Investor Presentation Third Quarter 2022 "Safe Harbor" Statement Under the Private Securities Litigation Reform Act of 1995 "Safe Harbor" Statement under the Private Securities Litigation Reform Act of 1995: This release contains, and the remarks by Prosperity's management on the conference call may contain, forward-looking statements within the meaning of the federal securities laws, including Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as ...

(Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q FOR THE QUARTERLY PERIOD ENDED June 30, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO COMMISSION FILE NUMBER: 001-35388 PROSPERITY BANCSHARES, INC.® (Exact name of registrant as specified in its charter) TEXAS 74-2331986 (State or other juris ...

Prosperity Bancshares, Inc. (NYSE:PB) Q2 2022 Earnings Conference Call July 27, 2022 11:30 AM ET Company Participants Charlotte Rasche - Executive Vice President, General Counsel David Zalman - Senior Chairman and Chief Executive Officer Asylbek Osmonov - Chief Financial Officer Tim Timanus - Chairman Kevin Hanigan - President and Chief Operating Officer Conference Call Participants Jennifer Demba - Truist Securities Brett Rabatin - Hovde Group Brady Gailey - KBW Brad Milsaps - Piper Sandler Ebrahim Poonawa ...

Second Quarter 2022 Investor Presentation "Safe Harbor" Statement Under the Private Securities Litigation Reform Act of 1995 "Safe Harbor" Statement under the Private Securities Litigation Reform Act of 1995: This presentation contains forward-looking statements within the meaning of the federal securities laws, including Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements are typically, but not exclusively, id ...

Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 UNITED STATES SECURITIES AND EXCHANGE COMMISSION FOR THE QUARTERLY PERIOD ENDED March 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO COMMISSION FILE NUMBER: 001-35388 PROSPERITY BANCSHARES, INC.® (Exact name of registrant as specified in its charter) TEXAS 74-2331986 (State or other juri ...

Financial Data and Key Metrics Changes - Net income for Q1 2022 was $122.3 million, down from $126.8 million in Q4 2021, primarily due to a decrease in loan interest income [10] - Net income per diluted common share decreased to $1.33 from $1.38 in the previous quarter [11] - Annualized return on average assets was 1.29% and return on average tangible common equity was 15.3% for Q1 2022 [11] - Efficiency ratio for Q1 2022 was 43.6%, compared to 41.3% in Q1 2021 [24] Business Line Data and Key Metrics Changes - Year-over-year loan totals, excluding warehouse purchase program and PPP loans, increased by 2.5% to $16.6 billion [12] - Linked quarter loans decreased by 2.9% from $18.6 billion in Q4 2021 [12] - Deposits increased by $2.3 billion or 8% year-over-year to $31 billion [13] - Noninterest income for Q1 2022 was $35.1 million, slightly up from $34 million in Q1 2021 [22] Market Data and Key Metrics Changes - Nonperforming assets decreased by 38% year-over-year to $27 million [16] - The bank's asset quality remains sound despite economic concerns, with a strong credit quality and solid core capital [17] Company Strategy and Development Direction - The company continues to explore acquisition opportunities, although discussions have slowed due to external factors [18] - The bank aims for a 5% loan growth target despite challenges from significant paydowns [35] - The management emphasizes the importance of maintaining asset quality over aggressive growth [85] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the bank's ability to benefit from rising interest rates, although the full effect may take time due to the bond portfolio's duration [17] - The overall economy in Texas and Oklahoma remains strong, with continued population and business growth [16][42] - Concerns about inflation and supply chain issues were acknowledged, but the management remains optimistic about the bank's positioning [16] Other Important Information - The bank's securities portfolio is 97% held to maturity, which protects against unrealized losses in a rising rate environment [17] - The average monthly new loan production for Q1 2022 was $632 million, slightly above the average for 2021 [28] Q&A Session Summary Question: Can you provide more details on the paydown and lack of loan growth? - Management noted that many projects were completed and sold, leading to significant paydowns despite good production [33][34] Question: What is the confidence level in net loan growth for the rest of the year? - Management indicated strong pipelines but acknowledged ongoing paydowns, aiming for 5% growth [35][36] Question: How much more structured commercial real estate runoff is expected? - Management estimated another $150 million to $180 million in runoff, with expectations for similar amounts in Q2 [45] Question: How is the bank positioned regarding deposit growth? - Management expects organic growth rates of 2% to 4% for the year, with fluctuations based on public fund usage [62] Question: What is the outlook for super core margins in a rising rate environment? - Management anticipates expansion in super core margins, having hit the bottom in Q1 2022 [67][68] Question: What are the thoughts on M&A activity given current market conditions? - Management remains in contact with potential acquisition targets but is cautious due to current stock price levels [95]

Investor Presentation First Quarter 2022 "Safe Harbor" Statement Under the Private Securities Litigation Reform Act of 1995 "Safe Harbor" Statement under the Private Securities Litigation Reform Act of 1995: This presentation contains forward-looking statements within the meaning of the federal securities laws, including Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements are typically, but not exclusively, ide ...

Fourth Quarter 2021 Investor Presentation "Safe Harbor" Statement Under the Private Securities Litigation Reform Act of 1995 "Safe Harbor" Statement under the Private Securities Litigation Reform Act of 1995: This presentation contains forward-looking statements within the meaning of the federal securities laws, including Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements are typically, but not exclusively, id ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For The Fiscal Year Ended December 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-35388 PROSPERITY BANCSHARES, INC.® (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporati ...

Prosperity Bancshares, Inc. (NYSE:PB) Q4 2021 Earnings Conference Call January 26, 2022 11:30 AM ET Company Participants Charlotte Rasche - Executive Vice President, General Counsel Tim Timanus - Chairman David Zalman - Senior Chairman and Chief Executive Officer Asylbek Osmonov - Chief Financial Officer Kevin Hanigan - President and Chief Operating Officer Conference Call Participants Brady Gailey - KBW Jennifer Demba - Truist Brett Rabatin - Hovde Group Dave Rochester - Compass Point Graham Dick - Pipe ...