Prosperity Bank
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Data as of · sourced from FFIEC call reports. How we update
Prosperity Bank is an FDIC-insured commercial bank headquartered in El Campo, TX, established in 1949 (FDIC certificate 16835), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $43.88B, up 14.2% from Q2 2025, the 3rd largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 15.24% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16835
- Headquarters
- El Campo, TX
- Established
- 1949
- Total assets, Q2 2026
- $43.88B
- Assets vs Q2 2025
- +14.2%
- CET1 ratio, Q2 2026
- 15.24%
- Domestic offices
- 354 FDIC institution directory, current count
- Routing number
- 113122655
- Latest call report
- Q2 2026, FFIEC 041 · Prosperity Bank call report
- Holding company
- PROSPERITY BANCSHARES, INC.
- Asset rank in state
- 3rd of 346 in Texas
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%. The figures come from its call report filed with the FFIEC.
Prosperity Bank ranks as the 3rd largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.6% to $43.88B, loans fell 1.0% and deposits were flat. 1-4 family residential loans made up 34.4% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 15.8%. Judged on its Q2 2026 call report, Prosperity Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 354 FDIC institution directory, current count
- 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 |
| H E Timanus Jr | CHR | Chairman |
| Kevin J Hanigan | PRES | President & COO |
| Asylbek Osmonov | CFO | CFO |
| Charlotte M Rasche | GC | EVP and General Counsel |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Prosperity Bank's total assets ranged from $38.36B (Q3 2025) to $43.88B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$43.88B total assets against $38.43B; $35.77B total liabilities against $31.07B.
$24.65B net loans and leases against $21.85B; $32.93B total deposits against $27.80B.
$12.34B securities against $10.61B; $1.69B cash and balances due against $1.31B.
$461.0M total interest income against $394.4M; $128.3M total interest expense against $124.8M.
$332.6M net interest income against $269.7M.
$50.5M total noninterest income against $40.4M; $172.0M total noninterest expense against $134.8M.
$0 provision for credit losses against $0.
$172.1M net income against $137.5M.
1.58% return on assets against 1.43%; 3.47% net interest margin against 3.18%.
15.24% CET1 capital ratio against 16.10%; 10.64% tier 1 leverage ratio against 10.94%.
Inside the full Prosperity Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 53 of 4,196, for total assets; its furthest is 1,914 of 3,640, for Texas Ratio.
Metric pages for Prosperity Bank: Uninsured deposits.
Banks merged into Prosperity Bank
- Stellar Bank, effective July 1, 2026
- Texas Partners Bank, effective February 1, 2026
- American Bank, National Association, effective January 1, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.15% (Q1 2026) to 1.58% (Q2 2026) and its net interest margin ran from 2.97% (Q3 2024) to 3.47% (Q2 2026).
| 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
View all 344 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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 | Structure Change | Acquired Stellar Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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 | Structure Change | Acquired American Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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 | Structure Change | Acquired The F&M Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2014 | 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 |
| November 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 |
| April 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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 | Structure Change | Acquired American State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 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 |
| April 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 |
| January 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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 | Structure Change | Acquired 1st Choice Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 2008 | 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 |
| September 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2007 | Structure Change | Acquired GNB Financial, National Association 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 | 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 |
| December 1, 2005 | 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 |
| 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 Liberty Bank, SSB 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
Facts as filed or published, not a rating.
- 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 441 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.
- Not on file
- CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Prosperity Bank headquartered?
It is headquartered in El Campo, TX, United States.
When was Prosperity Bank founded?
It was established in 1949, per the FDIC institution directory.
Is Prosperity Bank FDIC-insured?
Yes. It 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.
What is Prosperity Bank's CET1 capital ratio?
It 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?
It operates 354 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?
Its Texas Ratio is 2.82% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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