PROSPERITY BANK

EL CAMPO, TX | Regional | Est. Sept. 13, 1949, midnight | FDIC #16835 | RSSD #664756 | FDIC
Latest Report: 2025-12-31

PROSPERITY BANK is arn regional FDIC-insured commercial bank headquartered in EL CAMPO, TX, established in Sept. 13, 1949, midnight. As of 2025-12-31, the bank reported total assets of $38.5B and total deposits of $28.8B. Profitability stands at 1.51% ROA and 7.82% ROE, with a net interest margin of 3.13%. The bank's CET1 capital ratio is 16.51%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.63% and a Texas Ratio of 1.95%. FDIC Certificate #16835.

Assets

$38.5B

Deposits

$28.8B

Loans

$21.8B

Equity

$7.4B

Profitability

Return on Assets (ROA) 1.51%
Return on Equity (ROE) 7.82%
Net Interest Margin (NIM) 3.13%
Yield on Assets 4.39%
Cost of Funds 1.55%

Asset Quality

NPL Ratio 0.63%
Net Charge-Off Ratio 0.08%
Texas Ratio 1.95%
NPA Ratio 0.39%
ACL / Loans 1.53%

Capital & Liquidity

CET1 Ratio 16.51%
Tier 1 Capital 16.51%
Total Capital Ratio 17.76%
Leverage Ratio 11.22%
Loan-to-Deposit 75.80%

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