Bank Comparison
Comerica Bank vs Prosperity Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 14
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Comerica Bank | Prosperity Bank |
|---|---|---|
| CET1 Ratio | 11.80% | 14.79% |
| Tier 1 Capital Ratio | 11.80% | 14.79% |
| Total Capital Ratio | 13.50% | 15.96% |
| Tier 1 Leverage Ratio | 10.56% | 10.73% |
| Equity / Assets | 9.04% | 18.39% |
Profitability
| Metric | Comerica Bank | Prosperity Bank |
|---|---|---|
| Return on Assets (ROA) | 1.00% | 1.15% |
| Return on Equity (ROE) | 11.58% | 6.30% |
| Net Interest Margin (NIM) | 3.14% | 3.45% |
| Yield on Earning Assets | 4.96% | 4.74% |
| Cost of Funds | 1.97% | 1.45% |
Asset quality
| Metric | Comerica Bank | Prosperity Bank |
|---|---|---|
| Texas Ratio | 6.44% | 4.64% |
| Non-Performing Loan Ratio | 0.88% | 0.76% |
| Non-Performing Asset Ratio | 0.57% | 0.47% |
| Net Charge-Off Ratio | 0.02% | 0.67% |
| ACL / Loans | 1.36% | 1.52% |
Balance sheet
| Metric | Comerica Bank | Prosperity Bank |
|---|---|---|
| Total Assets | $80,052M | $43,608M |
| Total Deposits | $66,282M | $32,946M |
| Total Loans | $50,924M | $25,287M |
| Total Equity | $7,238M | $8,018M |
| Net Income (quarter) | $204,000K | $121,185K |
Liquidity & funding
| Metric | Comerica Bank | Prosperity Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 76.83% | 76.75% |
| Core Deposit Ratio | 96.53% | 93.64% |
| Uninsured Deposit Ratio | 53.98% | 42.35% |
Identity
| Metric | Comerica Bank | Prosperity Bank |
|---|---|---|
| Headquarters City | Dallas | EL CAMPO |
| Headquarters State | TX | TX |
| Asset Tier | Regional | Regional |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 354 | 354 |
| Employees (FTE) | 7,695 | 4,429 |
| Established | March 5, 1849, midnight | Sept. 13, 1949, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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