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Dec 31, 2025
Prosperity Q4 2025 Earnings Report
Prosperity reported higher net income and margin expansion during the fourth quarter of 2025.
Key Takeaways
Prosperity Bancshares delivered solid Q4 2025 results with net income growth, an expanded net interest margin, and strong deposit inflows, while maintaining disciplined expense control and sound asset quality.
Net income reached $139.9 million in Q4 2025.
Net interest margin expanded to 3.30% for the quarter.
Deposits increased by $700.4 million during the quarter.
Asset quality remained strong with nonperforming assets at 0.46%.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Management expects continued balance sheet growth and stable credit quality in 2026, supported by recent acquisitions and disciplined capital management.
Positive Outlook
- Completion of the American Bank acquisition in early 2026.
- Strong quarterly deposit growth.
- Expanded net interest margin.
- Consistently low nonperforming asset levels.
- Authorization to repurchase up to 5% of outstanding shares.
Challenges Ahead
- Total loans declined year over year.
- Nonperforming assets increased versus the prior quarter.
- Excise tax impact related to share repurchases.
- Macroeconomic uncertainty may pressure loan demand.
- Competitive pressure on deposit pricing remains.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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