Prosperity Bancshares is a Texas-based bank holding company that operates Prosperity Bank, a community bank serving consumers and small-to-mid-sized businesses, municipalities, and farmers across Texas and Oklahoma. As of year-end 2025, Prosperity operated 283 full-service branches concentrated in Houston, Dallas/Fort Worth, West Texas, Central Texas, and South Texas. Prosperity offers a standard suite of community banking products: commercial and real estate loans, consumer loans, deposit accounts, treasury management, and trust and wealth management. The loan book is concentrated in real estate, with residential mortgages at roughly 38% of loans, commercial real estate at 30%, and construction and land development at 13%. Prosperity also runs a Warehouse Purchase Program providing short-term funding to mortgage companies. Like most community banks, Prosperity earns a net interest margin on the spread between deposit costs and loan and securities yields. Prosperity's defining characteristic is its low-cost, sticky deposit base — noninterest-bearing deposits represent about 33% of total deposits, and the bank carries no brokered deposits. Prosperity also holds a large securities portfolio that is gradually repricing higher as bonds mature, providing multi-year NIM tailwinds. Prosperity grows through both organic relationship banking and M&A, targeting community banks with similar credit cultures and low-cost deposit franchises in Texas and Oklahoma. In early 2026, Prosperity closed acquisitions of American Bank and Texas Partners Bank, and announced the pending acquisition of Stellar Bancgroup for roughly $2.0B, which would make Prosperity the second-largest Texas-based bank by deposits.