Prosperity Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 4.5% to $2.11B. Within Texas, Prosperity Bank is 117th of 184 on CET1 ratio, 15.24% as of Q2 2026, below the middle of the field. Prosperity Bank reported 15.24% on CET1 ratio for Q2 2026, 2.29 points above the 12.96% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.24% |
| Tier 1 risk-based capital ratio | 15.24% |
| Total risk-based capital ratio | 16.46% |
| Tier 1 leverage ratio | 10.64% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $4.21B |
| Tier 1 capital | $4.21B |
| Total risk-based capital | $4.54B |
| Total equity capital | $8.11B |
| Risk-weighted assets | $27.59B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 18.48% |
| Tangible equity to tangible assets | 10.47% |
| Equity capital to average assets | 18.67% |
| Internal capital growth rate | 4.51% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $520K |
| Common stock surplus | $6.00B |
| Retained earnings | $2.11B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$251K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.92% | 14.92% | 16.00% | 9.99% | $24.25B |
| Q4 2023 | 15.48% | 15.48% | 16.50% | 10.35% | $23.68B |
| Q1 2024 | 15.69% | 15.69% | 16.94% | 10.33% | $23.40B |
| Q2 2024 | 15.35% | 15.35% | 16.60% | 10.24% | $24.29B |
| Q3 2024 | 15.79% | 15.79% | 17.04% | 10.48% | $24.14B |
| Q4 2024 | 16.36% | 16.36% | 17.62% | 10.78% | $23.79B |
| Q1 2025 | 15.92% | 15.92% | 17.17% | 10.53% | $23.43B |
| Q2 2025 | 16.10% | 16.10% | 17.35% | 10.94% | $23.69B |
| Q3 2025 | 16.52% | 16.52% | 17.77% | 11.21% | $23.49B |
| Q4 2025 | 16.51% | 16.51% | 17.76% | 11.22% | $23.20B |
| Q1 2026 | 14.79% | 14.79% | 15.96% | 10.73% | $27.81B |
| Q2 2026 | 15.24% | 15.24% | 16.46% | 10.64% | $27.59B |
Prosperity Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Prosperity Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Prosperity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16835) · FFIEC NIC profile (RSSD 664756)