Prosperity Bancshares, Inc. · NYSE:PB
Prosperity Bancshares — Merger or Acquisition (July 2025)
13 slides from Prosperity Bancshares's merger presentation, Jul 18, 2025
Slide 1: Announces the acquisition of American Bank Holding Corporation
Announces the acquisition of American Bank Holding Corporation the Bank Holding Company for: July 18, 2025
Slide 2: Cautionary Note on Forward Looking Statements
Cautionary Note on Forward Looking Statements This presentation 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
Slide 3: American Bank Holding Corporation
American Bank Holding Corporation Company History 1970 American Bank established in Corpus Christi ▪ 18 full-service branches and two LPOs across five different markets located throughout South and Central Texas 2000 Opened Westlake location in Austin ▪ Experienced wealth management and treasury man
Slide 4: Pro Forma Franchise Overview
Pro Forma Franchise Overview Overview & Strategic Rationale Pro Forma Branch Footprint Pro Forma Overview PB ABHC Pro Forma Assets ($bn) $38.8 $2.5 $41.3 Loans ($bn) $22.0 $1.8 $23.8 Deposits ($bn) $28.0 $2.3 $30.3 Loans / Deposits 78.4% 77.4% 78.2% Cost of Deposits 1.38% 1.66% 1.40% Branches (#) 28
Slide 5: Bolstering Our Central & South Texas Franchise
Bolstering Our Central & South Texas Franchise Corpus Christi San Antonio Austin Victoria $9.9 Billion $179 Billion $67.3 Billion $6.0 Billion Total Deposits Total Deposits Total Deposits Total Deposits ~550K ~2.7M ~2.5M ~174K Population Population Population Population ▪ Corpus Christi is the eight
Slide 6: Pro Forma Loans & Deposits
Pro Forma Loans & Deposits Loan Portfolio ($ in Billions) Key: Commercial RE Construction Pro Commercial & Industrial Forma Mortgage Warehouse 1-4 Family Consumer & Other Ag (Inc. Farm) Total Loans: $1.8bn Total Loans: $22.0bn Total Loans: $23.8bn Yield: 6.43% Yield: 5.92% Yield: 5.97% Deposit Portf
Slide 7: Deal Overview
Deal Overview ● American Bank Holding Corporation to merge into Prosperity Bancshares Inc.; American Bank to merge into Prosperity Bank ● 100% stock consideration Transaction Structure ● 4,439,981 shares of Prosperity common stock to be issued for all outstanding shares of ABHC, subject to certain p
Slide 8: Financial Assumptions
Financial Assumptions Based on consensus estimates for Prosperity Bancshares, Inc. and internally prepared projections for Earnings Projections ● American Bank Holding Corporation ● Cost savings of 40.0% of ABHC's 2025 projected non-interest expense base Targeted Cost Savings ● Cost savings phased-i
Slide 9: Total Shareholder Return
Total Shareholder Return Total shareholder return driven by our organic growth and successful M&A strategy. Prosperity has completed 30 M&A transactions since 2000. 1 Commercial Bancshares, Inc. 11 Liberty Bank 21 The Bank Arlington 28 LegacyTexas Financial Group 2 Texas Guaranty Bank, N.A. 12 Villa
Slide 10: Prosperity is Doing Things Right
Prosperity is Doing Things Right • 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 • Prosperity was named the “Best Overall Bank in Texas” by Money for 2024-2025 • Prosperity was ranked among “
Slide 11: Focused on Sustainability & Social Responsibility
Focused on Sustainability & Social Responsibility Social Practices IN THE COMMUNITY Engagement & Belonging Through community giving and sponsorships, in 2024 The Company: • Prosperity is committed to fostering, cultivating and preserving a culture of engagement and belonging with its • Donated more
Slide 12: Important Information
Important Information 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 transact
Slide 13: Greet The Customer With A Smile
Greet The Customer With A Smile Address Our Customer By Name Try to Say Yes Instead of No Thank the Customer for Banking With Us
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