Prosperity Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Prosperity Bank runs leaner than most banks of its size. Based in El Campo, Texas, it had $43.9 billion in assets at June 30, 2026, up 14.2% from a year earlier. It spends about 43 cents to bring in each dollar of revenue, lower than about three-quarters of the 127 banks with $10 billion to $100 billion in assets (median 53 cents). It also grew deposits 18.4% over the year, about triple the median of 5.7% for banks its size.
Net income for the quarter rose 25% from a year earlier, to $172 million. Over the same year, loans grew 12.8% and deposits grew 18.4%. Profitability lags: it returns 8.5% a year on shareholders' equity, lower than about three-quarters of banks its size (median 11.1%).
As of June 30, 2026, Prosperity Bank reported a CET1 capital ratio of 15.24%, a return on assets of 1.58%, a nonperforming-loan ratio of 0.48% and a Texas ratio of 2.82%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1301 N Mechanic St, El Campo, TX 77437
- County
- Wharton
- Metro Area
- El Campo, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- September 13, 1949
- Former names
- First Prosperity Bank (1992-2001); First Bank (1984-1992); Allied First Bank (1981-1984); First Bank of Edna (1977-1981)
- Offices
- 406 domestic
- Employees (FTE)
- 4,324
- Domestic deposits
- $32.93B
- Allowance for credit losses
- $382.8M
- Net charge-offs (YTD)
- $43.5M
- Average total assets
- $43.44B
- Average total loans
- $25.08B
- Average interest-bearing deposits
- $21.85B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- September 13, 1949
- FDIC Cert
- 16835
- Fed RSSD
- 664756
- SEC CIK
- 1068851 → filed by PROSPERITY BANCSHARES, INC.
- Website
- www.prosperitybankusa.com →
- Parent Holding Company
- PROSPERITY BANCSHARES, INC. (RSSD 1109599) · PB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| David Zalman | CEO | Senior Chairman & CEO |
| Kevin J Hanigan | COO | President & COO |
| Asylbek Osmonov | CFO | CFO |
| Charlotte M Rasche | GC | EVP and General Counsel |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Prosperity Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Prosperity Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Prosperity Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.24% | 1.58% | 0.48% | 2.82% | 3.47% |
| Q1 2026 | 14.79% | 1.15% | 0.43% | 2.69% | 3.45% |
| Q4 2025 | 16.51% | 1.54% | 0.63% | 3.63% | 3.33% |
| Q3 2025 | 16.52% | 1.48% | 0.48% | 2.82% | 3.27% |
| Q2 2025 | 16.10% | 1.43% | 0.46% | 2.64% | 3.18% |
| Q1 2025 | 15.92% | 1.37% | 0.33% | 2.00% | 3.11% |
| Q4 2024 | 16.36% | 1.34% | 0.34% | 1.93% | 3.05% |
| Q3 2024 | 15.79% | 1.31% | 0.38% | 2.17% | 2.97% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 344 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Plano Branch | Plano , TX | 75024 | $1.47B |
| Victoria Main | Victoria , TX | 77901 | $812.1M |
| Texas Avenue Branch | Odessa , TX | 79761 | $737.1M |
| Midland Wall St Branch | Midland , TX | 79701 | $736.3M |
| Texas Partners Bank Branch | San Antonio , TX | 78213 | $679.5M |
| Harvard Branch - Tulsa Ok | Tulsa , OK | 74112 | $664.8M |
| Prosperity Bank (main office) | El Campo , TX | 77437 | $569.2M |
| American State Bank Branch | Lubbock , TX | 79401 | $553.1M |
| Austin Branch | Austin , TX | 78759 | $526.9M |
| River Oaks Branch | Houston , TX | 77027 | $514.5M |
| American Bank Branch | Corpus Christi , TX | 78401 | $492.5M |
| Sugar Land Branch | Sugar Land , TX | 77478 | $449.3M |
| Bryan Branch | Bryan , TX | 77802 | $362.4M |
| Pearl Office | San Antonio , TX | 78215 | $346.1M |
| Cinco Ranch Branch | Katy , TX | 77494 | $326.7M |
| Corpus Christi Branch | Corpus Christi , TX | 78411 | $318.1M |
| Congress | Austin , TX | 78701 | $306.1M |
| Big Spring Branch | Big Spring , TX | 79720 | $281.1M |
| Bay City North Branch | Bay City , TX | 77414 | $272.4M |
| Ok-Express Way | Oklahoma City , OK | 73112 | $256.9M |
| 15th Street Branch | Plano , TX | 75075 | $255.7M |
| Odessa Branch | Odessa , TX | 79762 | $243.8M |
| Bellaire Branch | Houston , TX | 77081 | $235.1M |
| Port Aransas Branch | Port Aransas , TX | 78373 | $231.6M |
| Liberty Branch | Liberty , TX | 77575 | $226.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2026 | Structure Change | Acquired Stellar Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 2, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2026 | Structure Change | Acquired Texas Partners Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2026 | Structure Change | Acquired American Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2024 | Structure Change | Acquired Lone Star State Bank of West Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2023 | Structure Change | Acquired FirstCapital Bank of Texas, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2019 | Structure Change | Acquired LegacyTexas Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2016 | Structure Change | Acquired Tradition Bank - Bellaire Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2014 | Structure Change | Acquired The F&M Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2013 | Structure Change | Acquired First Victoria National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2013 | Structure Change | Acquired Coppermark Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2013 | Structure Change | Acquired First Federal Bank Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2012 | Structure Change | Acquired Community National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2012 | Structure Change | Acquired American State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2012 | Structure Change | Acquired The Bank Arlington Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2012 | Structure Change | Acquired Bank of Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 8, 2008 | Structure Change | Acquired Franklin Bank, S.S.B. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 7, 2008 | Merger | Participated in FDIC Assisted Merger | FDIC |
| June 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2008 | Structure Change | Acquired 1st Choice Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2007 | Structure Change | Acquired The Bank of Navasota, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2007 | Structure Change | Acquired Northwest Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 31, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2006 | Structure Change | Acquired Southern National Bank of Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2005 | Structure Change | Acquired First State Bank, Grapeland, Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2005 | Structure Change | Acquired FirstCapital Bank, SSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2004 | Structure Change | Acquired Village Bank & Trust, S.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 46 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Prosperity Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- March 3, 1992, Federal Reserve: Written Agreement: Prosperity Bank and Trust Company, Springfield, VA
- Period: Most recent institution action March 3, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.0% of deposits in TX, rank 7 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 4,923 applications, 2,415 loans originated, $1.12B originated, across 19 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 14 loans, $15.3M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 60 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Prosperity Bank
What are Prosperity Bank's total assets?
As of the Q2 2026 filing, Prosperity Bank reported total assets of $43.88 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Prosperity Bank headquartered?
Prosperity Bank is headquartered in El Campo, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Prosperity Bank founded?
Prosperity Bank was established in 1949, per the FDIC institution directory.
Is Prosperity Bank FDIC-insured?
Yes. Prosperity Bank is an FDIC-insured commercial bank (FDIC Certificate #16835). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Prosperity Bank?
Prosperity Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Prosperity Bank's CET1 capital ratio?
Prosperity Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.24% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Prosperity Bank operate?
Prosperity Bank operates 406 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Prosperity Bank's Texas Ratio?
Prosperity Bank's Texas Ratio is 2.82% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Prosperity Bank previously called?
The charter now named Prosperity Bank has also operated as First Prosperity Bank (1992-2001), First Bank (1984-1992), Allied First Bank (1981-1984), First Bank of Edna (1977-1981), per FDIC structure-change records.
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