Prosperity Bank
Total assets
$43.88B
▲ +14.2% YoY
Deposits
$32.93B
▲ +18.4% YoY
Loans
$24.65B
▲ +12.8% YoY
Offices
406
PROSPERITY BANCSHARES INC
ROA (annualized)
1.37%
peers 1.23%
ROE (annualized)
7.42%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | Prosperity Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.2% | +5.9% | +8.3 pts |
| Deposit growth (YoY) | +18.4% | +5.7% | +12.8 pts |
| Loan growth (YoY) | +12.8% | +6.9% | +5.8 pts |
| ROA | 1.37% | 1.23% | +0.1 pts |
| ROE | 7.4% | 11.2% | -3.8 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
Profile
- Established
- 1949
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- PROSPERITY BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 1301 N Mechanic St, El Campo, TX, 77437
- County
- Wharton
- Metro area
- El Campo, TX
- Offices
- 406
- FDIC cert #
- 16835
- RSSD ID
- 664756
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $43.88B | $32.93B | $24.65B | $8.11B | $293.3M | 1.37% | 3.52% | 0.30% |
| Q1 2026 | $43.61B | $32.95B | $24.90B | $8.02B | $121.2M | 1.15% | 3.52% | 0.28% |
| Q4 2025 | $38.46B | $28.77B | $21.47B | $7.37B | $556.3M | 1.44% | 3.23% | 0.39% |
| Q3 2025 | $38.36B | $28.16B | $21.69B | $7.42B | $411.7M | 1.42% | 3.21% | 0.31% |
| Q2 2025 | $38.43B | $27.80B | $21.85B | $7.36B | $270.6M | 1.39% | 3.17% | 0.29% |
| Q1 2025 | $38.76B | $28.32B | $21.63B | $7.28B | $133.0M | 1.36% | 3.13% | 0.21% |
| Q4 2024 | $39.60B | $28.46B | $21.80B | $7.42B | $493.1M | 1.25% | 2.98% | 0.21% |
| Q3 2024 | $40.11B | $28.20B | $22.03B | $7.34B | $359.8M | 1.22% | 2.94% | 0.22% |
Loan mix (Q2 2026): real estate $19.68B · commercial $2.61B · consumer $130.9M · securities $12.34B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Prosperity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 1.23% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 11.3% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.55% | 48th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.6% | 54.9% | 30th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Prosperity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Prosperity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Prosperity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Prosperity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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