Bank Comparison
Prosperity Bank vs Frost Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 13
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Prosperity Bank | Frost Bank |
|---|---|---|
| CET1 Ratio | 14.79% | 14.43% |
| Tier 1 Capital Ratio | 14.79% | 14.43% |
| Total Capital Ratio | 15.96% | 15.44% |
| Tier 1 Leverage Ratio | 10.73% | 9.07% |
| Equity / Assets | 18.39% | 8.57% |
Profitability
| Metric | Prosperity Bank | Frost Bank |
|---|---|---|
| Return on Assets (ROA) | 1.15% | 1.31% |
| Return on Equity (ROE) | 6.30% | 15.35% |
| Net Interest Margin (NIM) | 3.45% | 3.68% |
| Yield on Earning Assets | 4.74% | 4.78% |
| Cost of Funds | 1.45% | 1.15% |
Asset quality
| Metric | Prosperity Bank | Frost Bank |
|---|---|---|
| Texas Ratio | 4.64% | 2.16% |
| Non-Performing Loan Ratio | 0.76% | 0.32% |
| Non-Performing Asset Ratio | 0.47% | 0.14% |
| Net Charge-Off Ratio | 0.67% | 0.11% |
| ACL / Loans | 1.52% | 1.28% |
Balance sheet
| Metric | Prosperity Bank | Frost Bank |
|---|---|---|
| Total Assets | $43,608M | $52,769M |
| Total Deposits | $32,946M | $43,235M |
| Total Loans | $25,287M | $22,432M |
| Total Equity | $8,018M | $4,524M |
| Net Income (quarter) | $121,185K | $174,000K |
Liquidity & funding
| Metric | Prosperity Bank | Frost Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 76.75% | 51.88% |
| Core Deposit Ratio | 93.64% | 90.27% |
| Uninsured Deposit Ratio | 42.35% | 51.34% |
Identity
| Metric | Prosperity Bank | Frost Bank |
|---|---|---|
| Headquarters City | EL CAMPO | SAN ANTONIO |
| Headquarters State | TX | TX |
| Asset Tier | Regional | Regional |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 354 | 219 |
| Employees (FTE) | 4,429 | 6,058 |
| Established | Sept. 13, 1949, midnight | Feb. 20, 1899, 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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