Prosperity Bancshares Inc 2025年季度报告

PROSPERITY BANCSHARES, INC.® (Exact name of registrant as specified in its charter) (281)269-7199(Registrant’s telephone number, including area code) Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the SecuritiesExchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file suchreports), and (2) has been subject to such filing requirements for the past 90 days.Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submittedpursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period thatthe registrant was required to submit such files).Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smallerreporting company or an emerging growth company. See definitions of “large accelerated filer”, “accelerated filer”, “smallerreporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act: Large Accelerated Filer☒Non-accelerated Filer☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).Yes☐No☒ As of November 3, 2025, there were94,991,832outstanding shares of the registrant’s Common Stock, par value $1.00 per share. PROSPERITY BANCSHARES, INC.® AND SUBSIDIARIESINDEX TO FORM 10-Q PART I—FINANCIAL INFORMATION Item 1.Financial Statements3Consolidated Balance Sheets as of September 30, 2025 (unaudited) and December 31, 20243Consolidated Statements of Income for the Three and Nine Months Ended September 30, 2025 and 2024(unaudited)4Consolidated Statements of Comprehensive Income for the Three and Nine Months Ended September 30, 2025and 2024 (unaudited)5Consolidated Statements of Changes in Shareholders’ Equity for the Three and Nine Months Ended September 30,2025 and 2024 (unaudited)6Consolidated Statements of Cash Flows for the Nine Months Ended September 30, 2025 and 2024 (unaudited)7Notes to Consolidated Financial Statements (unaudited)8Item 2.Management’s Discussion and Analysis of Financial Condition and Results of Operations35Item 3.Quantitative and Qualitative Disclosures about Market Risk60Item 4.Controls and Procedures60 PART II—OTHER INFORMATION Item 1.Legal Proceedings61Item 1A.Risk Factors61Item 2.Unregistered Sales of Equity Securities and Use of Proceeds61Item 3.Defaults Upon Senior Securities61Item 4.Mine Safety Disclosures61Item 5.Other Information61Item 6.Exhibits62Signatures63 PROSPERITY BANCSHARES, INC.®AND SUBSIDIARIESCONSOLIDATED BALANCE SHEETS PROSPERITY BANCSHARES, INC.®AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF INCOME(UNAUDITED) PROSPERITY BANCSHARES, INC.®AND SUBSIDIARIESCONSOLIDATED STATEMENTSOF COMPREHENSIVE INCOME(UNAUDITED) PROSPERITY BANCSHARES, INC.®AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY(UNAUDITED) PROSPERITY BANCSHARES, INC.®AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF CASH FLOWS(UNAUDITED) PROSPERITY BANCSHARES, INC.® AND SUBSIDIARIESNOTES TO CONSOLIDATED FINANCIAL STATEMENTSSEPTEMBER 30, 2025(UNAUDITED) 1. BASIS OF PRESENTATION The consolidated financial statements include the accounts of Prosperity Bancshares, Inc.®(“Bancshares”) and its wholly-owned subsidiary, Prosperity Bank®(the “Bank,” and together with Bancshares, the “Company”). All intercompany transactionsand balances have been eliminated. The accompanying unaudited consolidated financial statements have been prepared in accordance with U.S. generallyaccepted accounting principles (“GAAP”) for financial information and with the rules and regulations of the Securities andExchange Commission (“SEC”). Accordingly, they do not include all of the information and footnotes required by GAAP forcomplete financial statements. In the opinion of management, the statements reflect all adjustments necessary for a fair presentationof the financial position, results of operations and cash flows of the Company on a consolidated basis; and all such adjustments areof a normal recurring nature. These financial statements and the notes thereto should be read in conjunction with the Company’sAnnual Report on Form 10-K for the year ended December 31, 2024. Operating results for the nine-month period ended September30, 2025, are not necessarily indicative of the results that may be expected for the year ending December 31, 2025, or any otherperiod. The Company’s banking operations are considered by management to be aggregated in one reportable operating segment inaccordance with Financial Accounting Standards Board (“FASB”) Accountin