HIGHBuilt-inLoan_portfolio
80%
real estate loan portfolio
“10-K Item 1A: 'Approximately 80.0% of the Company's total loans as of December 31, 2025, consisted of loans included in the real estate loan portfolio'”
PB · Concentration risk · 10-K extracted
Prosperity Bancshares (PB) concentration risks
Updated
The most significant concentration Prosperity Bancshares discloses is real estate loan portfolio at 80%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Prosperity Bancshares’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 4 disclosed concentrations
HIGH2
MEDIUM2
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
HIGHBuilt-inGeographic
Texas and Oklahoma
“10-K Item 1A: 'success depends primarily on the general economic conditions of the primary markets in Texas and Oklahoma ... where its loans are concentrated'”
MEDIUMBuilt-inLoan_portfolio
37.9%
residential real estate loans
“10-K Item 1A: '37.9% in residential real estate (including home equity)'”
MEDIUMBuilt-inLoan_portfolio
29.5%
commercial real estate loans
“10-K Item 1A: '29.5% in commercial real estate (including farmland and multifamily residential)'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The bank's loan portfolio is heavily weighted toward real estate: approximately 80.0% of total loans as of December 31, 2025 consisted of loans in the real estate loan portfolio — a high-share structural concentration that is characteristic of community and regional banks but leaves earnings materially exposed to real estate cycles. Within that portfolio, the geographic footprint is also concentrated, with the company's primary markets in Texas and Oklahoma representing the dominant lending territories — a high-share structural exposure where a regional downturn or catastrophic event could compress credit quality across a large share of the book simultaneously. Drilling into the real estate mix, residential real estate (including home equity) accounted for 37.9% of the total loan portfolio, a medium-share structural segment that tracks household formation and housing-price trends in the core markets. Commercial real estate (including farmland and multifamily residential) represented 29.5% of the total loan portfolio, also a medium-share structural concentration, where the character of risk shifts toward income-property valuations, cap-rate movements, and vacancy levels. On balance, the concentration profile is dominated by the interplay of the real estate skew and the Texas and Oklahoma geographic focus. Both are structural features of the franchise rather than idiosyncratic bets, but they are also correlated: an energy-price-driven regional downturn in either state could simultaneously affect commercial real estate values, residential prices, and agricultural land collateral across a single, undiversified geography.
For the engine’s reasoning on PB’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| ASB | Associated Banc-Corp | 2 | 3 | 0 | 5 |
| PB● | Prosperity Bancshares, Inc. | 2 | 2 | 0 | 4 |
| BANC | Banc of California, Inc. | 2 | 0 | 0 | 2 |
| AX | Axos Financial, Inc. | 1 | 1 | 0 | 2 |
| AUB | Atlantic Union Bankshares Corpo | 0 | 3 | 0 | 3 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.