions

Prosperity Bancshares, Inc. (PB) - Modèle commercial: Strots de revenus

Revenu des intérêts des prêts et des produits de crédit

Pour l'exercice 2023, Prosperity Bancshares a déclaré un revenu net d'intérêts de 1,08 milliard de dollars. La répartition du portefeuille de prêts comprend:

Catégorie de prêt	Montant total	Pourcentage
Immobilier commercial	12,3 milliards de dollars	42.5%
Prêts commerciaux et industriels	7,6 milliards de dollars	26.3%
Prêts hypothécaires résidentiels	5,2 milliards de dollars	18.0%
Prêts à la consommation	3,9 milliards de dollars	13.2%

Frais de service bancaire

Le revenu des frais de service pour 2023 a totalisé 186,4 millions de dollars, avec la ventilation suivante:

• Frais de maintenance du compte: 62,1 millions de dollars
• Frais de découvert: 41,3 millions de dollars
• ATM et frais de transaction: 45,6 millions de dollars
• Frais de transfert de fil: 37,4 millions de dollars

Services d'investissement et de gestion de la patrimoine

Les revenus des services de gestion de patrimoine en 2023 ont atteint 94,7 millions de dollars, notamment:

• Frais de gestion des actifs: 53,2 millions de dollars
• Services de conseil financier: 28,5 millions de dollars
• Services de planification de la retraite: 13,0 millions de dollars

Frais de transaction

Les revenus des frais de transaction pour 2023 étaient de 76,5 millions de dollars, composé de:

Type de transaction	Revenus totaux
Frais de transaction de carte de crédit	42,3 millions de dollars
Frais de transaction de carte de débit	34,2 millions de dollars

Revenus du service bancaire numérique

Les services bancaires numériques ont généré 63,8 millions de dollars de revenus pour 2023:

• Frais de plate-forme bancaire en ligne: 28,6 millions de dollars
• Frais de transaction bancaire mobile: 22,4 millions de dollars
• Traitement des paiements numériques: 12,8 millions de dollars

Total des sources de revenus pour 2023: 1,49 milliard de dollars

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.