# Prosperity Bancshares competitors: and the alternatives

Source: https://www.bankingnewsai.com/banks/prosperity/competitors
Last updated: Oct 20, 2026

*Part of the [Prosperity Bancshares AI strategy profile](https://www.bankingnewsai.com/banks/prosperity). Peer group: Cullen/Frost Bankers, Texas Capital Bancshares, BOK Financial Corporation, Hilltop Holdings, First Financial Bankshares, BancFirst Corporation, Home BancShares (Centennial Bank), Arvest Bank.*

## Who are Prosperity Bancshares's competitors, and what are the alternatives?

Prosperity's 2025 10-K, filed February 26, 2026, says it competes with 'other commercial banks, savings banks, savings and loan associations, credit unions, finance companies, mutual funds, insurance companies, brokerage and investment banking firms, asset-based nonbank lenders, financial technology companies' and retailers with their own credit programs, and that 'many of which are larger and may have more financial resources'. Its market is Texas and Oklahoma, with 283 banking locations at the end of 2025 and 363 after the Stellar deal. In Texas, the FDIC's June 2025 data ranked it 10th by deposits with $26.3 billion in 296 offices, behind JPMorgan Chase ($296.1 billion), Bank of America, Wells Fargo, Frost ($42.2 billion in 213 offices), PNC and Texas Capital; Schwab Bank and USAA also book large deposits in Texas from a single office each. After Stellar it says it holds the number-five deposit share in Houston. Texas is also where out-of-state banks are buying in: Huntington bought Veritex and Cadence, Fifth Third converted Comerica's branches, and Frost is adding about 15 branches in 2026. Management blamed a 1% loan decline in Q2 2026 on newcomers offering 'ridiculous' loan structures. In Oklahoma it ranked 14th, behind BOK Financial, BancFirst and Arvest. The non-bank rivals are fintechs: Chime sells a branchless account, and Block lists banks among Square's competitors. ([Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [Dallas Business Journal](https://bizjournals.com/dallas/news/2025/10/27/huntington-veritex-cadence-integration.html), [Huntington (PR Newswire)](https://www.prnewswire.com/news-releases/huntington-bank-completes-merger-with-cadence-bank-expanding-presence-across-texas-and-the-south-302676243.html), [Fifth Third](https://53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-09-08.html), [Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/), [American Banker](https://www.americanbanker.com/news/prosperity-blames-loan-growth-woes-on-newcomers-pricing), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm))

## What does Prosperity say about its competition?

"The banking business is highly competitive, and the profitability of the Company depends principally on its ability to compete in its market areas. The Company competes with other commercial banks, savings banks, savings and loan associations, credit unions, finance companies, mutual funds, insurance companies, brokerage and investment banking firms, asset-based nonbank lenders, financial technology companies and certain other nonfinancial entities, including retail stores that may maintain their own credit programs and certain governmental organizations that may offer more favorable financing than the Company. Continued consolidation and rapid technological changes within the financial services industry will likely change the nature and intensity of competition, but should also create opportunities for the Company to demonstrate and leverage its competitive advantages. The Company believes it has been able to compete effectively with other financial institutions by emphasizing customer service, technology and responsive decision-making with respect to loans, by establishing long-term customer relationships and building customer loyalty and by providing products and services designed to address the specific needs of its customers." ([Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm))

From the risk factors of the same 10-K: "The Company faces substantial competition in all areas of its operations from a variety of different competitors, many of which are larger and may have more financial resources. These competitors primarily include national, regional, and community banks within the various markets where the Company operates. The Company also faces competition from many other types of financial institutions, including savings and loans, credit unions, finance companies, brokerage firms, insurance companies, financial technology (fintech) companies and other financial intermediaries." ([Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm))

And: "Technology and other changes have lowered barriers to entry and made it possible for non-banks to offer products and services functionally equivalent to those provided by banks. In addition, the emergence, adoption and evolution of new technologies that do not require intermediation, including distributed ledgers such as digital assets and blockchain, as well as advances in robotic process automation, could significantly affect the competition for financial services." It adds that "many of the Company's competitors have substantially greater resources to invest in technological improvements." (Form 10-K for 2025, filed February 26, 2026.) ([Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm))

## Who competes with Prosperity in each of its businesses?

| Business line | Competitor | Type | Why it competes |
| --- | --- | --- | --- |
| Home region: Texas and Oklahoma | [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Bank | First in Texas by deposits in June 2025, with $296.1 billion (19.76%) in 481 offices, more than ten times Prosperity's $26.3 billion in 296 offices. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| Home region: Texas and Oklahoma | [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Bank | Third in Texas with $182.3 billion of deposits in 320 offices (June 2025), one of the national banks Prosperity's 10-K describes as larger with more financial resources. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm)) |
| Home region: Texas and Oklahoma | [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | Bank | Fifth in Texas with $82.1 billion of deposits in 463 offices (June 2025), more Texas offices than any other bank. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| Home region: Texas and Oklahoma | [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | Bank | Sixth in Texas with $42.2 billion of deposits in 213 offices (June 2025); it planned about 15 new branches and 150 hires for 2026 and is targeting customers disrupted by rivals' mergers. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/)) |
| Home region: Texas and Oklahoma | [Texas Capital](https://www.bankingnewsai.com/banks/texas-capital) | Bank | Ninth in Texas with $26.5 billion of deposits in 10 offices (June 2025), just above Prosperity; its 10-K says Texas businesses want a bank 'both headquartered and with decision-making authority based in Texas'. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000010/tcbi-20251231.htm)) |
| Home region: Texas and Oklahoma | [Hilltop Holdings (PlainsCapital Bank)](https://www.bankingnewsai.com/banks/hilltop) | Bank | Hilltop's PlainsCapital Bank held $10.5 billion of Texas deposits in 56 offices (16th, June 2025), and its PrimeLending mortgage arm had put 15 AI tools to work by November 2024. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [HousingWire](https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough)) |
| Home region: Texas and Oklahoma | [BOK Financial](https://www.bankingnewsai.com/banks/bok-financial) | Bank | First in Oklahoma by deposits in June 2025, with $20.2 billion (14.25%) in 43 offices; Prosperity ranked 14th with $1.5 billion in 18 offices, mainly in Tulsa and Oklahoma City. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm)) |
| Home region: Texas and Oklahoma | [BancFirst](https://www.bankingnewsai.com/banks/bancfirst) | Bank | Third in Oklahoma with $10.4 billion of deposits in 113 offices (June 2025); it also owns Pegasus Bank in Dallas and Worthington Bank in Fort Worth. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [BancFirst Corporation](https://bancfirst.bank/getContentAsset/559c5e54-8867-4117-b5f1-820cd9e0ca1e/582e10d9-e479-4901-9a67-7b8c0f57354b/2Q-2026-Press-release.pdf?language=en)) |
| Home region: Texas and Oklahoma | [Arvest Bank](https://www.bankingnewsai.com/banks/arvest) | Bank | Fourth in Oklahoma with $7.0 billion of deposits in 79 offices (June 2025); $28.05 billion of total assets at June 30, 2026. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [FDIC](https://api.fdic.gov/banks/financials?filters=CERT%3A8728&fields=REPDTE%2CASSET%2CDEP%2CNUMEMP%2CNETINC&sort_by=REPDTE&sort_order=DESC&limit=4)) |
| Commercial banking: out-of-state banks buying into Texas | [Huntington Bancshares](https://www.bankingnewsai.com/banks/huntington) | Bank | Huntington bought Dallas-based Veritex in October 2025 and Cadence Bank, closing on February 2, 2026 with 390 branches; its CEO calls Texas a springboard. Cadence held $11.6 billion of Texas deposits in 81 offices in June 2025. ([Dallas Business Journal](https://bizjournals.com/dallas/news/2025/10/27/huntington-veritex-cadence-integration.html), [Huntington (PR Newswire)](https://www.prnewswire.com/news-releases/huntington-bank-completes-merger-with-cadence-bank-expanding-presence-across-texas-and-the-south-302676243.html), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| Commercial banking: out-of-state banks buying into Texas | [Fifth Third Bancorp](https://www.bankingnewsai.com/banks/fifth-third) | Bank | Fifth Third absorbed Comerica and in September 2026 moved 293 Comerica banking centers in Arizona, California, Florida, Michigan and Texas onto its platforms; Comerica held $9.4 billion of Texas deposits in 108 offices in June 2025. ([Fifth Third](https://53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-09-08.html), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| Commercial banking: out-of-state banks buying into Texas | Loan-pricing newcomers | Other | Prosperity's management blamed a 1% linked-quarter loan decline in Q2 2026 on competitors, many of them new to its markets, offering loan structures it called 'ridiculous', per American Banker. ([American Banker](https://www.americanbanker.com/news/prosperity-blames-loan-growth-woes-on-newcomers-pricing)) |
| Retail deposits and everyday banking | [Charles Schwab Bank](https://www.bankingnewsai.com/banks/charles-schwab) | Broker or asset manager | Schwab Bank booked $209.5 billion of deposits in a single Texas office in June 2025, 2nd in the state; Prosperity's 10-K lists brokerage firms and mutual funds among its competitors. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm)) |
| Retail deposits and everyday banking | [USAA](https://www.bankingnewsai.com/banks/usaa) | Bank | USAA Federal Savings Bank booked $92.8 billion of deposits in a single Texas office in June 2025, 4th in the state, ahead of every Texas branch network except JPMorgan Chase and Bank of America. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| Retail deposits and everyday banking | [Chime](https://www.bankingnewsai.com/fintech/chime) | Fintech | A fintech of the kind Prosperity's 10-K names; Chime's 10-K claims 'a significant cost advantage compared to traditional banks' and it had 10.4 million active members at June 30, 2026. ([Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results)) |
| Small business and payments | [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Payments company | Block's 10-K lists 'banks that provide payment processing, checking, savings, loans, and payroll' among Square's competitors; Prosperity's 10-K says non-banks now offer products 'functionally equivalent to those provided by banks'. ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm)) |
| Small business and payments | [First Financial Bankshares](https://www.bankingnewsai.com/banks/first-financial-bankshares) | Bank | A Texas bank with 81 locations and $12.6 billion of Texas deposits (13th, June 2025), one of the regional and community banks Prosperity's 10-K names as its primary competitors. ([First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bank-to-open-first-full-service-branch-in-austin-area-with-new-bee-cave-branch-302893317.html), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm)) |

## How do the AI and digital offerings of Prosperity's competitors compare?

Prosperity first, then each competitor. Use-case counts, index scores and latest moves are computed from our profiles of each company; "No profile" means this site has no page on it yet.

| Company | AI or digital offering | On the record (our profiles) | Latest dated AI move |
| --- | --- | --- | --- |
| [Prosperity Bancshares (this page)](https://www.bankingnewsai.com/banks/prosperity) | Real-time core (converted February 2026) ([Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Prosperity Bank](https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/06/Earnings-Release_Q1-2026_2.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) | [Index 40 (#71); 8 use cases, 4 in production](https://www.bankingnewsai.com/banks/prosperity) | Q2 2026 10-Q repeats the AI risk bullet (Aug 6, 2026) ([Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526338254/pb-20260630.htm)) |
| [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | LLM Suite for employees; a consumer travel agent targeted for pilot before end-2026 ([JPMorganChase](https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/2026-company-updates/company-update-chairman-ceo-transcript.pdf), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-chase-lake-agentic-ai-commerce-adoption/822426)) | [Index 89 (#6); 15 use cases, 8 in production](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Q3 2026 call: outside AI agents stay blocked; AI spend put near $700 million (Oct 13, 2026) ([CNBC](https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870), [American Banker](https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents)) |
| [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Erica virtual assistant: more than 24.6 million clients helped ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) | [Index 97.3 (#1); 18 use cases, 16 in production](https://www.bankingnewsai.com/banks/bank-of-america) | Treasury, FinCEN and OCC impose $1.21 billion in AML and sanctions penalties (Oct 13, 2026) ([U.S. Department of the Treasury](https://home.treasury.gov/news/press-releases/sb0657), [Office of the Comptroller of the Currency](https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html), [Banking Dive](https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915)) |
| [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | Fargo virtual assistant: more than 1 billion interactions (March 2026) ([Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones)) | [Index 88.8 (#7); 16 use cases, 13 in production](https://www.bankingnewsai.com/banks/wells-fargo) | Q3 2026 call: AI agents in code, marketing, cyber, underwriting (Oct 13, 2026) ([PYMNTS](https://pymnts.com/earnings/2026/wells-fargo-enhances-banking-capabilities-using-ai-and-digital-assets), [Wells Fargo](https://www.wellsfargo.com/assets/pdf/about/investor-relations/earnings/third-quarter-2026-earnings.pdf)) |
| [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | Blend digital account opening: completion rate up from 50% to 80% (August 2026) ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1)) | [Index 49.3 (#58); 9 use cases, 7 in production](https://www.bankingnewsai.com/banks/frost) | Blend 'Ecosystem Expander' award (Aug 27, 2026) ([Business Wire via Yahoo Finance](https://finance.yahoo.com/small-business/articles/blend-honors-seven-customers-best-200000530.html)) |
| [Texas Capital](https://www.bankingnewsai.com/banks/texas-capital) | Ranger in-house multi-LLM platform used by about 80% of employees ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) | [Index 49.1 (#60); 12 use cases, 8 in production](https://www.bankingnewsai.com/banks/texas-capital) | Chief risk officer departs; chief credit officer steps in (Sep 16, 2026) ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000063/tcbi-20260916.htm)) |
| [Hilltop Holdings (PlainsCapital Bank)](https://www.bankingnewsai.com/banks/hilltop) | Not disclosed | [Index 30.7 (#87); 9 use cases, 6 in production](https://www.bankingnewsai.com/banks/hilltop) | HilltopSecurities survey: 50% of public finance leaders use AI daily or weekly (Oct 7, 2026) ([Business Wire (Yahoo Finance)](https://finance.yahoo.com/economy/policy/articles/public-finance-leaders-embrace-innovation-120000828.html)) |
| [BOK Financial](https://www.bankingnewsai.com/banks/bok-financial) | Vanilla for trust reviews: about 4 hours saved per initial review (vendor-reported) ([Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster)) | [Index 41.8 (#69); 6 use cases, 4 in production](https://www.bankingnewsai.com/banks/bok-financial) | 18th for customer reputation (Aug 17, 2026) ([American Banker](https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers)) |
| [BancFirst](https://www.bankingnewsai.com/banks/bancfirst) | Not disclosed | [Index 11.3 (#101); 7 use cases, 6 in production](https://www.bankingnewsai.com/banks/bancfirst) | 10-Q lists AI among technology and competition risks (Aug 7, 2026) ([BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526339980/banf-20260630.htm)) |
| [Arvest Bank](https://www.bankingnewsai.com/banks/arvest) | Cloud-native core with Thought Machine and Google Cloud ([Arvest Bank (PR Newswire)](https://www.prnewswire.com/news-releases/arvest-bank-launches-real-time-banking-capabilities-using-thought-machine-core-technology-301754260.html), [American Banker](https://www.americanbanker.com/news/are-banks-saving-money-as-they-migrate-to-the-cloud)) | [Index 37.2 (#79); 11 use cases, 4 in production](https://www.bankingnewsai.com/banks/arvest) | Security engineer on agentic-AI risk (May 5, 2026) ([Trent AI (Business Wire)](https://www.businesswire.com/news/home/20260505309646/en/Trent-AI-Announces-AI-Security-Maturity-Model-for-Agentic-Era)) |
| [Huntington Bancshares](https://www.bankingnewsai.com/banks/huntington) | 50 AI agents in production and 60+ in development (April 2026) ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/)) | [Index 84.2 (#13); 17 use cases, 15 in production](https://www.bankingnewsai.com/banks/huntington) | Named a Coverbase enterprise customer (Sep 29, 2026) ([Coverbase (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/09/29/3370991/0/en/coverbase-adds-third-party-risk-veterans-as-enterprise-adoption-accelerates.html)) |
| [Fifth Third Bancorp](https://www.bankingnewsai.com/banks/fifth-third) | Jeanie virtual assistant, bilingual in English and Spanish ([Investing.com](https://investing.com/news/transcripts/fifth-third-at-barclays-conference-comerica-deal-lifts-growth-plans-93CH-4901613)) | [Index 84 (#14); 13 use cases, 10 in production](https://www.bankingnewsai.com/banks/fifth-third) | AI chief Jay Budzik describes the lending-model upgrade (Oct 12, 2026) ([Northwestern McCormick School of Engineering](https://mccormick.northwestern.edu/computer-science/news-events/news/articles/2026/alum-spotlight-jay-budzik.html)) |
| Loan-pricing newcomers | Not disclosed | No profile | Not disclosed |
| [Charles Schwab Bank](https://www.bankingnewsai.com/banks/charles-schwab) | Charley, Portfolio Insights, Schwab Knowledge Assistant and Schwab Advisor AI in Action ([Charles Schwab](https://pressroom.aboutschwab.com/press-releases/press-release/2026/Meet-Charley-Schwabs-New-AI-Powered-Assistant-Designed-to-Help-Clients-Get-Answers-and-Take-Action/default.aspx), [Charles Schwab](https://pressroom.aboutschwab.com/press-releases/press-release/2026/Charles-Schwab-Launches-AI-Powered-Capability-That-Helps-Investors-Understand-Portfolio-Performance-and-Market-Activity/default.aspx), [Charles Schwab](https://www.aboutschwab.com/mss/story/ai-on-the-other-end-of-the-line), [Charles Schwab](https://pressroom.aboutschwab.com/press-releases/press-release/2026/Schwab-Study-Reveals-RIA-AI-Adoption-More-Than-Doubles---But-Most-Firms-Still-in-Early-Stages/default.aspx), [Banking Dive](https://bankingdive.com/news/charles-schwab-bank-ceo-paul-woolway-retire-tyler-woulfe/811079)) | [Index 80.7 (#19); 19 use cases, 15 in production](https://www.bankingnewsai.com/banks/charles-schwab) | How Charley was built: employee testing, confirmation before any change (Oct 8, 2026) ([Traders Magazine](https://www.tradersmagazine.com/featured_articles/charles-schwabs-amy-ruegg-ai-can-make-investing-easier-but-human-expertise-remains-key/)) |
| [USAA](https://www.bankingnewsai.com/banks/usaa) | EagleGPT ([TechTarget](https://www.techtarget.com/ai/news/366623771/USAA-takes-an-experiment-and-see-approach-with-AI)) | [Index 63.1 (#46); 14 use cases, 8 in production](https://www.bankingnewsai.com/banks/usaa) | USAA and Bank of America cross-license patent portfolios (Aug 4, 2026) ([Banking Dive](https://bankingdive.com/news/usaa-bank-of-america-patent-agreement-bofa/827102), [American Banker](https://americanbanker.com/news/usaa-and-bofa-swap-patent-rights-in-first-two-way-deal)) |
| [Chime](https://www.bankingnewsai.com/fintech/chime) | Jade, an in-app AI financial partner available to some members ([Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) | [8 use cases, 6 in production](https://www.bankingnewsai.com/fintech/chime) | Agreement to acquire Stride Bank (Sep 8, 2026) ([Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank)) |
| [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Managerbot, an AI business agent for Square sellers ([Square](https://squareup.com/us/en/press/managerbot-open-beta)) | [7 use cases, 6 in production](https://www.bankingnewsai.com/fintech/block) | Q2 2026: Moneybot passes 1 million weekly engaged accounts (Aug 5, 2026) ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm)) |
| [First Financial Bankshares](https://www.bankingnewsai.com/banks/first-financial-bankshares) | Not disclosed | [Index 0.9 (#120); 1 use cases, 0 in production](https://www.bankingnewsai.com/banks/first-financial-bankshares) | First full-service Austin-area branch (Sep 29, 2026) ([First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bank-to-open-first-full-service-branch-in-austin-area-with-new-bee-cave-branch-302893317.html)) |

## Who should look beyond Prosperity, and where?

| If you are | Look at | Why |
| --- | --- | --- |
| Customers who want an AI virtual assistant in their banking app | [Bank of America (Erica) or Wells Fargo (Fargo)](https://www.bankingnewsai.com/banks/bank-of-america) | Prosperity has disclosed no customer-facing AI. Bank of America says Erica has helped more than 24.6 million clients and Wells Fargo says Fargo passed 1 billion interactions in March 2026; both rank in Texas's top five by deposits. ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| People who need branches outside Texas and Oklahoma | [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Prosperity's 283 locations at the end of 2025 were all in Texas and Oklahoma. Chase reported 5,083 branches in 2025 and leads Texas by deposits. ([Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| Customers who want to open accounts online | [Frost](https://www.bankingnewsai.com/banks/frost) | Prosperity discloses no online account-opening figures. Frost says 53% of its consumer deposit accounts were opened online in Q2 2026 and its Blend-based process lifted completion rates from 50% to 80%. ([Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1)) |
| Companies that want investment banking from a Texas bank | [Texas Capital](https://www.bankingnewsai.com/banks/texas-capital) | Prosperity is a commercial and consumer bank. Texas Capital's investment-banking and advisory fees doubled year on year to $32 million in Q1 2026, and its 10-K lists corporate and investment banking among its national lines. ([Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm), [American Banker](https://www.americanbanker.com/news/texas-capital-buoyed-by-turnaround-to-pay-first-ever-dividend), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000010/tcbi-20251231.htm)) |
| Savers who want an app-only account | [Chime](https://www.bankingnewsai.com/fintech/chime) | Prosperity is a branch bank with 363 locations. Chime's model avoids branches, it had 10.4 million active members at June 30, 2026, and some members can use Jade, its in-app AI financial partner. ([Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) |

## Where does Prosperity rank among Texas banks by deposits?

FDIC Summary of Deposits, June 30, 2025: deposits booked in Texas offices, by bank. Banks that gather deposits nationally (Schwab, USAA, Citibank) book them in one or two Texas offices. Prosperity's figure predates the Stellar merger of July 1, 2026; Stellar Bank held $8.7 billion of Texas deposits.

| Rank | Bank | Texas deposits | Share | Texas offices |
| --- | --- | --- | --- | --- |
| 1 | JPMorgan Chase | $296.1 billion | 19.76% | 481 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| 2 | Charles Schwab Bank | $209.5 billion | 13.99% | 1 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| 3 | Bank of America | $182.3 billion | 12.17% | 320 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| 4 | USAA Federal Savings Bank | $92.8 billion | 6.19% | 1 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| 5 | Wells Fargo | $82.1 billion | 5.48% | 463 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| 6 | Frost Bank | $42.2 billion | 2.81% | 213 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| 8 | PNC | $28.8 billion | 1.92% | 315 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| 9 | Texas Capital Bank | $26.5 billion | 1.77% | 10 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| 10 | Prosperity Bank | $26.3 billion | 1.76% | 296 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| 13 | First Financial Bank | $12.6 billion | 0.84% | 83 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| 14 | Cadence Bank (now Huntington) | $11.6 billion | 0.78% | 81 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [Huntington (PR Newswire)](https://www.prnewswire.com/news-releases/huntington-bank-completes-merger-with-cadence-bank-expanding-presence-across-texas-and-the-south-302676243.html)) |

## Who leads Oklahoma, Prosperity's second state?

FDIC Summary of Deposits, June 30, 2025: deposits booked in Oklahoma offices.

| Rank | Bank | Oklahoma deposits | Share | Offices |
| --- | --- | --- | --- | --- |
| 1 | BOKF (BOK Financial) | $20.2 billion | 14.25% | 43 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| 2 | MidFirst Bank | $16.3 billion | 11.48% | 50 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| 3 | BancFirst | $10.4 billion | 7.36% | 113 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| 4 | Arvest Bank | $7.0 billion | 4.92% | 79 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| 14 | Prosperity Bank | $1.5 billion | 1.04% | 18 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |

## Common questions

### Who are Prosperity Bank's biggest competitors?

In Texas, JPMorgan Chase, Bank of America, Wells Fargo and Frost, which all hold more Texas deposits, along with Texas Capital, Hilltop's PlainsCapital Bank and the out-of-state banks buying into the state, Huntington (Cadence, Veritex) and Fifth Third (Comerica). In Oklahoma, BOK Financial, BancFirst and Arvest. Its 10-K also names credit unions, nonbank lenders and fintechs. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [Huntington (PR Newswire)](https://www.prnewswire.com/news-releases/huntington-bank-completes-merger-with-cadence-bank-expanding-presence-across-texas-and-the-south-302676243.html), [Fifth Third](https://53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-09-08.html), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm))

### Is Frost bigger than Prosperity?

In Texas deposits, yes: Frost held $42.2 billion in 213 offices in June 2025 against Prosperity's $26.3 billion in 296. Prosperity reached about $54 billion of total assets after merging with Stellar on July 1, 2026. On AI disclosure Frost scores 49.3 and Prosperity 40. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal))

### Is Chime a competitor of Prosperity Bank?

By category. Prosperity's 10-K names financial technology companies among its competitors, and Chime's 10-K says its model gives it a cost advantage over traditional banks; Chime had 10.4 million active members in June 2026. Neither company names the other. ([Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results))

### Who is competing with Prosperity for Texas commercial loans?

Texas-based banks such as Frost and Texas Capital, national banks, and banks new to the state: Huntington through Cadence and Veritex, and Fifth Third through Comerica. Prosperity's management blamed a 1% loan decline in Q2 2026 on newcomers offering structures it called 'ridiculous'. ([Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000010/tcbi-20251231.htm), [Dallas Business Journal](https://bizjournals.com/dallas/news/2025/10/27/huntington-veritex-cadence-integration.html), [Fifth Third](https://53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-09-08.html), [American Banker](https://www.americanbanker.com/news/prosperity-blames-loan-growth-woes-on-newcomers-pricing))

### What are alternatives to Prosperity for small business banking?

Square for sellers who want payments and point-of-sale software with banking in one place, and the large Texas banks with more digital tools on the record, such as Bank of America and Wells Fargo. In West and Central Texas, First Financial Bankshares runs 81 locations. ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones), [First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bank-to-open-first-full-service-branch-in-austin-area-with-new-bee-cave-branch-302893317.html))

### Does Prosperity compete with BOK Financial?

Yes, in Oklahoma, where BOK Financial's bank led with $20.2 billion of deposits in June 2025 and Prosperity ranked 14th with $1.5 billion in offices around Tulsa and Oklahoma City. On AI disclosure BOK scores 41.8 and Prosperity 40. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm))

### Is USAA a competitor of Prosperity?

For Texas deposits, by scale: USAA Federal Savings Bank booked $92.8 billion in a single Texas office in June 2025, 4th in the state, and Schwab Bank booked $209.5 billion, 2nd. Prosperity's 10-K lists savings banks, brokerage firms and mutual funds among its competitors. Neither names Prosperity specifically. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm))

### Where does Prosperity rank in Houston?

After absorbing Stellar Bancorp on July 1, 2026, Prosperity says it holds the number-five deposit share in Houston and number one in Beaumont, per its Q2 2026 investor presentation. In June 2025 Stellar Bank held $8.7 billion of Texas deposits in 54 offices. ([Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000))

## Peers on this site

- [Cullen/Frost Bankers AI strategy](https://www.bankingnewsai.com/banks/frost) · [vs peers](https://www.bankingnewsai.com/banks/frost/vs-peers)
- [Texas Capital Bancshares AI strategy](https://www.bankingnewsai.com/banks/texas-capital) · [vs peers](https://www.bankingnewsai.com/banks/texas-capital/vs-peers)
- [BOK Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/bok-financial) · [vs peers](https://www.bankingnewsai.com/banks/bok-financial/vs-peers)
- [Hilltop Holdings AI strategy](https://www.bankingnewsai.com/banks/hilltop) · [vs peers](https://www.bankingnewsai.com/banks/hilltop/vs-peers)
- [First Financial Bankshares AI strategy](https://www.bankingnewsai.com/banks/first-financial-bankshares) · [vs peers](https://www.bankingnewsai.com/banks/first-financial-bankshares/vs-peers)
- [BancFirst Corporation AI strategy](https://www.bankingnewsai.com/banks/bancfirst) · [vs peers](https://www.bankingnewsai.com/banks/bancfirst/vs-peers)
- [Home BancShares (Centennial Bank) AI strategy](https://www.bankingnewsai.com/banks/home-bancshares) · [vs peers](https://www.bankingnewsai.com/banks/home-bancshares/vs-peers)
- [Arvest Bank AI strategy](https://www.bankingnewsai.com/banks/arvest) · [vs peers](https://www.bankingnewsai.com/banks/arvest/vs-peers)

## Sources

1. Prosperity Bancshares Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Prosperity Bancshares (SEC filings), Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm
2. Second Quarter 2026 Investor Presentation — Prosperity Bancshares, Jul 28, 2026. https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf
3. Summary of Deposits, Texas branch offices, June 30, 2025 (BankFind Suite API) — FDIC, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=STALPBR%3ATX+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000
4. On heels of two big deals, Huntington Bank sees Texas as 'springboard' — Dallas Business Journal, Oct 27, 2025. https://bizjournals.com/dallas/news/2025/10/27/huntington-veritex-cadence-integration.html
5. Huntington Bank Completes Merger with Cadence Bank, Expanding Presence Across Texas and the South — Huntington (PR Newswire), Feb 2, 2026. https://www.prnewswire.com/news-releases/huntington-bank-completes-merger-with-cadence-bank-expanding-presence-across-texas-and-the-south-302676243.html
6. Fifth Third Completes Comerica Technology and Brand Conversion — Fifth Third, Sep 8, 2026. https://53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-09-08.html
7. Frost Bank sticks to organic growth as Texas M&A heats up — Banking Dive, Jan 29, 2026. https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/
8. Prosperity blames loan-growth woes on newcomers' pricing — American Banker, Jul 29, 2026. https://www.americanbanker.com/news/prosperity-blames-loan-growth-woes-on-newcomers-pricing
9. Summary of Deposits, Oklahoma branch offices, June 30, 2025 (BankFind Suite API) — FDIC, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=STALPBR%3AOK+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000
10. Chime Financial, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Chime via SEC EDGAR, Mar 6, 2026. https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm
11. Block, Inc. Annual Report 2025 (Form 10-K) — Block, Inc. via SEC EDGAR, Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm
12. Texas Capital Bancshares Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — SEC EDGAR, Feb 10, 2026. https://www.sec.gov/Archives/edgar/data/1077428/000107742826000010/tcbi-20251231.htm
13. 2024 Tech Trendsetter: Kimberly Hartsough — HousingWire, Nov 1, 2024. https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough
14. BancFirst Corporation reports second quarter earnings (2Q 2026 press release) — BancFirst Corporation, Jul 23, 2026. https://bancfirst.bank/getContentAsset/559c5e54-8867-4117-b5f1-820cd9e0ca1e/582e10d9-e479-4901-9a67-7b8c0f57354b/2Q-2026-Press-release.pdf?language=en
15. FDIC BankFind financial data, Arvest Bank (cert 8728), quarter ended 30 June 2026 — FDIC, Jun 30, 2026. https://api.fdic.gov/banks/financials?filters=CERT%3A8728&fields=REPDTE%2CASSET%2CDEP%2CNUMEMP%2CNETINC&sort_by=REPDTE&sort_order=DESC&limit=4
16. Chime Reports Second Quarter 2026 Financial Results — Chime, Aug 5, 2026. https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results
17. FIRST FINANCIAL BANK TO OPEN FIRST FULL-SERVICE BRANCH IN AUSTIN AREA WITH NEW BEE CAVE BRANCH — First Financial Bankshares (PR Newswire), Sep 29, 2026. https://www.prnewswire.com/news-releases/first-financial-bank-to-open-first-full-service-branch-in-austin-area-with-new-bee-cave-branch-302893317.html
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21. Prosperity to acquire rival Houston bank in $2 billion deal — American Banker, Jan 28, 2026. https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal
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25. JPMorgan's Lake sees longer road to agentic commerce adoption — Banking Dive, Jun 10, 2026. https://www.bankingdive.com/news/jpmorgan-chase-lake-agentic-ai-commerce-adoption/822426
26. JPMorgan Chase blocks outside AI agents like Muse, Instinct from directly accessing accounts — CNBC, Oct 13, 2026. https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html
27. JPMorgan CEO Dimon warns customers of 'liability transfer' with AI — Banking Dive, Oct 13, 2026. https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870
28. JPMorgan warns of risks to consumers who rely on AI agents — American Banker, Oct 13, 2026. https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents
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31. OCC Imposes $750 Million Assessment Against Bank of America for Deficient BSA/AML Compliance — Office of the Comptroller of the Currency, Oct 13, 2026. https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html
32. BofA fined $1.21 billion over AML — Banking Dive, Oct 13, 2026. https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915
33. Wells Fargo Reaches Major Digital Milestones — Wells Fargo (Business Wire), Mar 26, 2026. https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones
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35. Wells Fargo Reports Third Quarter 2026 Net Income of $6.0 billion, or $1.87 per Diluted Share — Wells Fargo, Oct 13, 2026. https://www.wellsfargo.com/assets/pdf/about/investor-relations/earnings/third-quarter-2026-earnings.pdf
36. Frost Bank Achieves 60% Increase in Digital Account Openings With Blend — Business Wire via FT Markets, Aug 18, 2026. https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1
37. Blend Honors Seven Customers With Best in Banking Awards at Forum 2026 — Business Wire via Yahoo Finance, Aug 27, 2026. https://finance.yahoo.com/small-business/articles/blend-honors-seven-customers-best-200000530.html
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40. Public Finance Leaders Embrace Innovation While Capacity Constraints Persist, 2026 HilltopSecurities Survey Finds — Business Wire (Yahoo Finance), Oct 7, 2026. https://finance.yahoo.com/economy/policy/articles/public-finance-leaders-embrace-innovation-120000828.html
41. How BOK Financial Streamlines Trust Reviews with Vanilla — Vanilla (vendor case study), Aug 13, 2026. https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster
42. Top Banks by Reputation 2026: Customers — American Banker, Aug 17, 2026. https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers
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44. Arvest Bank launches real-time banking capabilities using Thought Machine core technology — Arvest Bank (PR Newswire), Feb 23, 2023. https://www.prnewswire.com/news-releases/arvest-bank-launches-real-time-banking-capabilities-using-thought-machine-core-technology-301754260.html
45. Are banks saving money as they migrate to the cloud? What you need to know — American Banker, Sep 9, 2024. https://www.americanbanker.com/news/are-banks-saving-money-as-they-migrate-to-the-cloud
46. Trent AI Announces AI Security Maturity Model for Agentic Era — Trent AI (Business Wire), May 5, 2026. https://www.businesswire.com/news/home/20260505309646/en/Trent-AI-Announces-AI-Security-Maturity-Model-for-Agentic-Era
47. At Huntington Bancshares, the CFO is also the AI strategist — Fortune, Apr 24, 2026. https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/
48. Coverbase Adds Third-Party Risk Veterans as Enterprise Adoption Accelerates — Coverbase (GlobeNewswire), Sep 29, 2026. https://www.globenewswire.com/news-release/2026/09/29/3370991/0/en/coverbase-adds-third-party-risk-veterans-as-enterprise-adoption-accelerates.html
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52. Charles Schwab Launches AI-Powered Capability That Helps Investors Understand Portfolio Performance and Market Activity — Charles Schwab, May 5, 2026. https://pressroom.aboutschwab.com/press-releases/press-release/2026/Charles-Schwab-Launches-AI-Powered-Capability-That-Helps-Investors-Understand-Portfolio-Performance-and-Market-Activity/default.aspx
53. AI on the other end of the line (but you're not talking to a computer) — Charles Schwab, Feb 5, 2025. https://www.aboutschwab.com/mss/story/ai-on-the-other-end-of-the-line
54. Schwab Study Reveals RIA AI Adoption More Than Doubles - But Most Firms Still in Early Stages — Charles Schwab, Jan 22, 2026. https://pressroom.aboutschwab.com/press-releases/press-release/2026/Schwab-Study-Reveals-RIA-AI-Adoption-More-Than-Doubles---But-Most-Firms-Still-in-Early-Stages/default.aspx
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56. Charles Schwab's Amy Ruegg: AI Can Make Investing Easier, but Human Expertise Remains Key — Traders Magazine, Oct 8, 2026. https://www.tradersmagazine.com/featured_articles/charles-schwabs-amy-ruegg-ai-can-make-investing-easier-but-human-expertise-remains-key/
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58. Bank of America, USAA ink patent agreement — Banking Dive, Aug 5, 2026. https://bankingdive.com/news/usaa-bank-of-america-patent-agreement-bofa/827102
59. USAA and BofA swap patent rights in first two-way deal — American Banker, Aug 5, 2026. https://americanbanker.com/news/usaa-and-bofa-swap-patent-rights-in-first-two-way-deal
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61. Chime Announces Agreement to Acquire Stride Bank — Chime, Sep 8, 2026. https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank
62. Square Brings Managerbot to More Sellers, Giving Main Street an Intelligent Business Agent — Square, Apr 28, 2026. https://squareup.com/us/en/press/managerbot-open-beta
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66. Texas Capital, buoyed by turnaround, to pay first-ever dividend — American Banker, Apr 23, 2026. https://www.americanbanker.com/news/texas-capital-buoyed-by-turnaround-to-pay-first-ever-dividend

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