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Jun 30
Prosperity Q2 2025 Earnings Report
Prosperity Bancshares reported strong Q2 2025 results with higher net income and improved net interest margin.
Key Takeaways
Prosperity Bancshares delivered solid Q2 2025 results with net income growth, an expanded net interest margin, and stable asset quality despite a slight decline in deposits.
Net income rose to $135.2 million, driven by higher net interest income and lower noninterest expenses.
Net interest margin improved to 3.18% from 2.94% in Q2 2024.
Loans increased by $219.8 million during the quarter, while deposits declined by $553.4 million sequentially.
Nonperforming assets remained low at 0.33% of average interest-earning assets.
Prosperity
Prosperity
Prosperity Revenue by Segment
Prosperity Revenue by Geographic Location
Revenue by Segment
NSF Fees Revenue
CapyFin.comCard Income Revenue
CapyFin.comDeposit Service Charges Revenue
CapyFin.comTrust Income Revenue
CapyFin.comMortgage Income Revenue
CapyFin.comBrokerage Income Revenue
CapyFin.comBOLI Income Revenue
CapyFin.comAsset Sales Gains Revenue
CapyFin.comOther Noninterest Income Revenue
CapyFin.comRevenue by Geographic Location
Houston Loans/Deposits Revenue
CapyFin.comDallas Loans/Deposits Revenue
CapyFin.comAustin Loans/Deposits Revenue
CapyFin.comOklahoma City Loans/Deposits Revenue
CapyFin.comTulsa Loans/Deposits Revenue
CapyFin.comOther Markets Revenue
CapyFin.com Forward Guidance
Management expects continued loan growth, stable credit quality, and benefits from the American Bank merger in upcoming quarters.
Positive Outlook
- Loan growth momentum expected to continue.
- Improving net interest margin trends.
- Merger with American Bank to strengthen South and Central Texas presence.
- Business-friendly Texas and Oklahoma markets continue attracting growth.
- Stable credit quality and low nonperforming asset levels.
Challenges Ahead
- Deposit balances may remain under pressure due to seasonality.
- Higher competition for deposits could limit margin expansion.
- Potential regulatory delays in merger completion.
- Economic uncertainty may moderate loan demand.
- Rising interest rates could impact funding costs.