Slides
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Third Quarter 2026Investor Presentation
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2 Cautionary Note on Forward Looking Statements“Safe Harbor” Statement under the Private Securities Litigation Reform Act of 1995: This presentation 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 amended. From time to time, oral or written forward-looking statements may also be included in other information released to the public. Such forward-looking statements are typically, but not exclusively, identified by the use in the statements of words or phrases such as “aim,” “anticipate,” “believe,” “estimate,” “expect,” “goal,” “guidance,” “intend,” “is anticipated,” “is expected,” “is intended,” “objective,” “plan,” “projected,” “projection,” “will affect,” “will be,” “will continue,” “will decrease,” “will grow,” “will impact,” “will increase,” “will incur,” “will reduce,” “will remain,” “will result,” “would be,” variations of such words or phrases (including where the word “could,” “may,” or “would” is used rather than the word “will” in a phrase) and similar words and phrases indicating that the statement addresses some future result, occurrence, plan or objective. Forward-looking statements include all statements other than statements of historical fact, including forecasts or trends, and are based on current expectations, assumptions, estimates and projections about Prosperity Bancshares and its subsidiaries. These forward-looking statements may include information about Prosperity’s possible or assumed future economic performance or future results of operations, including future revenues, income, expenses, provision for credit losses, provision for taxes, effective tax rate, earnings per share and cash flows and Prosperity’s future capital expenditures and dividends, future financial condition and changes therein, including changes in Prosperity’s loan portfolio and allowance for credit losses, changes in deposits, borrowings and the investment securities portfolio, future capital structure or changes therein, as well as the plans and objectives of management for Prosperity’s future operations, future or proposed acquisitions, the future or expected effect of acquisitions on Prosperity’s operations, results of operations, financial condition, and future economic performance, statements about the anticipated benefits of any proposed transactions, and statements about the assumptions underlying any such statement. These forward-looking statements are not guarantees of future performance and are based on expectations and assumptions Prosperity currently believes to be valid. Because forward-looking statements relate to future results and occurrences, many of which are outside of Prosperity’s control, they are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict. These risks and uncertainties include, but are not limited to, whether Prosperity can: successfully identify acquisition targets and integrate the businesses of acquired companies and banks; continue to sustain its current internal growth rate or total growth rate; provide products and services that appeal to its customers; continue to have access to debt and equity capital markets; and achieve its sales objectives. Other risks include, but are not limited to: the possibility that credit quality could deteriorate; actions of competitors; changes in laws and regulations (including changes in governmental interpretations of regulations and changes in accounting standards); the possibility that the anticipated benefits of an acquisition transaction are not realized when expected or at all, including as a result of the impact of, or problems arising from, the integration of two companies or as a result of the strength of the economy and competitive factors generally; a deterioration or downgrade in the credit quality and credit agency ratings of the securities in Prosperity’s securities portfolio; customer and consumer demand, including customer and consumer response to marketing; effectiveness of spending, investments or programs; fluctuations in the cost and availability of supply chain resources; economic conditions, including currency rate, interest rate and commodity price fluctuations; changes in trade policies by the United States or other countries, such as tariffs or retaliatory tariffs; and the effect, impact, potential duration or other implications of weather and climate-related events. Prosperity disclaims any obligation to update such factors or to publicly announce the results of any revisions to any of the forward-looking statements included herein to reflect future events or developments. These and various other factors are discussed in Prosperity’s Annual Report on Form 10-K for the year ended December 31, 2025, and other reports and statements Prosperity has filed with the Securities and Exchange Commission (“SEC”). Copies of the SEC filings for Prosperity may be downloaded from the Internet at no charge from http://www.prosperitybankusa.com.
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Third Quarter Highlights•Net income of $141.5 million, or $200.8 million excluding merger related expenses and non-recurring items(1), representing an increase of 45.9% compared with third quarter 2025 •Earnings per share (diluted) of $1.18, or $1.67 excluding merger related expenses and non-recurring items(1), representing an increase of 15.2% compared with third quarter 2025•Third quarter net interest margin increased 26 basis points to 3.73% compared to second quarter 2026 and 49 basis points compared to third quarter 2025•Assets of $54.1 billion, total loans of $32.1 billion, and deposits of $41.2 billion at September 30, 2026•Common equity tier 1 ratio of 13.46% and leverage ratio of 9.85% at September 30, 2026•Sound asset quality with annualized net charge-offs / quarterly average loans of 0.05%•Nonperforming assets to average earnings assets remain low at 0.41%•Allowance for credit losses on loans and off-balance sheet credit exposures of $629.6 million and allowance for credit losses on loans to total loans, excluding Warehouse Purchase Program, of 1.91%•Increased cash dividend 6.7% to $0.64 per share for the fourth quarter of 2026, representing the 23rdconsecutive annual increase with a compound annual growth rate of 10.4% since 2003•Repurchased approximately 457 thousand shares of common stock in the third quarter 2026, and 1.5 million shares for the year to date ended on September 30, 2026•Completed the merger of Stellar Bancorp, Inc. on July 1, 2026•Successfully completed the operational integration for American Bank on September 14, 20263Source: Company DocumentsI1) Adjusted net income and earnings per share exclude merger related expenses, a one-time out of state tax settlement, and gain on Visa Class B-2 stock exchange net of investment securities sales
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Strong Presence in Texas and Oklahoma (1) Per FDIC; Includes Texas headquartered commercial banks; Shown pro-forma for the recently completed acquisitions of American Bank Holding Company and Southwest Bancshares, Inc.; Deposits as of 6/30/2026(2) Per proxy statement (Form DEF 14A) filed on 3/16/2026(3) Includes 11 locations doing business as Texas Partners Bank and 52 doing business as Stellar Bank4352 Full-Service Locations(3)15 in Bryan/College Station Area6 in Central Oklahoma Area30 in Central Texas Area61 in Dallas/Fort Worth Area20 in East Texas Area113 in Houston Area14 In San Antonio Area40 in South Texas Area8 in Tulsa Area45 in West Texas Area •A Texas-based financial holding company with $54.1 billion in total assets•Prosperity has been ranked as one of Forbes America’s Best Banks since the list’s inception in 2010, and was ranked in the Top 10 for 14 consecutive years•Recognized by Newsweek as one of America’s Best Regional Banks in 2026•Ranked #2 in deposit market share in Texas (1)•Texas and Oklahoma continue to benefit from strong economies, and are home to 62 Fortune 500 headquartered companies•Shareholder driven with 4.0% fully diluted insider ownership(2)•Successful completion of 48 acquisitions (whole bank, branch and failed bank transactions)
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Assets Deposits Total Loans Equity Balance Sheet Summary Source: Company Documents(1) Represents the Compound Annual Growth Rate from 12/31/2015 – 12/31/20255 Data as of 09/30/2026Loans $32.1 BnDeposits $41.2 BnAssets $54.1 Bn10 Year CAGR (1)Loans 8.7%Deposits 4.9%Assets 5.7%
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Net Income Net Income (Excluding Purchase Accounting Adjustments)Net Income (Excluding Non-Recurring Charges) Net Income (Excluding PAA and Non-Recurring Charges) Net Income Source: Company Documents(1) Excludes after-tax merger related provision and expenses related to recent acquisitions, one-time out of state tax settlement, gain on Visa Class B-1 and B-2 stock exchanges, net of investment securities sales and FDIC special assessments6 (1)(1)Note: Net income includes the following ($ in thousands)Provisionfor Credit$7,560 $24,000 $14,325 $16,350 $4,300 $20,000 - - $18,540 $9,066 - — —LossesLoanDiscount$52,122 $38,970 $21,906 $13,909 $28,045 $91,341 $39,278 $7,401 $5,566 $17,490 $12,402 $4,005 $11,633Accretion
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EPS Core EPS (Excluding Purchase Accounting Adjustments)EPS (Excluding Non-Recurring Charges) Core EPS (Excluding PAA and Non-Recurring Charges) Earnings Per Share 7 (1)(1)Source: Company Documents(1) Excludes after-tax merger related provision and expenses related to recent acquisitions, one-time out of state tax settlement, gain on Visa Class B-1 and B-2 stock exchanges, net of investment securities sales and FDIC special assessmentsNote: Net income includes the following ($ in thousands)Provisionfor Credit$7,560 $24,000 $14,325 $16,350 $4,300 $20,000 - - $18,540 $9,066 - — —LossesLoanDiscount$52,122 $38,970 $21,906 $13,909 $28,045 $91,341 $39,278 $7,401 $5,566 $17,490 $12,402 $4,005 $11,633Accretion
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Net Interest Margin Source: Company Documents8Net Interest Margin (Tax Equivalent) Net Interest Margin (Excluding Purchase Accounting Adjustments)
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Acquisitions & Efficiency Ratio Source: Company Documents(1) Representative of target assets at closing (2) Calculated by dividing total noninterest expense, excluding credit loss provisions, by net interest income plus noninterest income, excluding net gains and losses on the sale or write down of assets and securities. Additionally, taxes are not part of this calculation.(3) Excludes after-tax merger related provision and expenses related to recent acquisitions, one-time out of state tax settlement, gain on Visa Class B-1 and B-2 stock exchanges, net of investment securities sales and FDIC special assessments9 ($’s in millions) Total Assets Excluding AcquisitionsTotal Assets Acquired (1)Efficiency Ratio(2)Efficiency Ratio (Excluding Non-Recurring Charges)(3) % of AssetsAcquired0.0%2.5%0.0%0.0%31.3%0.0%0.0%0.0%5.5%3.5%0.0%0.0%19.2%
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(1) Interim periods shown on an annualized basis(2) Excludes after-tax merger related provision and expenses related to recent acquisitions, one-time out of state tax settlement, gain on Visa Class B-1 and B-2 stock exchanges, net of investment securities sales and FDIC special assessments Return on Average Tangible Common Equity 10 (1)(1)ROATCE Tangible Common EquityROATCE (Excluding Non-Recurring Charges)(2)
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(1) Interim periods shown on an annualized basis(2) Excludes after-tax merger related provision and expenses related to recent acquisitions, one-time out of state tax settlement, gain on Visa Class B-1 and B-2 stock exchanges, net of investment securities sales and FDIC special assessments Return on Average Assets 11 (1) (1)ROAAROAA (Excluding Non-Recurring Charges)(2)
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Source: Company Documents(1) Data for the three months ended September 30, 2026 Deposit Composition 12 Total Deposits: $41.2BnTotal Cost of Deposits: 1.39% (1) As of September 30, 2026($ in millions) Cost of Interest-Bearing Deposits: 2.09% (1) Noninterest-Bearing Demand $13,841 0.00%Interest-Bearing Demand $8,111 1.40%Money Market & Savings $13,500 2.06%CDs & Other Time $5,779 3.10%
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Source: Company Documents Loan Growth 13Loans (Excluding Warehouse Purchase Program) Loan / Deposit Ratio (Excluding WPP)Warehouse Purchase Program (WPP) Loan / Deposit Ratio (Including WPP)
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Loan Portfolio Overview 14Source: Company Documents(1) Data for the three months ended September 30, 2026(2) Excludes $110 million in loans assigned to the Corporate Group(3) Core yield excludes purchase accounting adjustments(4) Excludes Warehouse Purchase Program (WPP) loans As of September 30, 2026($ in millions)Loan Portfolio by Category & GeographyLoans by Rate Structure Loans HFI (Excl. WPP): $30.9BnYield on Total Loans: 6.08% (1)~3.2yrAvg. LifeCore Yield on Loans HFI (Excl. WPP): 6.01% (1)(3)Total Loans: $32.1BnYield on Loans HFI (Excl. WPP): 6.09% (1)Loans By AreaAmount(2)(4)% of TotalBryan / College Station$9863.2%Central Oklahoma$6062.0%Central Texas$3,10210.1%Dallas / Ft. Worth$6,30720.5%East Texas$7962.6%Houston$11,89338.6%San Antonio$1,8606.0%South Texas$2,3677.7%Tulsa$5121.7%West Texas$2,3667.7%
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R.E. & Const. $1,251 30%Financial Services $714 17%Manuf. / Indust. $606 15%Retail $581 14%Medical $239 6%Transportation $228 5%Other $537 13% Loan Portfolio Detail 15Source: Company Documents(1) Includes State & Political loans(2) Total includes a net unaccreted discount of $4.8 million not shown in graph Portfolio CommentaryC&I Detail (Excluding Energy Loans)($ in millions)Construction Detail($ in millions)Commercial Real Estate Detail($ in millions)$10,700mmTotal$4,252mmTotal(2) As of September 30, 2026($ in millions)•Loan portfolio is diversified across the Bank’s market areas and by underlying collateral type •CRE and construction loans conservatively underwritten to cost of collateral•41% of commercial real estate is owner occupied$4,160mmTotal(1)Note: Average CRE loan balance outstanding equal to $1.2 millionRetail $2,454 23%Other $2,386 22%Office $1,877 18%Industrial $1,752 16%Multifamily (MF) $1,096 10%Hotels $602 6%Medical $533 5%Lots & Land Dev. $900 21%Single Family (SF) $871 20%Multifamily (MF) $863 20%Other $751 18%Raw Land $415 10%Retail $278 7%Office $131 3%Medical $31 1%Hotels $13 0%
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Changes to Allowance for Credit Losses1.61% ACL to Total Loans (1) 16(1) Excludes Warehouse Purchase Program (WPP) loans 1.91% ACL to Total Loans (1)Allowance for Credit LossesAllowance forUnfunded Commitments (Other Liabilities)Allowance for Credit LossesAllowance forUnfunded Commitments (Other Liabilities) ($ in millions)$420.5 million $629.6 millionTotal Allowance for Credit Losses and Unfunded CommitmentsNet charge-offs($1.7) million related to resolved PCD loans with specific reservesIncrease in allowance for Purchased Seasoned Loans (“PSLs”) of $67.4 million (goodwill)Net increase reserve related to changes in macro-economic conditions, qualitative economic outlook, outstanding balances and historical loss ratesIncrease in allowance for PCD loans related to recent acquisition of $146.1 million (goodwill)($7.6) million released related to resolved PCD loans without any charge offs during the quarter($1.1) million released related to PCD loans with charge offs during the quarter
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Source: Company Documents & Uniform Bank Performance ReportNote: NPAs include loans past due 90 days and still accruing(1) UBPR = Uniform Bank Performance Report; Peer Group 2 (110 banks) – Insured commercial banks having assets between $10 billion and $100 billion Asset QualityNPAs / Loans + OREO 17UBPR Peer Group (1)Prosperity Bank
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Non-Acquired Loan Charge-OffsAcquired Loan Charge-Offs Pre-CECLAcquired Loan Charge-Offs Post-CECLNet PCD Recoveries Post-CECLSource: Company Documents & Uniform Bank Performance ReportNote: NPAs include loans past due 90 days and still accruing(1) UBPR = Uniform Bank Performance Report; Peer Group 2 (110 banks) – Insured commercial banks having assets between $10 billion and $100 billion(2) Interim period net charge-off ratios shown on an annualized basis(3) Reflects all charge-offs and recoveries on acquired loans in accordance with CECL accounting practices; Prior to the adoption of CECL in the first quarter of 2020, PCD loans were classified as Purchased Credit Impaired (PCI) loans and their assigned fair-value marks were netted against the outstanding loan balance with a charge-off only being recorded when the loss exceeded the amount of fair-value marks remaining. Asset QualityNet Charge-Offs / Average Loans 18($ in millions)Net Charge-Offs(2)(2)(3) Net PCD RecoveriesUBPR Peer Group (1)Prosperity Bank(3)
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Source: Company Documents(1) Data for the three months ended September 30, 2026(2) Modified duration shown; Weighted average life equal to 4.7 years Securities Portfolio Detail 19 Total Securities: $13.6BnYield on Securities: 2.92% (1)Duration: 3.86 (2)Avg. Yearly Cash Flow: ~$2.2Bn96.3% Held to Maturity3.7% Available for Sale As of September 30, 2026($ in millions) $mmMortgage-Backed Securities $12,549Collateralized Mortgage Obligations $833States & Political Subdivisions $179Other Securities $79U.S. Government Agency Securities $2
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02505007501,0001,2501,5001,7502,0002,2502,500 11/12/98 11/12/01 11/12/04 11/12/07 11/12/10 11/12/13 11/12/16 11/12/19 11/12/22 11/12/25PB (+1,813.4%)S&P 500 (+1,032.1%)NASDAQ BANK (+180.2%)Source: Market data as of 9/30/2026.20 $100,000 invested in Prosperity’s IPO on 11/12/98 was worth $1,913,357 on 9/30/26Total Return PerformanceIPO (November 12, 1998) to September 30, 2026
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(a) 2026 dividend consists of $0.60 per share paid in Q1 2026, 2Q 2026, 3Q 2026 and $0.64 per share declared in 4Q 2026 Dividend History 21 (a) (Declared)
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Prosperity Proj. PopulationProsperity DepositsGrowth (2027-2032)# Metropolitan Statistical Area Presence ($mm) (%)1. Austin-Round Rock-San Marcos, TX$2,012 8.0%2. Raleigh-Cary, NC 7.9%3. Charlotte-Concord-Gastonia, NC-SC 6.9%4. Houston-Pasadena-The Woodlands, TX$11,814 6.8%5. Jacksonville, FL 6.7%6. Greenville-Anderson-Greer, SC 6.3%7. San Antonio-New Braunfels, TX$2,365 6.3%8. Dallas-Fort Worth-Arlington, TX$6,196 6.3%9. Orlando-Kissimmee-Sanford, FL 6.1%10. Nashville-Davidson--Murfreesboro--Franklin, TN 5.8%11. Phoenix-Mesa-Chandler, AZ 4.5%12. Richmond, VA 4.2%13. Tampa-St. Petersburg-Clearwater, FL 4.0%14. Atlanta-Sandy Springs-Roswell, GA 3.9%15. Las Vegas-Henderson-North Las Vegas, NV 3.8% Presence in Fast-Growing Markets•Texas led all states for job creation, adding 154,300 jobs over the 12 months ended September 2026, an annual growth rate of 1.1% that outpaced the national rate of 0.3%•Texas ranked second in Area Development’s 2026 Top States for Doing Business•Employment in the Professional & Business Services sector increased 3.3% year-over-year as of September 2026, as compared to the national growth rate of 0.6%22Source: S&P Global, Office of the Texas Governor, U.S. Bureau of Labor Statistics, Area Development, Oklahoma State Treasurer.Note: Prosperity is shown pro forma for its recently closed acquisition of Stellar Bancorp, Inc.(1) Includes MSAs with greater than one million in total population. Deposit data as of 6/30/2026. Positioned in Strong Markets Top 15 Fastest Growing MSAs in the U.S. (1) Oklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma CityOklahoma City TulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsaTulsa •Presence in four of the fastest growing MSAs in the United StatesOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaOdessaAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneAbileneFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthFort WorthAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinAustinMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandMidlandSan AntonioSan AntonioSan AntonioSan AntonioSan AntonioSan AntonioSan AntonioSan AntonioSan AntonioSan AntonioSan AntonioSan AntonioSan AntonioSan AntonioSan AntonioSan AntonioSan AntonioSan AntonioSan AntonioSan AntonioSan 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ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiCorpus ChristiLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockLubbockFort WorthFort Worth•Oklahoma’s annual state revenue for the 12 months ended September 2026 reached a record $18.18 billion, up 7.1% year-over-year and marking thirteen consecutive months of growth•As of September 2026, employment in the Education & Health services sector was up 3.1% year-over-year, as compared to national levels of 1.9%
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LouisianaBristow Group, Inc. (BRS)Engaged Media Studios, Inc. (EMS)EPL Oil & Gas, Inc.Fluence AnalyticsNGC TransmissionRepublic FinanceArkansasGolden LivingMurphy Oil Corporation (MUR)US Rare Earths Inc. (UREE)AlabamaTorchmark Corporation (TMK)Zoes Kitchen (ZOES)GeorgiaCharterUPCyntech Technologies (CYNT)NYLO HotelsFloridaCCS Medical DreamVisionFirehawk AerospaceiWorld Projects & Systems, Inc. (IWPS)LikewizeOptymPGA of AmericaPuget Technologies, Inc. (PUGE)QSAM BiosciencesSoftServeNorth CarolinaDex Media (DXM)Washington D.C.EF Johnson Technologies, Inc.MassachusettsCimage NovasoftCircor Energy (CIR)Invensys Process SystemsLiberty MutualNTT Data Inc. (TYO.9613)Psychemedics Corporation (PMD)RaytheonVCE Corp.ConnecticutAccudyne IndustriesFrontier Communications (FYBR)iCall Inc.TradeCapture Inc.New JerseyAmeriflexCrestron ElectronicsCVE TechnologyHoneywell PMTSamsung Electronics AmericaMaryland5G LLCBroadwing Corp.Geico Insurance DivisionHanger Inc. (HGR)TucciPoloPennsylvaniaArchaea EnergyATI Inc.Big Brothers Big SistersCDI EngineeringHyliionLinn Energy, LLC (LINE)MPOWER MobileUnion Drilling, Inc.MichiganCambium Learning (ABCD)Comerica (CMA)New YorkAlkegenAmerican Locker Group Inc. (ALGI)Banorte-Ixe Securities International, LTDBucha BioDarkPulseDataTreasury CorpFiesta Restaurant Group (FRGI)Greatbatch (GB)HMS Holdings (HMSY)JP Morgan (6,000 workers)Signature Systems GroupSI GroupSix Flags Entertainment (SIX)Visionworks of AmericaOhioCovington Group, Inc.CyrusOne (CONE)Robbins & MyersVictory CapitalMissouriEmerson Process ManagementKupper Parker Comm.PotentiaMetricsUlrich medical USA, Inc.TennesseeElite Data Services, Inc. (DEAC)Forward Air Corp. (FWRD)Miller Energy Resources, Inc. CaliforniaAatonomyAccentCareActive NetworksAECOMAEND Industries, Inc.Allied Electronic RecyclingALL-Q-TELL Corp.AllyMe Group, Inc.Amazing MagnetsAmeriflight LLCAnything Liquid ManufacturingAviat Networks, Inc.AviatrixBanker’s Toolbox, Inc.Boingo WirelessBorland Software CorporationBoring Co.Cacique FoodsCaliber Collision CentersCalpineCCRA Travel SolutionsCelliPont BioscienceChannell Commercial Corp.Charles SchwabChevronCompassLearningConsolidated Electrical DistributorsCopart (CPRT)Core-MarkDaegis, Inc. (DAEG)DASAN Zhone Solutions, Inc.DBGDigital RealtyDimensional Fund AdvisorsDMX MUSIC, Inc.DynaPump, Inc.EDM LaboratoriesEpicore Software CorporationFarmer Brothers (FARM)Farmer Veteran CoalitionFinical, Inc.Firefly Space SystemsFirst Foundation, Inc.Fluor Corporation (FLR)FonalityFreebirds World BurritoGlenmount Global SolutionsGoodguys Rod & Custom AssociationGraze, Inc. (GRAZ)Green DotHarmonateHBCU HUBHewlett Packard EnterpriseHID GlobalInbentaIntegrated Defense Products (IDP)Ironclad Performance Wear Corp.Jacobs EngineeringJamba Juice CompanyKelly-Moore PaintsKubotaLandsea Homes CorporationLiberty Fitness Holdings, LLCLoanDepot, LLCM2M Certified, Inc.Marco Fine ArtsMC Endeavors, Inc. (MSMY)McKesson Corp (MCK)MDB CapitalMitratechMonkey Sports Inc.MVTransportationNoodoe EVObagi CosmeceuticalsOccidental Petroleum (OXY)OmniTracsOracle CorporationOriginClear, Inc. Pacific Union FinancialPain Therapeutics (PTIE)Primoris Services Corporation (PRIM)Quality Custom Distribution Services, Inc.QuestionPro Inc.R2SonicRed Mango, Inc.Review WaveRevionics, Inc.Rifle GearRight On Brands, Inc.Ruiz FoodsSanyo EnergySionix Corp. (SINX)Solera Holdings (SLH)Sovereign FlavorsSpaceXSuperconductor Technologies (SCON)Telmar Network Technology, Inc. Tenet Healthcare (THC)Tesla, Inc. (TSLA)The Allen Group, Inc.ThermasolThermomixToyota USA (TM)Trend Micro (TYO.4704)Vendor Resource ManagementVermillion, Inc. (VRML)Visual NumericsWaste Connections, Inc. (WCN)WebsenseX Corp.Xeris Pharmaceuticals WashingtonFisher InvestmentsLifeLast, Inc.National Scooter Co.Prometheus Energy CompanyRAW Capital Home BuyersNevadaCoreSpaceEnviroSafe Demil LLCInvoice Home Inc.ColoradoCagney Global LogisticsGlobal Clean Energy, Inc. (GCEI)Heartland Oil & Gas Corp.Magpul IndustriesPar Petroleum Corporation (PARR)QuovadxSun River Energy, Inc. (SNRV)ArizonaEoS FitnessQuest Resource Holdings Corp. (QRHC)Strategic Armory Corps (SAC)OklahomaCasedhole Solutions , Inc.CITGO Petroleum CorpGlobal Power Equipment GroupHilti North AmericaLinkAmericaNATCO Group, Inc.Petrohawk Energy CorpRing Energy, Inc. (REI)SolarWinds (SWI)StadiumDropTrinity Hospice Inc.Devon EnergyKansasAlco Stores (ALCS)Enerlex Resources, Inc.Layne Christensen Co.(LAYN)Lulu’s Dessert CorpNebraskaHeartland Automotive ServicesMontanaViZnMinnesotaAmerican Environmental Energy, Inc. (AEEI)EmpowerMXEnerlex Resources, Inc.LecTec Corp.MoneyGram (MGI)Ottobock HealthcareResideo Technologies Inc.Speed CommerceWestwoodCanadaAbsolute Software (ABT)Bio-Solutions Corp (BISU)Direct EnergyMitel Corp (MITL)MoneyGram (MGI)QI Systems Inc. Speed CommerceSelect Corporate Relocations to Texas (2004 – Present) 23 VirginiaCapital One Corporate Relocations to TexasOregonCrowdstreet, Inc.Q5iDSocati Corp.MississippiElite Advanced Polymers IllinoisBL Restaurant GroupBoeing (Global Services Business)CaterpillarEleikoExtenet SystemsFerris ManufacturingGreat Lakes Dredge & Dock CorporationMedMark Services, Inc.Monolith Technology Hldgs, LLCNeovia LogisticsNYSE ChicagoParus Interactive, Inc.RMG Networks (RMGN)Schumacher ElectricSolarBridge Technologies, Inc.State FarmTop Golf Source: Office of the Texas Governor.KentuckyKFC
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•The Houston MSA is the 5thlargest in the United States by population with over 8.0 million residents– Population is expected to grow 6.8% from 2027 – 2032 (compared to the 2.2% projected growth for the U.S.)– Current Median Household Income is $90k (in line with $88k for the U.S.)•As of August 2026, employment in Houston has increased 2.6% YoY in the professional & business services sector, compared to the nationwide increase of 0.6%•As of August 2026, employment in Houston has increased 4.2% YoY in the mining, logging & construction sector, compared to the nationwide increase of 1.1%•Eli Lilly broke ground in September 2026 on a $6.5 billion pharmaceutical manufacturing facility in Houston, expected to create more than 600 jobs24Source: Bureau of Labor Statistics, Office of the Texas Governor.Note: References to Houston refer to the Houston – Pasadena – The Woodlands metropolitan statistical area. Houston Market HighlightsHouston Market Highlights Houston Franchise Select Fortune 500 Companies
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•The Dallas/Ft. Worth MSA is the 4th largest in the United States by population with approximately 8.6 million residents– Population is expected to grow 6.3% from 2027 – 2032 (compared to the 2.2% projected growth for the U.S.)– Median Household Income is expected to grow to $115k by 2032 (compared to $100k for the U.S.)•As of August 2026, Dallas employment stood 14.6% above pre-pandemic levels—more than three times the nationwide increase of 4.5%•Dallas-Fort Worth ranked No. 7 among U.S. metros in Site Selection’s 2026 Global Groundwork Index, which evaluates corporate facility investment, associated job creation and infrastructure investment Select Fortune 500 Companies25Source: Bureau of Labor Statistics, Site Selection, Federal Reserve Bank of Dallas.Note: References to Dallas refer to the Dallas – Fort Worth – Arlington metropolitan statistical area. Market Highlights Dallas / Ft. Worth FranchiseDallas/Ft. Worth Market HighlightsDallasArlingtonFort WorthIrvingGarland
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Market Highlights Source: Bureau of Labor Statistics, U.S. Census Bureau, Office of the Texas Governor.Note: References to Austin refer to the Austin – Round Rock – San Marcos metropolitan statistical area.26 Austin Market HighlightsAustin Franchise Select Fortune 500 Companies Round RockAustinSan Antonio •The Austin MSA is the 25thlargest in the United States by population with over 2.6 million residents– Population is expected to grow 8.0% from 2027 – 2032 (compared to the 2.2% projected growth for the U.S.)– Median Household Income is expected to grow to $127k by 2032 (compared to $100k for the U.S.)•Austin nonfarm employment grew 1.2% year over year in August 2026—four times the national growth rate of 0.3%—adding 16,200 jobs. In the same period, the financial activities sector in Austin increased 2.1%, compared to the nationwide decrease of 1.1%•In October 2026, Blue Origin announced a $555 million advanced manufacturing campus in Hutto that is expected to create more than 2,000 jobs
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Contact Information 27 Corporate HeadquartersInvestor ContactsProsperity Bank Plaza4295 San FelipeHouston Texas 77027281-269-7199 TelephoneDavid ZalmanSenior Chairman & CEOdavid.zalman@prosperitybankusa.comCullen ZalmanSEVP – Banking & Corporate Activitiescullen.zalman@prosperitybankusa.com