PB · 10-K filed 26 Feb 2026 · year to 31 Dec 2025

Prosperity Bancshares

21 named things its latest annual report says its results depend on, each in the company's own words. 16 of them are also named by other companies we've read.

Read the filing on SEC.gov ↗

Other companies

Goodwill

$3.50 billionnamed as a risk

At December 31, 2025, the Company’s goodwill totaled $3.50 billion.Risk factors (Item 1A)

Also named by ES, GBCI, HBAN, URI, XPO

Stellar Bancorp, Inc.

approximately $2.00 billionnamed as a risk

Based on the closing price of the Company’s common stock of $72.90 on January 27, 2026, the total consideration was valued at approximately $2.00 billion.Business (Item 1)

American Bank Holding Corporation

4,439,938 sharesnamed as a risk

Pursuant to the terms of the definitive agreement, the Company issued 4,439,938 shares of its common stock for all outstanding shares of American common stock in the first quarter of 2026.Business (Item 1)

Southwest Bancshares, Inc.

4,094,974 sharesnamed as a risk

Pursuant to the terms of the definitive agreement, the Company issued 4,094,974 shares of its common stock for all outstanding shares of Southwest common stock in the first quarter of 2026.Business (Item 1)

Lone Star State Bancshares, Inc.

goodwill of $106.7 million

This resulted in goodwill of $106.7 million as of December 31, 2025, which reflected all final subsequent fair value adjustments.Business (Item 1)

OPEC

named as a risk

Global wars, military conflicts, terrorism, governmental and social responses to environmental issues and climate change, or other geopolitical events as well as actions by members of the Organization of Petroleum Exporting Countries can impact global crude oil and gas production levels and lead to significant volatility in global oil and gas supplies and market prices.Risk factors (Item 1A)

Also named by APA, CHRD, CPAY, CRC, CRGY, DMLP, KMI, KRP and 9 more

Places

Houston, Texas

operates in · 62

As of December 31, 2025, the Bank operated 283 full-service banking locations: 62 in the Houston area, including The Woodlands; 33 in the South Texas area including Corpus Christi and Victoria; 61 in the Dallas/Fort Worth area; 22 in the East Texas area; 31 in the Central Texas area including Austin and San Antonio; 45 in the West Texas area including Lubbock, Midland-Odessa, Abilene, Amarillo and Wichita Falls; 15 in the Bryan/College Station area; 6 in the Central Oklahoma area; and 8 in the Tulsa, Oklahoma area.Business (Item 1)

Also named by BLDR, HHH, MAIN, POWL

Texas

concentrated innamed as a risk

The Company’s success depends primarily on the general economic conditions of the primary markets in Texas and Oklahoma in which it operates and where its loans are concentrated.Risk factors (Item 1A)

Also named by ABR, AFRM, ALLY, AN, ASO, ASTS, ATO, AXP and 70 more

Hazards

Hurricanes

concentrated innamed as a risk

A significant portion of the Company’s business is generated from markets that have been, and may continue to be, damaged by hurricanes, floods, tropical storms, tornadoes and other natural disasters and adverse weather, which may grow more severe and could have a significant impact on the Company’s ability to conduct business.Risk factors (Item 1A)

Also named by AIG, AN, ASO, BAC, BBY, BJ, BPOP, BRO and 89 more

Commodities and inputs

Crude oil

exposed to its price · 2.0% of total loansnamed as a risk

As of December 31, 2025, funded commitments to oil and gas production and service companies represented 2.0% of total loans, excluding Warehouse Purchase Program loans.Risk factors (Item 1A)

Also named by AESI, ALK, APA, ARLP, BDX, CFR, CL, CLMT and 48 more

Commercial real estate

concentrated in · approximately 26.5% of the Company’s loan portfolionamed as a risk

As of December 31, 2025, commercial real estate loans (including multifamily residential and excluding farmland) comprised approximately 26.5% of the Company’s loan portfolio.Risk factors (Item 1A)

Also named by AFL, APO, AUB, BAC, C, CFR, FSUN, GBCI and 11 more

Real estate collateral

concentrated in · Approximately 80.0% of the Company’s total loansnamed as a risk

Approximately 80.0% of the Company’s total loans as of December 31, 2025, consisted of loans included in the real estate loan portfolio, with 29.5% in commercial real estate (including farmland and multifamily residential), 37.9% in residential real estate (including home equity) and 12.6% in construction, land development and other land loans.Risk factors (Item 1A)

Also named by FSUN, SF, SSB

Natural gas

exposed to its pricenamed as a risk

Prolonged periods of low oil and gas commodity prices could negatively impact the Company’s borrowers' ability to pay, particularly those that utilize higher-cost production technologies such as hydraulic fracking and horizontal drilling, as well as oilfield service providers, energy equipment manufacturers and transportation suppliers, among others.Risk factors (Item 1A)

Also named by AA, ADM, AEE, AEP, AES, AESI, AGX, ALB and 132 more

Regulators

Consumer Financial Protection Bureau (CFPB)

subject to · total assets of over $10 billion

Further, because the Bank has total assets of over $10 billion, the Bank is also subject to supervision and regulation by the Consumer Financial Protection Bureau (“CFPB”).Business (Item 1)

Also named by ABNB, AFRM, ALLY, AN, AUB, AXP, BAC, CASH and 61 more

Federal Deposit Insurance Corporation (FDIC)

subject to

The Bank is not a member of the Federal Reserve System; therefore, the Bank is subject to supervision and regulation by the FDIC and the Texas Department of Banking.Business (Item 1)

Also named by AFRM, BAC, BNY, CASH, CFG, CFR, COF, FCFS and 27 more

Federal Reserve Board

subject to

Accordingly, the Company is subject to primary supervision, regulation and examination by the Board of Governors of the Federal Reserve System (“Federal Reserve Board”).Business (Item 1)

Also named by ALLY, AMP, BPOP, C, CFG, CFR, CME, COMP and 9 more

Texas Department of Banking

subject to

Such supervision and regulation subject the Bank to special restrictions, requirements, potential enforcement actions and periodic examination by the FDIC and the Texas Department of Banking.Business (Item 1)

Also named by CFR

Laws and programs

FDIC special assessment

subject to · approximately 3.36 basis pointsnamed as a risk

The extent to which any additional future assessments will impact the Company’s future deposit insurance expense is currently uncertain.Business (Item 1)

Also named by BPOP, CFG, CFR, CUBI, EFSC, EWBC, FCNCA, GBCI and 10 more

Durbin Amendment

subject to · 21 cents per transaction and 5 basis pointsnamed as a risk

The extent to which any such proposed changes in permissible interchange fees will impact the Company’s future revenue is uncertain.Business (Item 1)

Also named by CPAY, EFSC, FSUN, PNFP, SOFI

Warehouse Purchase Program

earns from · $1.30 billion and represented 6.0% of the total loan portfolionamed as a risk

Warehouse Purchase Program loans were $1.30 billion and represented 6.0% of the total loan portfolio as of December 31, 2025.Business (Item 1)

Community Reinvestment Act

subject tonamed as a risk

An unsatisfactory record can substantially delay or block the transaction.Business (Item 1)

Also named by ALLY, AMP, AUB, CFG, CFR, EFSC, EWBC, FCNCA and 20 more