PROSPERITY BANCSHARES, INC.® REPORTS SECOND QUARTER 2025 EARNINGS

— Second quarter earnings per share (diluted) of $1.42, an increase of 21.4% compared to second quarter 2024

— Second quarter net income increased 21.1% to $135.2 million compared to second quarter 2024

— Second quarter net interest margin increased 24 basis points to 3.18% compared to second quarter 2024

— Loans increased $219.8 million during second quarter 2025

— Noninterest-bearing deposits of $9.4 billion, representing 34.3% of total deposits

— Allowance for credit losses on loans and on off-balance sheet credit exposure of $383.7 million and allowance for credit losses on loans to total loans, excluding Warehouse Purchase Program, of 1.66%(1)

— Nonperforming assets remain low at 0.33% of second quarter average interest-earning assets

— Return (annualized) on second quarter average assets of 1.41% and average tangible common equity of 13.44%(1)

— Announced the signing of a definitive merger agreement with American Bank Holding Corporation headquartered in Corpus Christi, Texas

Prosperity Bancshares, Inc.® (NYSE: PB) (“Prosperity Bancshares”), the parent company of Prosperity Bank® (collectively, “Prosperity”), reported net income of $135.2 million for the quarter ended June30, 2025 compared with $111.6 million for the same period in 2024. Net income per diluted common share was $1.42 for the quarter ended June30, 2025 compared with $1.17 for the same period in 2024. The annualized return on second quarter average assets was 1.41%. Additionally, loans increased $219.8million during the second quarter of 2025. Nonperforming assets remain low at 0.33% of second quarter average interest-earning assets.

“I am excited to share that our bank continues to grow, with double digit increases in net income and earnings per share compared with the second quarter of 2024.Our net interest margin also improved to 3.28%, a 24 basis point increase compared with the second quarter of 2024 as our interest-bearing assets continue to reprice. Loans grew $219.8 million during the second quarter of 2025, and we continue to see cautious enthusiasm from our customers. As mentioned in my previous comments, these are the results we expected, and these tailwinds should continue to be positive over the next 12 and 24 months,” said David Zalman, Prosperity's Senior Chairman and Chief Executive Officer.

“I am proud to announce that we entered into a definitive agreement with American Bank Holding Company in Corpus Christi to merge.We have followed American Bank closely for more than two decades and have tremendous respect for the bank and for the people that have contributed to its success. Our banks have a complementary footprint, and we are familiar with and remain committed to the communities that American Bank serves, including with both financial products and community support. This combination will strengthen our presence and operations in South Texas and surrounding areas and enhances our presence in Central Texas, including in San Antonio, a highly desirable, high growth area,” stated Zalman.

“Texas and Oklahoma continue to shine as more people and companies move to the states because of the business-friendly political structure and no state income tax. Texas was recently rated as the second-best state for business in 2025 by CNBC,” continued Zalman.

“Thank you to our customers, shareholders and associates that make all of this possible,” concluded Zalman.

Results of Operations for the Three Months Ended June30, 2025

Net income was $135.2 million(2) for the three months ended June30, 2025 compared with $111.6 million(3) for the same period in 2024, an increase of $23.6 million or 21.1%. Net income per diluted common share was $1.42 for the three months ended June30, 2025 compared with $1.17 for the same period in 2024, an increase of 21.4%. The changes were primarily due to an increase in net interest income, a decrease in merger related provision and expenses and lower regulatory assessments and FDIC insurance, partially offset by a decrease in net gain on sale or write-up of securities. On a linked quarter basis, net income was $135.2 million(2) for the three months ended June30, 2025 compared with $130.2 million(4) for the three months ended March31, 2025, an increase of $4.9 million or 3.8%. Net income per diluted common share was $1.42 for the three months ended June30, 2025 compared with $1.37 for the three months ended March31, 2025. The change was primarily due to an increase in net interest income and a decrease in salaries and benefits. Annualized returns on average assets, average common equity and average tangible common equity for the three months ended June30, 2025 were 1.41%, 7.13% and 13.44%(1), respectively. Prosperity's efficiency ratio (excluding net gains and losses on the sale, write-down or write-up of assets and securities) was 44.80%(1) for the three months ended June30, 2025.

Net interest income before provision for credit losses was $267.7 million for the three months ended June30, 2025 compared with $258.8 million for the same period in 2024, an increase of $8.9 million or 3.5%. The change was primarily due to a decrease in the average balances and average rates on other borrowings and a decrease in the average rates on interest-bearing deposits, partially offset by a decrease in the average rates on loans, a decrease in the average balances on investment securities and a decrease in the average balances and average rates on federal funds sold and other earning assets. Net interest income before provision for credit losses increased $2.3 million to $267.7 million for the three months ended June30, 2025 compared with $265.4 million for the three months ended March31, 2025.

The net interest margin on a tax equivalent basis was 3.18% for the three months ended June30, 2025 compared with 2.94% for the same period in 2024. The change was primarily due to a decrease in the average balances and average rates on other borrowings and a decrease in the average rates on interest-bearing deposits, partially offset by a decrease in the average rates on loans and a decrease in the average balances on investment securities. The net interest margin on a tax equivalent basis was 3.18% for the three months ended June30, 2025 compared with 3.14% for the three months ended March31, 2025.

Noninterest income was $43.0 million for the three months ended June30, 2025 compared with $46.0 million for the same period in 2024, a decrease of $3.0 million or 6.6%.The change was primarily due to a decrease in net gain on sale or write-down of securities, partially offset by an increase in other noninterest income, increase in service charges on deposit accounts and a higher net gain on sale or write-down of assets. Noninterest income was $43.0 million for the three months ended June30, 2025 compared with $41.3 million for the three months ended March31, 2025, an increase of $1.7 million or 4.1%.

Noninterest expense was $138.6 million for the three months ended June30, 2025 compared with $152.8 million for the same period in 2024, a decrease of $14.3 million or 9.3%. The change was primarily due to decreases in regulatory assessment and FDIC insurance, merger related expenses, salaries and benefits and other noninterest expense, which were higher in the second quarter of 2024 due to the merger of Lone Star State Bancshares, Inc. with Prosperity Bancshares and the merger of Lone Star State Bank of West Texas with Prosperity Bank, both effective on April 1, 2024 (collectively, the “Lone Star Merger”). Noninterest expense was $138.6 million for the three months ended June30, 2025 compared with $140.3 million for the three months ended March31, 2025, a decrease of $1.7 million or 1.2%.

Results of Operations for the Six Months Ended June30, 2025

For the six months ended June30, 2025, net income was $265.4 million(5) compared with $222.0 million(6) for the same period in 2024, an increase of $43.4 million or 19.5%. Net income per diluted common share was $2.79 for the six months ended June30, 2025 compared with $2.34 for the same period in 2024, an increase of 19.2%. The changes were primarily due to an increase in net interest income, lower merger related provision and expenses, and lower regulatory assessments and FDIC insurance, partially offset by a decrease on net gain on sale or write-up of securities. Returns on average assets, average common equity and average tangible common equity for the six months ended June30, 2025 were 1.37%, 7.03% and 13.33%(1), respectively.

Net interest income before provision for credit losses for the six months ended June 30, 2025 was $533.1 million compared with $497.0 million for the same period in 2024, an increase of $36.1 million or 7.3%. The change was primarily due to a decrease in the average balances and average rates on other borrowings, a decrease in the average rates on interest-bearing deposits and an increase in the average balances on loans, partially offset by a decrease in the average balances on investment securities.

The net interest margin on a tax equivalent basis for the six months ended June30, 2025 was 3.16% compared with 2.87% for the same period in 2024. The change was primarily due to a decrease in the average balances and average rates on other borrowings, a decrease in the average rates on interest-bearing deposits, partially offset by a decrease in the average balances on investment securities.

Noninterest income was $84.3 million for the six months ended June30, 2025 compared with $84.9 million for the same period in 2024, a decrease of $590 thousand or0.7%.

Noninterest expense was $278.9 million for the six months ended June 30, 2025 compared with $288.7 million for the same period in 2024, a decrease of $9.8 million or 3.4%, primarily due to decreases in regulatory assessment andFDIC insurance, merger related expenses and other noninterest expense.

Balance Sheet Information

Prosperity had $38.417 billion in total assets at June30, 2025 compared with $39.762 billion at June30, 2024 and $38.765 billion at March31, 2025.

Loans were $22.197 billion at June30, 2025, a decrease of $123.4 million, compared with $22.321 billion at June30, 2024. Linked quarter loans increased $219.8 million or 1.0% (4.0% annualized) from $21.978 billion at March31, 2025.

Loans, excluding Warehouse Purchase Program loans, were $20.910 billion at June30, 2025 compared with $21.239 billion at June30, 2024, a decrease of $329.5million or 1.6%, and compared with $20.920billion at March31, 2025, a decrease of $9.7million.

Deposits were $27.473 billion at June30, 2025, a decrease of $459.7 million or 1.6%, compared with $27.933 billion at June30, 2024. Linked quarter deposits decreased $553.4 million or 2.0% from $28.027 billion at March31, 2025, primarily due to a decrease in public fund deposits and business deposits. Prosperity generally experiences seasonality with its public fund deposits, as public fund customers use the tax dollars they receive in December and January throughout the year, resulting in lower deposit balances in the second and third quarters of the year.

The table below provides detail on the impact of loans acquired and deposits assumed in the Lone Star Merger:

Balance Sheet Data (at period end)(In thousands) Jun 30, 2025 Mar 31, 2025 Dec 31, 2024 Sep 30, 2024 Jun 30, 2024 (Unaudited) (Unaudited) (Unaudited) (Unaudited) (Unaudited)Loans acquired (including new production since acquisition date):Lone Star Bank $ 905,610 $ 976,624 $ 1,057,618 $ 1,109,783 $ 1,084,559Prosperity BankWarehouse Purchase Program loans 1,287,440 1,057,893 1,080,903 1,228,706 1,081,403All other loans 20,004,338 19,943,053 20,010,688 20,042,363 20,154,853Total loans $ 22,197,388 $ 21,977,570 $ 22,149,209 $ 22,380,852 $ 22,320,815Deposits assumed (including new deposits since acquisition date):Lone Star Bank $ 940,726 $ 983,280 $ 1,093,536 $ 1,136,216 $ 1,187,821All other deposits 26,532,685 27,043,519 27,287,802 26,951,395 26,745,265Total deposits $ 27,473,411 $ 28,026,799 $ 28,381,338 $ 28,087,611 $ 27,933,086

Excluding loans acquired in the Lone Star Merger and new production at the acquired banking centers since April 1, 2024, loans at June30, 2025 increased $55.5 million compared with June30, 2024 and increased $290.8 million compared with March31, 2025.

Excluding deposits assumed in the Lone Star Merger and new deposits generated at the acquired banking centers since April 1, 2024, deposits at June30, 2025 decreased by $212.6 million compared with June30, 2024 and decreased by $510.8million compared with March31, 2025.

Asset Quality

Nonperforming assets totaled $110.5 million or 0.33% of quarterly average interest-earning assets at June30, 2025 compared with $89.6 million or 0.25% of quarterly average interest-earning assets at June30, 2024 and $81.4 million or 0.24% of quarterly average interest-earning assets at March31, 2025.

The allowance for credit losses on loans and off-balance sheet credit exposures was $383.7 million at June30, 2025 compared with $397.5 million at June30, 2024 and $386.7 million at March31, 2025. There was no provision for credit losses for the three and six months ended June30, 2025 compared to $9.1million provision for credit losses for the three and six months ended June30, 2024.

The allowance for credit losses on loans was $346.1 million or 1.56% of total loans at June30, 2025 compared with $359.9 million or 1.61% of total loans at June30, 2024 and $349.1 million or 1.59% of total loans at March31, 2025. Excluding Warehouse Purchase Program loans, the allowance for credit losses on loans to total loans was 1.66%(1) at June30, 2025 compared with 1.69%(1) at June30, 2024 and 1.67%(1) at March31, 2025.

Net charge-offs were $3.0 million for the three months ended June30, 2025 compared with net charge-offs of $4.4 million for the three months ended June30, 2024 and net charge-offs of $2.7 million for the three months ended March31, 2025. For the second quarter of 2025, $2.1million of reserves on resolved purchased credit deteriorated (“PCD”) loans without any related charge-offs were released to the general reserve.

Net charge-offs were $5.7 million for the six months ended June 30, 2025 compared with net charge-offs of $6.5 million for the six months ended June 30, 2024. For the six months ended June 30, 2025, $10.4 million of reserves on resolved PCD loans without any related charge-offs were released to the general reserve.

Dividend

Prosperity Bancshares declared a third quarter 2025 cash dividend of $0.58 per share to be paid on October1, 2025, to all shareholders of record as of September 15, 2025.

Agreement to Acquire American Bank Holding Corporation

On July 18, 2025, Prosperity Bancshares and American Bank Holding Corporation (“American”) jointly announced the signing of a definitive merger agreement (the “Merger Agreement”) whereby American, a Texas corporation and bank holding company of American Bank, N.A. (“American Bank”), will merge with and into Prosperity Bancshares and American Bank will merge with and into Prosperity Bank. American Bank operates 18 banking offices and 2 loan production offices in South and Central Texas including its main office in Corpus Christi, and banking offices in San Antonio, Austin, Victoria and the greater Corpus Christi area including Port Aransas and Rockport and a loan production office in Houston, Texas. As of March 31, 2025, American, on a consolidated basis, reported total assets of $2.517 billion, total loans of $1.752 billion and total deposits of $2.270 billion.

Under the terms and subject to the conditions of the merger agreement, Prosperity Bancshares will issue 4,439,981 shares of Prosperity Bancshares common stock for all outstanding shares of American common stock, subject to certain potential adjustments. Based on Prosperity Bancshares' closing price of $72.40 on July16, 2025, the total consideration was valued at approximately $321.5 million. The transaction is subject to customary closing conditions, including the receipt of required regulatory approvals and approval of the shareholders of American. The transaction is expected to close during the fourth quarter of 2025 or the first quarter of 2026.

Conference Call

Prosperity's management team will host a conference call on Wednesday, July 23, 2025, at 11:30 a.m. Eastern Time (10:30 a.m. Central Time) to discuss Prosperity's second quarter 2025 earnings. Individuals and investment professionals may participate in the call by dialing 877-883-0383 for domestic participants, or 412-902-6506 for international participants. The participant elite entry number is 9928869.

Alternatively, individuals may listen to the live webcast of the presentation by visiting Prosperity's website at www.prosperitybankusa.com. The webcast may be accessed from Prosperity's Investor Relations page by selecting “Presentations, Webcasts & Calls” from the menu and following the instructions.

Non-GAAP Financial Measures

Prosperity's management uses certain non-GAAP financial measures to evaluate its performance. Specifically, for internal planning and forecasting purposes, Prosperity reviews each of diluted earnings per share, return on average assets, return on average common equity, and return on average tangible common equity, in each case excluding merger related provision for credit losses, net of tax, merger related expenses, net of tax, Federal Deposit Insurance Corporation (“FDIC”) special assessment, net of tax, and net gain on the sale or write-up of securities, net of tax; return on average tangible common equity; tangible book value per share; the tangible equity to tangible assets ratio; allowance for credit losses to total loans excluding Warehouse Purchase Program loans; the efficiency ratio, excluding net gains and losses on the sale, write-down or write-up of assets and securities; and the efficiency ratio, excluding net gains and losses on the sale, write-down or write-up of assets and securities, merger related expenses, and FDIC special assessment. Prosperity believes these non-GAAP financial measures provide information useful to investors in understanding Prosperity's financial results and their presentation, together with the accompanying reconciliations, provides a more complete understanding of factors and trends affecting Prosperity's business and allows investors to view performance in a manner similar to management, the entire financial services sector, bank stock analysts and bank regulators. Further, Prosperity believes that these non-GAAP financial measures provide useful information by excluding certain items that may not be indicative of its core operating earnings and business outlook. These non-GAAP financial measures should not be considered a substitute for, nor of greater importance than, GAAP basis financial measures and results; Prosperity strongly encourages investors to review its consolidated financial statements in their entirety and not to rely on any single financial measure. Because non-GAAP financial measures are not standardized, it may not be possible to compare these financial measures with other companies' non-GAAP financial measures having the same or similar names. Please refer to the “Notes to Selected Financial Data” at the end of this Earnings Release for a reconciliation of these non-GAAP financial measures to the nearest respective GAAP financial measures.

Prosperity Bancshares, Inc. ®

As of June30, 2025, Prosperity Bancshares, Inc.® is a $38.417 billion Houston, Texas based regional financial holding company providing personal banking services and investments to consumers and businesses throughout Texas and Oklahoma. Founded in 1983, Prosperity believes in a community banking philosophy, taking care of customers, businesses and communities in the areas it serves by providing financial solutions to simplify everyday financial needs. In addition to offering traditional deposit and loan products, Prosperity offers digital banking solutions, credit and debit cards, mortgage services, retail brokerage services, trust and wealth management, and treasury management.

Prosperity currently operates 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.

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Cautionary Notes on Forward-Looking Statements

“Safe Harbor” Statement under the Private Securities Litigation Reform Act of 1995: This release contains statements regarding the proposed transaction between Prosperity and American; future financial and operating results; benefits and synergies of the transaction; future opportunities for Prosperity; the issuance of common stock of Prosperity contemplated by the Merger Agreement; the expected filing by Prosperity with the Securities and Exchange Commission (the “SEC”) of a registration statement on Form S-4 (the “Registration Statement”) and a prospectus of Prosperity and a proxy statement of American to be included therein (the “Proxy Statement/Prospectus”); the expected timing of the closing of the proposed transaction; the ability of the parties to complete the proposed transaction considering the various closing conditions and any other statements about future expectations that constitute forward-looking statements within the meaning of the federal securities laws, including the meaning of the Private Securities Litigation Reform Act of 1995, as amended, Section 27A of the Securities Act of 1933, as amended (the “Securities Act”), 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 and its subsidiaries or related to the proposed transaction and are subject to significant risks and uncertainties that could cause actual results to differ materially from the results expressed in such statements.

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 each of the 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. Many possible events or factors could adversely affect the future financial results and performance of Prosperity, American or the combined company and could cause those results or performance to differ materially from those expressed in or implied by the forward-looking statements. Such risks and uncertainties include, among others: (1) the risk that the cost savings and synergies from the transaction may not be fully realized or may take longer than anticipated to be realized, (2) disruption to Prosperity's business and to American's business as a result of the announcement and pendency of the transaction, (3) the risk that the integration of American's business and operations into Prosperity, will be materially delayed or will be more costly or difficult than expected, or that Prosperity is otherwise unable to successfully integrate American's business into its own, including as a result of unexpected factors or events, (4) the failure to obtain the necessary approval by the shareholders of American, (5) the ability by each of Prosperity and American to obtain required governmental approvals of the transaction on the timeline expected, or at all, and the risk that such approvals may result in the imposition of conditions that could adversely affect Prosperity after the closing of the transaction or adversely affect the expected benefits of the transaction, (6) reputational risk and the reaction of each company's customers, suppliers, employees or other business partners to the transaction, (7) the failure of the closing conditions in the Merger Agreement to be satisfied, or any unexpected delay in closing the transaction or the occurrence of any event, change or other circumstances that could give rise to the termination of the Merger Agreement, (8) the dilution caused by the issuance of additional shares of Prosperity's common stock in the transaction, (9) the possibility that the transaction may be more expensive to complete than anticipated, including as a result of unexpected factors or events, (10) the outcome of any legal or regulatory proceedings that may be currently pending or later instituted against Prosperity before or after the transaction, or against American, (11) diversion of management's attention from ongoing business operations and (12) general competitive, economic, political and market conditions and other factors that may affect future results of Prosperity and American. 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, 2024, Quarterly Reports on Form10-Q,and Current Reports on Form8-K, in each case filed with the SEC, and other reports and statements Prosperity has filed with the SEC. Copies of the SEC filings for Prosperity may be downloaded from the Internet at no charge from http://www.prosperitybankusa.com.

Additional Information about the Transaction and Where to Find It

Prosperity intends to file with the SEC a Registration Statement on Form S-4 to register the shares of Prosperity common stock to be issued to the shareholders of American in connection with the proposed transaction. The Registration Statement will include a Proxy Statement/Prospectus which will be sent to the shareholders of American in connection with the proposed transaction.

INVESTORS AND SECURITY HOLDERS ARE URGED TO READ THE REGISTRATION STATEMENT ON FORM S-4, THE PROXY STATEMENT/PROSPECTUS INCLUDED WITHIN THE REGISTRATION STATEMENT ON FORM S-4 AND ANY OTHER RELEVANT DOCUMENTS TO BE FILED WITH THE SEC IN CONNECTION WITH THE PROPOSED TRANSACTION OR INCORPORATED BY REFERENCE INTO THE PROXY/STATEMENT PROSPECTUS, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THESE DOCUMENTS, CAREFULLY AND IN THEIR ENTIRETY, WHEN THEY ARE AVAILABLE, BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION ABOUT PROSPERITY, AMERICAN AND THE PROPOSED TRANSACTION.

Investors and security holders may obtain free copies of these documents through the website maintained by the SEC at http://www.sec.gov. You will also be able to obtain these documents, when they are filed, free of charge, from Prosperity at http://www.prosperitybankusa.com. Copies of the Proxy Statement/Prospectus can also be obtained, when it becomes available, free of charge, by directing a request by telephone or mail to Prosperity Bancshares, Inc., Prosperity Bank Plaza, 4295 San Felipe, Houston, Texas 77027 Attn: Investor Relations, (281) 269-7199 or to American Bank Holding Corporation, 800 North Shoreline Boulevard, Corpus Christi, Texas 78401, Attn: Stephen Raffaele, (512) 306-5550.

No Offer or Solicitation

This communication is for informational purposes only and is not intended to and does not constitute an offer to subscribe for, buy or sell, or the solicitation of an offer to subscribe for, buy or sell, or an invitation to subscribe for, buy or sell any securities or a solicitation of any vote or approval in any jurisdiction, nor shall there be any sale, issuance or transfer of securities in any jurisdiction in which such offer, invitation, sale or solicitation would be unlawful prior to registration or qualification under the securities laws of any such jurisdiction. No offer of securities shall be made except by means of a prospectus meeting the requirements of Section 10 of the Securities Act, and otherwise in accordance with applicable law.

____________________(1) Refer to the “Notes to Selected Financial Data” at the end of this Earnings Release for a reconciliation of this non-GAAP financial measure to the nearest GAAP financial measure.(2) Includes purchase accounting adjustments of $2.8 million, net of tax, primarily comprised of loan discount accretion of $3.1 million for the three months ended June 30, 2025.(3) Includes purchase accounting adjustments of $6.1 million, net of tax, primarily comprised of loan discount accretion of $7.2 million, merger related provision for credit losses of $9.1 million, merger related expenses of $4.4 million, FDIC special assessment of $3.6 million, and net gain on sale or write-up of securities of $10.7 million for the three months ended June 30, 2024.(4) Includes purchase accounting adjustments of $3.2 million, net of tax, primarily comprised of loan discount accretion of $3.3 million for the three months ended March 31, 2025.(5) Includes purchase accounting adjustments of $6.0 million, net of tax, primarily comprised of loan discount accretion of $6.4 million for the six months ended June 30, 2025.(6) Includes purchase accounting adjustments of $8.1 million, net of tax, primarily comprised of loan discount accretion of $9.1 million, merger related provision for credit losses of $9.1 million, merger related expenses of $4.4 million, FDIC special assessment of $3.6 million, and net gain on sale or write-up of securities of $11.0 million for the six months ended June 30, 2024.Bryan/College Station Area Grapevine Seven Points Shadow Creek North UniversityBryan Grapevine Main Teague Spring Texas Tech Student UnionBryan-29th Street Kiest Tyler-Beckham TomballBryan-East Lake Highlands Tyler-South Broadway Waller MidlandBryan-North McKinney Tyler-University West Columbia NorthCaldwell McKinney Eldorado Winnsboro Wharton WadleyCollege Station McKinney Redbud Winnie Wall StreetHearne North Carrolton Houston Area Wirt WestHuntsville Park Cities HoustonMadisonville Plano Aldine South Texas Area – OdessaNavasota Plano-West Alief Corpus Christi GrantNew Waverly Preston Forest Bellaire Calallen Kermit HighwayRock Prairie Preston Parker Beltway Carmel ParkwaySouthwest Parkway Preston Royal Clear Lake NorthwestTower Point Red Oak Copperfield Saratoga San AngeloWellborn Road Richardson Cypress Timbergate College Hills Richardson-West Downtown Water Street Sherwood WayCentral Texas Area Rosewood Court EastexAustin The Colony Fairfield Victoria Wichita FallsCedar Park Tollroad First Colony Victoria Main CattlemansCongress Trinity Mills Fry Road Victoria-Navarro KellLakeway Turtle Creek Gessner Victoria-NorthLiberty Hill West 15th Plano Gladebrook Victoria Salem Other West Texas AreaNorthland West Allen Grand Parkway LocationsOak Hill Westmoreland Heights Other South Texas Area Big SpringResearch Blvd Wylie Highway 6 West Locations Big Spring – EastWestlake Little York Alice Brownfield Fort Worth Medical Center Aransas Pass BrownwoodOther Central Texas Area Haltom City Memorial Drive Bay City BurkburnettLocations Hulen Northside Beeville ByersBastrop Keller Pasadena Colony Creek CiscoCanyon Lake Museum Place Pecan Grove Cuero ComancheDime Box Renaissance Square Pin Oak East Bernard EarlyDripping Springs Roanoke River Oaks Edna FloydadaElgin Stockyards Sugar Land El Campo GormanFlatonia SW Medical Center Goliad HenriettaFredericksburg Other Dallas/Fort Worth Area Tanglewood Gonzales LevellandGeorgetown Locations The Plaza Hallettsville LittlefieldGruene Arlington Uptown Kingsville MerkelHorseshoe Bay Azle Waugh Drive Mathis PlainviewKingsland Ennis Westheimer Padre Island SlatonLa Grange Gainesville West University Palacios SnyderLexington Glen Rose Woodcreek Port LavacaMarble Falls Granbury Portland OklahomaNew Braunfels Grand Prairie Katy Rockport Central Oklahoma AreaPleasanton Jacksboro Cinco Ranch Sinton Oklahoma CityRound Rock Mesquite Katy-Spring Green Taft 23rd StreetSan Antonio Muenster Yoakum ExpresswaySchulenburg Runaway Bay The Woodlands Yorktown I-240Seguin Sanger The Woodlands-College Park MemorialSmithville Waxahachie The Woodlands-I-45 West Texas AreaThorndale Weatherford The Woodlands-Research Forest Abilene Other Central Oklahoma AreaWeimar Antilley Road Locations East Texas Area Other Houston Area Barrow Street EdmondDallas/Fort Worth Area Athens Locations Cypress Street NormanDallas Blooming Grove Angleton Judge Ely14th Street Plano Canton Beaumont Mockingbird Tulsa AreaAbrams Centre Carthage Cleveland TulsaAddison Corsicana Dayton Amarillo GarnettAllen Crockett Galveston Hillside HarvardBalch Springs Eustace Groves Soncy MemorialCamp Wisdom Gilmer Hempstead SheridanCarrollton Grapeland Hitchcock Lubbock S. HarvardCedar Hill Gun Barrel City Liberty 4th Street Utica TowerCoppell Jacksonville Magnolia 66th Street YaleEast Plano Kerens Magnolia Parkway 82nd StreetFrisco Longview Mont Belvieu 86th Street Other Tulsa Area LocationsFrisco Warren Mount Vernon Nederland 98th Street OwassoFrisco-West Palestine Needville Avenue QGarland Rusk Rosenberg MilwaukeeProsperity Bancshares, Inc.®Financial Highlights (Unaudited)(In thousands) Jun 30, 2025 Mar 31, 2025 Dec 31, 2024 Sep 30, 2024 Jun 30, 2024Balance Sheet Data (at period end)Loans held for sale $ 6,004 $ 9,764 $ 10,690 $ 6,113 $ 9,951Loans held for investment 20,903,944 20,909,913 21,057,616 21,146,033 21,229,461Loans held for investment – Warehouse Purchase 1,287,440 1,057,893 1,080,903 1,228,706 1,081,403ProgramTotal loans 22,197,388 21,977,570 22,149,209 22,380,852 22,320,815Investment securities(A) 10,608,104 10,792,731 11,094,424 11,300,756 11,702,139Federal funds sold 197 221 292 208 234Allowance for credit losses on loans (346,084) (349,101) (351,805) (354,397) (359,852)Cash and due from banks 1,304,993 1,694,637 1,972,175 2,209,863 1,507,604Goodwill 3,503,127 3,503,127 3,503,129 3,504,388 3,504,107Core deposit intangibles, net 58,796 62,406 66,047 70,178 74,324Other real estate owned 7,874 8,012 5,701 5,757 4,960Fixed assets, net 374,602 373,273 371,238 373,812 377,394Other assets 708,355 701,799 756,328 623,903 630,569Total assets $ 38,417,352 $ 38,764,675 $ 39,566,738 $ 40,115,320 $ 39,762,294Noninterest-bearing deposits $ 9,426,657 $ 9,675,915 $ 9,798,438 $ 9,811,361 $ 9,706,505Interest-bearing deposits 18,046,754 18,350,884 18,582,900 18,276,250 18,226,581Total deposits 27,473,411 28,026,799 28,381,338 28,087,611 27,933,086Other borrowings 2,900,000 2,700,000 3,200,000 3,900,000 3,900,000Securities sold under repurchase agreements 183,572 216,086 221,913 228,896 233,689Allowance for credit losses on off-balance sheet credit 37,646 37,646 37,646 37,646 37,646exposuresOther liabilities 222,987 267,083 287,346 499,918 374,429Total liabilities 30,817,616 31,247,614 32,128,243 32,754,071 32,478,850Shareholders' equity(B) 7,599,736 7,517,061 7,438,495 7,361,249 7,283,444Total liabilities and equity $ 38,417,352 $ 38,764,675 $ 39,566,738 $ 40,115,320 $ 39,762,294(A) Includes $(1,657), $(1,374), $(2,056), $(1,070) and $(2,007) in unrealized losses on available for sale securities for the quarterly periods ended June 30, 2025, March 31, 2025, December 31, 2024, September 30, 2024 and June 30, 2024, respectively.(B) Includes $(1,309), $(1,085), $(1,624), $(845) and $(1,586) in after-tax unrealized losses on available for sale securities for the quarterly periods ended June 30, 2025, March 31, 2025, December 31, 2024, September 30, 2024 and June 30, 2024, respectively.Prosperity Bancshares, Inc.®Financial Highlights (Unaudited)(In thousands) Three Months Ended Year-to-Date Jun 30, Mar 31, Dec 31, Sep 30, Jun 30, Jun 30, Jun 30, 2025 2025 2024 2024 2024 2025 2024Income Statement DataInterest income:Loans $ 325,490 $ 319,023 $ 333,055 $ 337,451 $ 336,428 $ 644,513 $ 642,656Securities(C) 57,836 57,886 58,260 59,617 62,428 115,722 128,849Federal funds sold and other earning assets 9,438 15,896 19,630 20,835 14,095 25,334 23,360Total interest income 392,764 392,805 410,945 417,903 412,951 785,569 794,865Interest expense:Deposits 93,790 95,597 102,050 107,758 106,124 189,387 198,816Other borrowings 30,101 30,492 39,620 46,792 46,282 60,593 95,228Securities sold under repurchase agreements 1,151 1,334 1,501 1,662 1,759 2,485 3,791Total interest expense 125,042 127,423 143,171 156,212 154,165 252,465 297,835Net interest income 267,722 265,382 267,774 261,691 258,786 533,104 497,030Provision for credit losses – – – – 9,066 – 9,066Net interest income after provision for credit losses 267,722 265,382 267,774 261,691 249,720 533,104 487,964Noninterest income:Nonsufficient funds (NSF) fees 8,885 9,147 9,960 9,016 8,153 18,032 16,441Credit card, debit card and ATM card income 9,761 8,739 9,443 9,620 9,384 18,500 18,245Service charges on deposit accounts 7,645 7,408 6,992 6,664 6,436 15,053 12,842Trust income 3,859 3,601 3,514 3,479 3,601 7,460 7,757Mortgage income 965 1,009 779 962 745 1,974 1,355Brokerage income 1,225 1,262 1,063 1,258 1,186 2,487 2,421Bank owned life insurance income 1,985 2,115 2,020 2,028 1,885 4,100 3,932Net gain (loss) on sale or write-down of assets 1,414 (235) 584 3,178 (903) 1,179 (938)Net gain on sale or write-up of securities – – – 224 10,723 – 11,021Other noninterest income 7,243 8,255 5,482 4,670 4,793 15,498 11,797Total noninterest income 42,982 41,301 39,837 41,099 46,003 84,283 84,873Noninterest expense:Salaries and benefits 87,296 89,476 88,631 88,367 89,584 176,772 175,355Net occupancy and equipment 9,168 9,146 8,957 9,291 8,915 18,314 17,538Credit and debit card, data processing and software 12,056 11,422 12,342 11,985 11,998 23,478 22,973amortizationRegulatory assessments and FDIC insurance 5,508 5,789 5,789 5,726 10,317 11,297 15,855Core deposit intangibles amortization 3,610 3,641 4,131 4,146 4,156 7,251 7,393Depreciation 4,779 4,774 4,791 4,741 4,836 9,553 9,522Communications 3,507 3,473 3,450 3,360 3,485 6,980 6,887Other real estate expense 204 140 255 12 69 344 256Net (gain) loss on sale or write-down of other real estate (222) (30) (610) (97) 31 (252) (107)Merger related expenses – – – 63 4,381 – 4,381Other noninterest expense 12,659 12,470 13,809 12,744 15,070 25,129 28,637Total noninterest expense 138,565 140,301 141,545 140,338 152,842 278,866 288,690Income before income taxes 172,139 166,382 166,066 162,452 142,881 338,521 284,147Provision for income taxes 36,984 36,157 35,990 35,170 31,279 73,141 62,119Net income available to common shareholders $ 135,155 $ 130,225 $ 130,076 $ 127,282 $ 111,602 $ 265,380 $ 222,028(C) Interest income on securities was reduced by net premium amortization of $4,926, $5,027, $5,609, $5,574 and $5,831 for the three months ended June 30, 2025, March 31, 2025, December 31, 2024, September 30, 2024 and June 30, 2024, respectively, and $9,953 and $11,653 for the six months ended June 30, 2025 and 2024, respectively.Prosperity Bancshares, Inc.®Financial Highlights (Unaudited)(Dollars and share amounts in thousands, except per share data and market prices) Three Months Ended Year-to-Date Jun 30, Mar 31, Dec 31, Sep 30, Jun 30, Jun 30, Jun 30, 2025 2025 2024 2024 2024 2025 2024ProfitabilityNet income (D)(E) $ 135,155 $ 130,225 $ 130,076 $ 127,282 $ 111,602 $ 265,380 $ 222,028Basic earnings per share $ 1.42 $ 1.37 $ 1.37 $ 1.34 $ 1.17 $ 2.79 $ 2.34Diluted earnings per share $ 1.42 $ 1.37 $ 1.37 $ 1.34 $ 1.17 $ 2.79 $ 2.34Return on average assets (F)(J) 1.41 % 1.34 % 1.31 % 1.28 % 1.12 % 1.37 % 1.13 %Return on average common equity (F)(J) 7.13 % 6.94 % 7.00 % 6.93 % 6.10 % 7.03 % 6.15 %Return on average tangible common 13.44 % 13.23 % 13.50 % 13.50 % 11.81 % 13.33 % 11.93 %equity(F)(G)(J)Tax equivalent net interest margin (D) (E)(H) 3.18 % 3.14 % 3.05 % 2.95 % 2.94 % 3.16 % 2.87 %Efficiency ratio (G) (I)(K) 44.80 % 45.71 % 46.10 % 46.87 % 51.82 % 45.26 % 50.49 %Liquidity and Capital RatiosEquity to assets 19.78 % 19.39 % 18.80 % 18.35 % 18.32 % 19.78 % 18.32 %Common equity tier 1 capital 17.10 % 16.92 % 16.42 % 15.84 % 15.42 % 17.10 % 15.42 %Tier 1 risk-based capital 17.10 % 16.92 % 16.42 % 15.84 % 15.42 % 17.10 % 15.42 %Total risk-based capital 18.35 % 18.17 % 17.67 % 17.09 % 16.67 % 18.35 % 16.67 %Tier 1 leverage capital 11.62 % 11.20 % 10.82 % 10.52 % 10.29 % 11.62 % 10.29 %Period end tangible equity to period end 11.58 % 11.23 % 10.75 % 10.36 % 10.24 % 11.58 % 10.24 %tangible assets (G)Other DataWeighted-average shares used in computingearnings per common shareBasic 95,277 95,266 95,264 95,261 95,765 95,271 94,735Diluted 95,277 95,266 95,264 95,261 95,765 95,271 94,735Period end shares outstanding 95,277 95,258 95,275 95,261 95,262 95,277 95,262Cash dividends paid per common share $ 0.58 $ 0.58 $ 0.58 $ 0.56 $ 0.56 $ 1.16 $ 1.12Book value per common share $ 79.76 $ 78.91 $ 78.07 $ 77.27 $ 76.46 $ 79.76 $ 76.46Tangible book value per common share (G) $ 42.38 $ 41.48 $ 40.61 $ 39.75 $ 38.89 $ 42.38 $ 38.89Common Stock Market PriceHigh $ 74.56 $ 82.75 $ 86.76 $ 74.87 $ 66.18 $ 82.75 $ 68.88Low $ 61.57 $ 68.96 $ 68.94 $ 58.66 $ 57.16 $ 61.57 $ 57.16Period end closing price $ 70.24 $ 71.37 $ 75.35 $ 72.07 $ 61.14 $ 70.24 $ 61.14Employees – FTE (excluding overtime) 3,921 3,898 3,916 3,896 3,902 3,921 3,902Number of banking centers 283 284 283 287 288 283 288(D) Includes purchase accounting adjustments for the periods presented as follows: Three Months Ended Year-to-Date Jun 30, Mar 31, Dec 31, Sep 30, Jun 30, Jun 30, Jun 30, 2025 2025 2024 2024 2024 2025 2024Loan discount accretionNon-PCD $2,486 $2,615 $2,761 $3,616 $4,797 $5,101 $6,109PCD $638 $677 $850 $1,212 $2,394 $1,315 $2,942Securities net accretion $409 $705 $528 $555 $564 $1,114 $1,125Time deposits $(2) $(9) $(21) $(40) $4 $(11) $(93)amortization(E) Using effective tax rate of 21.5%, 21.7%, 21.7%, 21.6% and 21.9% for the three months ended June 30, 2025, March 31, 2025, December 31, 2024, September 30, 2024 and June 30, 2024, respectively, and 21.6% and 21.9% for the six months ended June 30, 2025 and 2024, respectively.(F) Interim periods annualized.(G) Refer to the “Notes to Selected Financial Data” at the end of this Earnings Release for a reconciliation of this non-GAAP financial measure to the nearest GAAP financial measure.(H) Net interest margin for all periods presented is based on average balances on an actual 365-day or 366-day basis.(I) 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, write-down or write-up of assets and securities. Additionally, taxes are not part of this calculation.(J) For calculations of the annualized returns on average assets, average common equity and average tangible common equity excluding merger related provision for credit losses, net of tax, merger related expenses, net of tax, FDIC special assessment, net of tax, and net gain on sale or write-up of securities, net of tax refer to the “Notes to Selected Financial Data” at the end of this Earnings Release for a reconciliation of this non-GAAP financial measure to the nearest GAAP financial measure.(K) For calculations of the efficiency ratio excluding merger related expenses and FDIC special assessment refer to the “Notes to Selected Financial Data” at the end of this Earnings Release for a reconciliation of these non-GAAP financial measures to the nearest respective GAAP financial measures.Prosperity Bancshares, Inc.®Financial Highlights (Unaudited)(Dollars in thousands)YIELD ANALYSIS Three Months Ended Jun 30, 2025 Mar 31, 2025 Jun 30, 2024 Average Interest Average (L) Average Interest Average (L) Average Interest Average (L) Balance Earned/ Yield/ Balance Earned/ Yield/ Balance Earned/ Yield/ Interest Rate Interest Rate Interest Rate Paid Paid PaidInterest-earning assets:Loans held for sale $ 9,813 $ 166 6.79% $ 7,570 $ 127 6.80% $ 8,446 $ 149 7.10%Loans held for investment 20,907,400 306,671 5.88% 20,959,226 305,068 5.90% 21,328,824 319,361 6.02%Loans held for investment – Warehouse 1,179,307 18,653 6.34% 876,086 13,828 6.40% 917,026 16,918 7.42%Purchase ProgramTotal loans 22,096,520 325,490 5.91% 21,842,882 319,023 5.92% 22,254,296 336,428 6.08%Investment securities 10,867,856 57,836 2.13% (M) 11,017,400 57,886 2.13% (M) 12,179,074 62,428 2.06% (M)Federal funds sold and other earning assets 841,933 9,438 4.50% 1,443,220 15,896 4.47% 1,026,251 14,095 5.52%Total interest-earning assets 33,806,309 392,764 4.66% 34,303,502 392,805 4.64% 35,459,621 412,951 4.68%Allowance for credit losses on loans (348,310) (350,715) (332,904)Noninterest-earning assets 4,933,215 5,004,291 4,822,131Total assets $ 38,391,214 $ 38,957,078 $ 39,948,848Interest-bearing liabilities:Interest-bearing demand deposits $ 4,807,864 $ 8,859 0.74% $ 5,224,796 $ 9,019 0.70% $ 4,839,194 $ 9,133 0.76%Savings and money market deposits 8,944,897 45,796 2.05% 9,007,286 45,645 2.06% 9,084,051 50,252 2.22%Certificates and other time deposits 4,366,510 39,135 3.59% 4,426,521 40,933 3.75% 4,400,922 46,739 4.27%Other borrowings 2,717,583 30,101 4.44% 2,776,667 30,492 4.45% 3,900,000 46,282 4.77%Securities sold under repurchase 194,577 1,151 2.37% 217,945 1,334 2.48% 258,637 1,759 2.74%agreementsTotal interest-bearing liabilities 21,031,431 125,042 2.38% (N) 21,653,215 127,423 2.39% (N) 22,482,804 154,165 2.76% (N)Noninterest-bearing liabilities:Noninterest-bearing demand deposits 9,508,845 9,504,540 9,780,211Allowance for credit losses on off-balance 37,646 37,646 36,729sheet credit exposuresOther liabilities 227,002 255,876 327,847Total liabilities 30,804,924 31,451,277 32,627,591Shareholders' equity 7,586,290 7,505,801 7,321,257Total liabilities and shareholders' equity $ 38,391,214 $ 38,957,078 $ 39,948,848Net interest income and margin $ 267,722 3.18% $ 265,382 3.14% $ 258,786 2.94%Non-GAAP to GAAP reconciliation:Tax equivalent adjustment 574 587 800Net interest income and margin $ 268,296 3.18% $ 265,969 3.14% $ 259,586 2.94%(tax equivalent basis)(L) Annualized and based on an actual 365-day or 366-day basis.(M) Yield on securities was impacted by net premium amortization of $4,926, $5,027 and $5,831 for the three months ended June 30, 2025, March 31, 2025 and June 30, 2024, respectively.(N) Total cost of funds, including noninterest bearing deposits, was 1.64%, 1.66% and 1.92% for the three months ended June 30, 2025, March 31, 2025 and June 30, 2024, respectively.Prosperity Bancshares, Inc.®Financial Highlights (Unaudited)(Dollars in thousands)YIELD ANALYSIS Year-to-Date Jun 30, 2025 Jun 30, 2024 Average Interest Average (O) Average Interest Average (O) Balance Earned/ Yield/ Balance Earned/ Yield/ Interest Rate Interest Rate Paid PaidInterest-earning assets:Loans held for sale $ 8,698 $ 293 6.79% $ 6,957 $ 241 6.97%Loans held for investment 20,933,170 611,739 5.89% 20,872,069 612,034 5.90%Loans held for investment – Warehouse 1,028,534 32,481 6.37% 818,838 30,381 7.46%Purchase ProgramTotal loans 21,970,402 644,513 5.92% 21,697,864 642,656 5.96%Investment securities 10,942,215 115,722 2.13% (P) 12,436,171 128,849 2.08% (P)Federal funds sold and other earning assets 1,140,915 25,334 4.48% 849,546 23,360 5.53%Total interest-earning assets 34,053,532 785,569 4.65% 34,983,581 794,865 4.57%Allowance for credit losses on loans (349,506) (332,306)Noninterest-earning assets 4,967,987 4,790,888Total assets $ 38,672,013 $ 39,442,163Interest-bearing liabilities:Interest-bearing demand deposits $ 5,015,178 $ 17,878 0.72% $ 4,991,390 $ 17,556 0.71%Savings and money market deposits 8,975,919 91,441 2.05% 8,986,565 97,404 2.18%Certificates and other time deposits 4,396,350 80,068 3.67% 4,042,369 83,856 4.17%Other borrowings 2,746,961 60,593 4.45% 3,991,566 95,228 4.80%Securities sold under repurchase agreements 206,197 2,485 2.43% 277,537 3,791 2.75%Total interest-bearing liabilities 21,340,605 252,465 2.39% (Q) 22,289,427 297,835 2.69% (Q)Noninterest-bearing liabilities:Noninterest-bearing demand deposits 9,506,704 9,611,730Allowance for credit losses on off-balance 37,646 36,616sheet credit exposuresOther liabilities 240,789 283,139Total liabilities 31,125,744 32,220,912Shareholders' equity 7,546,269 7,221,251Total liabilities and shareholders' equity $ 38,672,013 $ 39,442,163Net interest income and margin $ 533,104 3.16% $ 497,030 2.86%Non-GAAP to GAAP reconciliation:Tax equivalent adjustment 1,161 1,608Net interest income and margin $ 534,265 3.16% $ 498,638 2.87%(tax equivalent basis)(O) Based on an actual 365-day or 366-day basis.(P) Yield on securities was impacted by net premium amortization of $9,953 and $11,653 for the six months ended June 30, 2025 and 2024, respectively.(Q) Total cost of funds, including noninterest bearing deposits, was 1.65% and 1.88% for the six months ended June 30, 2025 and 2024, respectively.Prosperity Bancshares, Inc.®Financial Highlights (Unaudited)(Dollars in thousands) Three Months Ended Jun 30, 2025 Mar 31, 2025 Dec 31, 2024 Sep 30, 2024 Jun 30, 2024YIELD TREND (R)Interest-Earning Assets:Loans held for sale 6.79 % 6.80 % 6.68 % 6.89 % 7.10 %Loans held for investment 5.88 % 5.90 % 5.93 % 5.97 % 6.02 %Loans held for investment – Warehouse Purchase 6.34 % 6.40 % 6.66 % 7.27 % 7.42 %ProgramTotal loans 5.91 % 5.92 % 5.97 % 6.04 % 6.08 %Investment securities (S) 2.13 % 2.13 % 2.06 % 2.04 % 2.06 %Federal funds sold and other earning assets 4.50 % 4.47 % 4.80 % 5.41 % 5.52 %Total interest-earning assets 4.66 % 4.64 % 4.66 % 4.70 % 4.68 %Interest-Bearing Liabilities:Interest-bearing demand deposits 0.74 % 0.70 % 0.70 % 0.77 % 0.76 %Savings and money market deposits 2.05 % 2.06 % 2.10 % 2.23 % 2.22 %Certificates and other time deposits 3.59 % 3.75 % 4.06 % 4.24 % 4.27 %Other borrowings 4.44 % 4.45 % 4.73 % 4.77 % 4.77 %Securities sold under repurchase agreements 2.37 % 2.48 % 2.58 % 2.72 % 2.74 %Total interest-bearing liabilities 2.38 % 2.39 % 2.60 % 2.78 % 2.76 %Net Interest Margin 3.18 % 3.14 % 3.04 % 2.94 % 2.94 %Net Interest Margin (tax equivalent) 3.18 % 3.14 % 3.05 % 2.95 % 2.94 %(R) Annualized and based on average balances on an actual 365-day or 366-day basis.(S) Yield on securities was impacted by net premium amortization of $4,926, $5,027, $5,609, $5,574 and $5,831 for the three months ended June 30, 2025, March 31, 2025, December 31, 2024, September 30, 2024 and June 30, 2024, respectively.Prosperity Bancshares, Inc.®Financial Highlights (Unaudited)(Dollars in thousands) Three Months Ended Jun 30, 2025 Mar 31, 2025 Dec 31, 2024 Sep 30, 2024 Jun 30, 2024Balance Sheet AveragesLoans held for sale $ 9,813 $ 7,570 $ 8,571 $ 7,913 $ 8,446Loans held for investment 20,907,400 20,959,226 21,038,694 21,107,139 21,328,824Loans held for investment – Warehouse Purchase 1,179,307 876,086 1,137,113 1,114,681 917,026ProgramTotal loans 22,096,520 21,842,882 22,184,378 22,229,733 22,254,296Investment securities 10,867,856 11,017,400 11,265,535 11,612,193 12,179,074Federal funds sold and other earning assets 841,933 1,443,220 1,628,050 1,531,788 1,026,251Total interest-earning assets 33,806,309 34,303,502 35,077,963 35,373,714 35,459,621Allowance for credit losses on loans (348,310) (350,715) (353,560) (358,237) (332,904)Cash and due from banks 294,379 326,066 317,420 304,911 295,077Goodwill 3,503,127 3,503,128 3,505,030 3,504,300 3,482,448Core deposit intangibles, net 60,739 64,293 68,167 72,330 59,979Other real estate 8,749 7,105 6,778 5,339 3,071Fixed assets, net 374,486 374,448 373,561 375,626 377,369Other assets 691,735 729,251 632,040 611,219 604,187Total assets $ 38,391,214 $ 38,957,078 $ 39,627,399 $ 39,889,202 $ 39,948,848Noninterest-bearing deposits $ 9,508,845 $ 9,504,540 $ 9,829,912 $ 9,680,785 $ 9,780,211Interest-bearing demand deposits 4,807,864 5,224,796 4,845,174 4,774,975 4,839,194Savings and money market deposits 8,944,897 9,007,286 8,915,410 8,908,315 9,084,051Certificates and other time deposits 4,366,510 4,426,521 4,552,445 4,564,232 4,400,922Total deposits 27,628,116 28,163,143 28,142,941 27,928,307 28,104,378Other borrowings 2,717,583 2,776,667 3,332,609 3,900,000 3,900,000Securities sold under repurchase agreements 194,577 217,945 231,240 242,813 258,637Allowance for credit losses on off-balance sheet 37,646 37,646 37,646 37,646 36,729credit exposuresOther liabilities 227,002 255,876 454,298 433,171 327,847Shareholders' equity 7,586,290 7,505,801 7,428,665 7,347,265 7,321,257Total liabilities and equity $ 38,391,214 $ 38,957,078 $ 39,627,399 $ 39,889,202 $ 39,948,848Prosperity Bancshares, Inc.®Financial Highlights (Unaudited)(Dollars in thousands) Jun 30, 2025 Mar 31, 2025 Dec 31, 2024 Sep 30, 2024 Jun 30, 2024Period End BalancesLoan PortfolioCommercial and $ 1,897,117 8.6 % $ 1,915,124 8.7 % $ 1,962,111 8.8 % $ 1,970,844 8.8 % $ 2,023,531 9.1 %industrialWarehouse purchase 1,287,440 5.8 % 1,057,893 4.8 % 1,080,903 4.9 % 1,228,706 5.5 % 1,081,403 4.8 %programConstruction, land 2,873,238 12.9 % 2,845,082 13.0 % 2,859,281 12.9 % 2,814,521 12.6 % 2,828,372 12.7 %development and otherland loans1-4 family residential 7,530,816 33.9 % 7,576,350 34.5 % 7,581,450 34.2 % 7,557,858 33.8 % 7,496,485 33.6 %Home equity 869,370 3.9 % 896,529 4.1 % 906,139 4.1 % 919,676 4.1 % 930,428 4.2 %Commercial real estate 5,827,645 26.3 % 5,783,410 26.3 % 5,800,985 26.2 % 5,869,687 26.2 % 5,961,884 26.7 %(includes multi-familyresidential)Agriculture (includes 1,029,250 4.6 % 1,013,960 4.6 % 1,033,546 4.7 % 1,033,224 4.6 % 1,037,361 4.6 %farmland)Consumer and other 368,747 1.7 % 378,821 1.7 % 378,817 1.7 % 413,548 1.8 % 340,611 1.5 %Energy 513,765 2.3 % 510,401 2.3 % 545,977 2.5 % 572,788 2.6 % 620,740 2.8 %Total loans $ 22,197,388 $ 21,977,570 $ 22,149,209 $ 22,380,852 $ 22,320,815Deposit TypesNoninterest-bearing $ 9,426,657 34.3 % $ 9,675,915 34.5 % $ 9,798,438 34.5 % $ 9,811,361 34.9 % $ 9,706,505 34.7 %DDAInterest-bearing DDA 4,708,251 17.1 % 4,931,769 17.6 % 5,182,035 18.3 % 4,800,758 17.1 % 4,762,730 17.1 %Money market 6,302,770 23.0 % 6,339,509 22.6 % 6,229,022 21.9 % 6,166,792 22.0 % 6,180,769 22.1 %Savings 2,667,859 9.7 % 2,703,736 9.7 % 2,685,496 9.5 % 2,707,982 9.6 % 2,765,197 9.9 %Certificates and other 4,367,874 15.9 % 4,375,870 15.6 % 4,486,347 15.8 % 4,600,718 16.4 % 4,517,885 16.2 %time depositsTotal deposits $ 27,473,411 $ 28,026,799 $ 28,381,338 $ 28,087,611 $ 27,933,086Loan to Deposit Ratio 80.8 % 78.4 % 78.0 % 79.7 % 79.9 %Prosperity Bancshares, Inc.®Financial Highlights (Unaudited)(Dollars in thousands)Construction Loans Jun 30, 2025 Mar 31, 2025 Dec 31, 2024 Sep 30, 2024 Jun 30, 2024Single family residential construction $ 696,569 24.2 % $ 727,417 25.6 % $ 778,067 27.2 % $ 836,571 29.7 % $ 940,381 33.2 %Land development 227,254 7.9 % 225,784 7.9 % 260,158 9.1 % 256,571 9.1 % 241,639 8.5 %Raw land 248,380 8.7 % 261,918 9.2 % 278,892 9.7 % 263,411 9.4 % 291,112 10.3 %Residential lots 217,835 7.6 % 219,115 7.7 % 209,850 7.3 % 217,920 7.7 % 222,343 7.9 %Commercial lots 55,176 1.9 % 56,343 2.0 % 59,044 2.1 % 58,472 2.1 % 60,264 2.1 %Commercial construction and other 1,428,985 49.7 % 1,355,587 47.6 % 1,274,619 44.6 % 1,183,127 42.0 % 1,074,361 38.0 %Net unaccreted discount (961) (1,082) (1,349) (1,551) (1,728)Total construction loans $ 2,873,238 $ 2,845,082 $ 2,859,281 $ 2,814,521 $ 2,828,372Non-Owner Occupied Commercial Real Estate Loans by Metropolitan Statistical Area (MSA) as of June 30, 2025 Houston Dallas Austin OK City Tulsa Other (T) TotalCollateral TypeShopping center/retail $ 332,171 $ 249,400 $ 59,338 $ 15,472 $ 13,024 $ 330,419 $ 999,824Commercial and industrial buildings 133,239 105,706 22,278 33,130 12,339 274,479 581,171Office buildings 114,815 269,275 130,691 45,270 4,330 86,538 650,919Medical buildings 82,882 16,788 1,657 42,053 27,437 71,247 242,064Apartment buildings 122,871 128,913 64,053 10,615 13,530 208,395 548,377Hotel 108,149 117,048 30,555 13,625 – 180,617 449,994Other 174,929 58,816 20,314 6,182 6,973 97,515 364,729Total $ 1,069,056 $ 945,946 $ 328,886 $ 166,347 $ 77,633 $ 1,249,210 $ 3,837,078 (U)Acquired Loans Non-PCD Loans PCD Loans Total Acquired Loans Balance at Balance at Balance at Balance at Balance at Balance at Balance at Balance at Balance at Acquisition Mar 31, Jun 30, Acquisition Mar 31, Jun 30, Acquisition Mar 31, Jun 30, Date 2025 2025 Date 2025 2025 Date 2025 2025Loan marks:Acquired banks (V) $ 368,247 $ 13,536 $ 12,813 $ 327,842 $ 5,620 $ 5,237 $ 696,089 $ 19,156 $ 18,050Lone Star Bank (W) 20,378 11,714 9,953 4,558 1,093 838 24,936 12,807 10,791Total 388,625 25,250 22,766 332,400 6,713 6,075 721,025 31,963 28,841Acquired portfolio loanbalances:Acquired banks (V) 13,307,853 1,281,901 1,223,988 1,317,564 380,484 342,617 14,625,417 1,662,385 1,566,605Lone Star Bank (W) 1,016,128 645,440 562,614 59,109 47,559 44,526 1,075,237 692,999 607,140Total 14,323,981 1,927,341 1,786,602 1,376,673 428,043 387,143 15,700,654 (X) 2,355,384 2,173,745Acquired portfolio loan $ 13,935,356 $ 1,902,091 $ 1,763,836 $ 1,044,273 $ 421,330 $ 381,068 $ 14,979,629 $ 2,323,421 $ 2,144,904balances less loan marks(T) Includes other MSA and non-MSA regions.(U) Represents a portion of total commercial real estate loans of $5.828 billion as of June 30, 2025.(V) Includes Bank Arlington, American State Bank, Community National Bank, First Federal Bank Texas, Coppermark Bank, First Victoria National Bank, The F&M Bank & Trust Company, Tradition Bank and LegacyTexas Bank.(W) The Merger was completed on April 1, 2024 and resulted in the addition of $1.075 billion in loans with related purchase accounting adjustments of $24.9 million at acquisition date, which were subject to subsequent fair value adjustments.(X) Actual principal balances acquired.Prosperity Bancshares, Inc.®Financial Highlights (Unaudited)(Dollars in thousands) Three Months Ended Year-to-Date Jun 30, Mar 31, Dec 31, Sep 30, Jun 30, Jun 30, Jun 30, 2025 2025 2024 2024 2024 2025 2024Asset QualityNonaccrual loans $ 102,031 $ 73,287 $ 73,647 $ 83,969 $ 84,175 $ 102,031 $ 84,175Accruing loans 90 or more days past due 576 91 2,189 20 322 576 322Total nonperforming loans 102,607 73,378 75,836 83,989 84,497 102,607 84,497Repossessed assets 6 29 4 177 113 6 113Other real estate 7,874 8,012 5,701 5,757 4,960 7,874 4,960Total nonperforming assets $ 110,487 $ 81,419 $ 81,541 $ 89,923 $ 89,570 $ 110,487 $ 89,570Nonperforming assets:Commercial and industrial (includes energy) $ 27,680 $ 8,966 $ 10,080 $ 13,642 $ 16,340 $ 27,680 $ 16,340Construction, land development and other land 1,859 1,952 4,481 4,053 4,895 1,859 4,895loans1-4 family residential (includes home equity) 50,501 42,481 44,824 36,660 33,935 50,501 33,935Commercial real estate (includes multi-family 12,865 12,257 18,861 32,803 31,776 12,865 31,776residential)Agriculture (includes farmland) 17,547 15,725 3,208 2,686 2,550 17,547 2,550Consumer and other 35 38 87 79 74 35 74Total $ 110,487 $ 81,419 $ 81,541 $ 89,923 $ 89,570 $ 110,487 $ 89,570Number of loans/properties 392 363 368 346 349 392 349Allowance for credit losses on loans $ 346,084 $ 349,101 $ 351,805 $ 354,397 $ 359,852 $ 346,084 $ 359,852Net charge-offs (recoveries):Commercial and industrial (includes energy) $ 1,044 $ 330 $ 405 $ 3,309 $ 2,777 $ 1,374 $ 3,060Construction, land development and other land (3) (156) 294 378 109 (159) 107loans1-4 family residential (includes home equity) 342 1,051 180 409 425 1,393 882Commercial real estate (includes multi-family 55 178 362 258 (381) 233 (398)residential)Agriculture (includes farmland) (14) – 5 (116) 214 (14) 237Consumer and other 1,593 1,301 1,346 1,217 1,224 2,894 2,623Total $ 3,017 $ 2,704 $ 2,592 $ 5,455 $ 4,368 $ 5,721 $ 6,511Asset Quality RatiosNonperforming assets to average interest-earning 0.33 % 0.24 % 0.23 % 0.25 % 0.25 % 0.32 % 0.26 %assetsNonperforming assets to loans and other real 0.50 % 0.37 % 0.37 % 0.40 % 0.40 % 0.50 % 0.40 %estateNet charge-offs to average loans (annualized) 0.05 % 0.05 % 0.05 % 0.10 % 0.08 % 0.05 % 0.06 %Allowance for credit losses on loans to total loans 1.56 % 1.59 % 1.59 % 1.58 % 1.61 % 1.56 % 1.61 %Allowance for credit losses on loans to total 1.66 % 1.67 % 1.67 % 1.68 % 1.69 % 1.66 % 1.69 %loans, excluding Warehouse Purchase Programloans (G)

Prosperity Bancshares, Inc.® Notes to Selected Financial Data (Unaudited) (Dollars and share amounts in thousands, except per share data)

NOTES TO SELECTED FINANCIAL DATA

Prosperity's management uses certain non-GAAP (generally accepted accounting principles) financial measures to evaluate its performance. Specifically, for internal planning and forecasting purposes, Prosperity reviews each of diluted earnings per share, return on average assets, return on average common equity, and return on average tangible common equity, in each case excluding merger related provision for credit losses, net of tax, merger related expenses, net of tax, FDIC special assessment, net of tax, and net gain on sale or write-up of securities, net of tax; return on average tangible common equity; tangible book value per share; the tangible equity to tangible assets ratio; allowance for credit losses to total loans excluding Warehouse Purchase Program loans; the efficiency ratio, excluding net gains and losses on the sale, write-down or write-up of assets and securities; and the efficiency ratio, excluding net gains and losses on the sale, write-down or write-up of assets and securities, merger related expenses and FDIC special assessment. In addition, due to the application of purchase accounting, Prosperity uses certain non-GAAP financial measures and ratios that exclude the impact of these items to evaluate its allowance for credit losses to total loans (excluding Warehouse Purchase Program loans). Prosperity has included information below relating to these non-GAAP financial measures for the applicable periods presented.

Three Months Ended Year-to-Date Jun 30, Mar 31, Dec 31, Sep 30, Jun 30, Jun 30, Jun 30, 2025 2025 2024 2024 2024 2025 2024Reconciliation of diluted earnings per share to dilutedearnings per share excluding merger related provision forcredit losses, net of tax, merger related expenses, net of tax,FDIC special assessment, net of tax, and net gain on sale orwrite-up of securities, net of tax:Diluted earnings per share (unadjusted) $ 1.42 $ 1.37 $ 1.37 $ 1.34 $ 1.17 $ 2.79 $ 2.34Net income $ 135,155 $ 130,225 $ 130,076 $ 127,282 $ 111,602 $ 265,380 $ 222,028Merger related provision for credit losses, net of tax(Z) – – – – 7,162 – 7,162Merger related expenses, net of tax(Z) – – – 50 3,461 – 3,461FDIC special assessment, net of tax(Z) – – – – 2,807 – 2,807Net gain on sale or write-up of securities, net of tax(Z) – – – (177) (8,472) – (8,707)Net income excluding merger related provision for credit $ 135,155 $ 130,225 $ 130,076 $ 127,155 $ 116,560 $ 265,380 $ 226,751losses, net of tax, merger related expenses, net of tax, FDICspecial assessment, net of tax, and net gain on sale or write-upof securities, net of tax(Z):Weighted average diluted shares outstanding 95,277 95,266 95,264 95,261 95,765 95,271 94,735Merger related provision for credit losses, net of tax, per $ – $ – $ – $ – $ 0.07 $ – $ 0.07diluted common share(Z)Merger related expenses, net of tax, per diluted common $ – $ – $ – $ – $ 0.04 $ – $ 0.04share(Z)FDIC special assessment, net of tax, per diluted common $ – $ – $ – $ – $ 0.03 $ – $ 0.03share(Z)Net gain on sale or write-up of securities, net of tax, per $ – $ – $ – $ – $ (0.09) $ – $ (0.09)diluted common share(Z)Diluted earnings per share excluding merger related provision $ 1.42 $ 1.37 $ 1.37 $ 1.34 $ 1.22 $ 2.79 $ 2.39for credit losses, net of tax, merger related expenses, net oftax, FDIC special assessment, net of tax, and net gain on saleor write-up of securities, net of tax:(Z)Reconciliation of return on average assets to return onaverage assets excluding merger related provision forcredit losses, net of tax, merger related expenses, net of tax,FDIC special assessment, net of tax, and net gain on sale orwrite-up of securities, net of tax:Return on average assets (unadjusted) 1.41 % 1.34 % 1.31 % 1.28 % 1.12 % 1.37 % 1.13 %Net income excluding merger related provision for credit $ 135,155 $ 130,225 $ 130,076 $ 127,155 $ 116,560 $ 265,380 $ 226,751losses, net of tax, merger related expenses, net of tax, FDICspecial assessment, net of tax, and net gain on sale or write-upof securities, net of tax(Z):Average total assets $ 38,391,214 $ 38,957,078 $ 39,627,399 $ 39,889,202 $ 39,948,848 $ 38,672,013 $ 39,442,163Return on average assets excluding merger related provision 1.41 % 1.34 % 1.31 % 1.28 % 1.17 % 1.37 % 1.15 %for credit losses, net of tax, merger related expenses, net oftax, FDIC special assessment, net of tax, and net gain on saleor write-up of securities, net of tax(F) (Z)(Z) Calculated assuming a federal tax rate of 21.0%. Three Months Ended Year-to-Date Jun 30, Mar 31, Dec 31, Sep 30, Jun 30, Jun 30, Jun 30, 2025 2025 2024 2024 2024 2025 2024Reconciliation of return on average common equity toreturn on average common equity excluding mergerrelated provision for credit losses, net of tax, mergerrelated expenses, net of tax, FDIC special assessment, netof tax, and net gain on sale or write-up of securities, net oftax:Return on average common equity (unadjusted) 7.13 % 6.94 % 7.00 % 6.93 % 6.10 % 7.03 % 6.15 %Net income excluding merger related provision for credit $ 135,155 $ 130,225 $ 130,076 $ 127,155 $ 116,560 $ 265,380 $ 226,751losses, net of tax, merger related expenses, net of tax, FDICspecial assessment, net of tax, and net gain on sale or write-upof securities, net of tax(Z):Average shareholders' equity $ 7,586,290 $ 7,505,801 $ 7,428,665 $ 7,347,265 $ 7,321,257 $ 7,546,269 $ 7,221,251Return on average common equity excluding merger related 7.13 % 6.94 % 7.00 % 6.92 % 6.37 % 7.03 % 6.28 %provision for credit losses, net of tax, merger related expenses,net of tax, FDIC special assessment, net of tax, and net gain onsale or write-up of securities, net of tax(F) (Z)Reconciliation of return on average common equity toreturn on average tangible common equity:Net income $ 135,155 $ 130,225 $ 130,076 $ 127,282 $ 111,602 $ 265,380 $ 222,028Average shareholders' equity $ 7,586,290 $ 7,505,801 $ 7,428,665 $ 7,347,265 $ 7,321,257 $ 7,546,269 $ 7,221,251Less: Average goodwill and other intangible assets (3,563,866) (3,567,421) (3,573,197) (3,576,630) (3,542,427) (3,565,634) (3,500,542)Average tangible shareholders' equity $ 4,022,424 $ 3,938,380 $ 3,855,468 $ 3,770,635 $ 3,778,830 $ 3,980,635 $ 3,720,709Return on average tangible common equity(F) 13.44 % 13.23 % 13.50 % 13.50 % 11.81 % 13.33 % 11.93 %Reconciliation of return on average common equity toreturn on average tangible common equity excludingmerger related provision for credit losses, net of tax,merger related expenses, net of tax, and FDIC specialassessment, net of tax:Net income excluding merger related provision for credit $ 135,155 $ 130,225 $ 130,076 $ 127,155 $ 116,560 $ 265,380 $ 226,751losses, net of tax, merger related expenses, net of tax, FDICspecial assessment, net of tax, and net gain on sale or write-upof securities, net of tax(Z):Average shareholders' equity $ 7,586,290 $ 7,505,801 $ 7,428,665 $ 7,347,265 $ 7,321,257 $ 7,546,269 $ 7,221,251Less: Average goodwill and other intangible assets (3,563,866) (3,567,421) (3,573,197) (3,576,630) (3,542,427) (3,565,634) (3,500,542)Average tangible shareholders' equity $ 4,022,424 $ 3,938,380 $ 3,855,468 $ 3,770,635 $ 3,778,830 $ 3,980,635 $ 3,720,709Return on average tangible common equity excluding merger 13.44 % 13.23 % 13.50 % 13.49 % 12.34 % 13.33 % 12.19 %related provision for credit losses, net of tax, merger relatedexpenses, net of tax, FDIC special assessment, net of tax, andnet gain on sale or write-up of securities, net of tax(F) (Z)Reconciliation of book value per share to tangible bookvalue per share:Shareholders' equity $ 7,599,736 $ 7,517,061 $ 7,438,495 $ 7,361,249 $ 7,283,444 $ 7,599,736 $ 7,283,444Less: Goodwill and other intangible assets (3,561,923) (3,565,533) (3,569,176) (3,574,566) (3,578,431) (3,561,923) (3,578,431)Tangible shareholders' equity $ 4,037,813 $ 3,951,528 $ 3,869,319 $ 3,786,683 $ 3,705,013 $ 4,037,813 $ 3,705,013Period end shares outstanding 95,277 95,258 95,275 95,261 95,262 95,277 95,262Tangible book value per share $ 42.38 $ 41.48 $ 40.61 $ 39.75 $ 38.89 $ 42.38 $ 38.89Reconciliation of equity to assets ratio to period endtangible equity to period end tangible assets ratio:Tangible shareholders' equity $ 4,037,813 $ 3,951,528 $ 3,869,319 $ 3,786,683 $ 3,705,013 $ 4,037,813 $ 3,705,013Total assets $ 38,417,352 $ 38,764,675 $ 39,566,738 $ 40,115,320 $ 39,762,294 $ 38,417,352 $ 39,762,294Less: Goodwill and other intangible assets (3,561,923) (3,565,533) (3,569,176) (3,574,566) (3,578,431) (3,561,923) (3,578,431)Tangible assets $ 34,855,429 $ 35,199,142 $ 35,997,562 $ 36,540,754 $ 36,183,863 $ 34,855,429 $ 36,183,863Period end tangible equity to period end tangible assets ratio 11.58 % 11.23 % 10.75 % 10.36 % 10.24 % 11.58 % 10.24 % Three Months Ended Year-to-Date Jun 30, Mar 31, Dec 31, Sep 30, Jun 30, Jun 30, Jun 30, 2025 2025 2024 2024 2024 2025 2024Reconciliation of allowance for credit losses to total loansto allowance for credit losses on loans to total loansexcluding Warehouse Purchase Program:Allowance for credit losses on loans $ 346,084 $ 349,101 $ 351,805 $ 354,397 $ 359,852 $ 346,084 $ 359,852Total loans $ 22,197,388 $ 21,977,570 $ 22,149,209 $ 22,380,852 $ 22,320,815 $ 22,197,388 $ 22,320,815Less: Warehouse Purchase Program loans (1,287,440) (1,057,893) (1,080,903) (1,228,706) (1,081,403) (1,287,440) (1,081,403)Total loans less Warehouse Purchase Program $ 20,909,948 $ 20,919,677 $ 21,068,306 $ 21,152,146 $ 21,239,412 $ 20,909,948 $ 21,239,412Allowance for credit losses on loans to total loans excluding 1.66 % 1.67 % 1.67 % 1.68 % 1.69 % 1.66 % 1.69 %Warehouse Purchase ProgramReconciliation of efficiency ratio to efficiency ratioexcluding net gains and losses on the sale, write-down orwrite-up of assets and securities:Noninterest expense $ 138,565 $ 140,301 $ 141,545 $ 140,338 $ 152,842 $ 278,866 $ 288,690Net interest income $ 267,722 $ 265,382 $ 267,774 $ 261,691 $ 258,786 $ 533,104 $ 497,030Noninterest income 42,982 41,301 39,837 41,099 46,003 84,283 84,873Less: net gain (loss) on sale or write-down of assets 1,414 (235) 584 3,178 (903) 1,179 (938)Less: net gain on sale or write-up of securities – – – 224 10,723 – 11,021Noninterest income excluding net gains and losses on the sale, 41,568 41,536 39,253 37,697 36,183 83,104 74,790write-down or write-up of assets and securitiesTotal income excluding net gains and losses on the sale, $ 309,290 $ 306,918 $ 307,027 $ 299,388 $ 294,969 $ 616,208 $ 571,820write-down or write-up of assets and securitiesEfficiency ratio, excluding net gains and losses on the sale, 44.80 % 45.71 % 46.10 % 46.87 % 51.82 % 45.26 % 50.49 %write-down or write-up of assets and securitiesReconciliation of efficiency ratio to efficiency ratio,excluding net gains and losses on the sale, write-down orwrite-up of assets and securities, merger related expensesand FDIC special assessment:Noninterest expense $ 138,565 $ 140,301 $ 141,545 $ 140,338 $ 152,842 $ 278,866 $ 288,690Less: merger related expenses – – – 63 4,381 – 4,381Less: FDIC special assessment – – – – 3,554 – 3,554Noninterest expense excluding merger related expenses and $ 138,565 $ 140,301 $ 141,545 $ 140,275 $ 144,907 $ 278,866 $ 280,755FDIC special assessmentNet interest income $ 267,722 $ 265,382 $ 267,774 $ 261,691 $ 258,786 $ 533,104 $ 497,030Noninterest income 42,982 41,301 39,837 41,099 46,003 84,283 84,873Less: net gain (loss) on sale or write down of assets 1,414 (235) 584 3,178 (903) 1,179 (938)Less: net gain on sale or write-up of securities – – – 224 10,723 – 11,021Noninterest income excluding net gains and losses on the sale, 41,568 41,536 39,253 37,697 36,183 83,104 74,790write-down or write-up of assets and securitiesTotal income excluding net gains and losses on the sale, $ 309,290 $ 306,918 $ 307,027 $ 299,388 $ 294,969 $ 616,208 $ 571,820write-down or write-up of assets and securitiesEfficiency ratio, excluding net gains and losses on the sale, 44.80 % 45.71 % 46.10 % 46.85 % 49.13 % 45.26 % 49.10 %write-down or write-up of assets and securities, merger relatedexpenses and FDIC special assessment

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