Prosperity Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Fed funds purchased and repos climbed 13.3% in Q2 2026, from $176.1M to $199.6M. It was the largest change from Q1 2026 among the key lines here. Prosperity Bank ranks 151st of 346 Texas banks on loan-to-deposit ratio, in the upper half at 76.00% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. Prosperity Bank sits 10.83 points lower, at 76.00% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.69B |
| Cash and noninterest-bearing balances to assets | 3.86% |
| Cash and securities | $14.03B |
| Fed funds sold and reverse repos | $194K |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $199.6M |
| Other borrowed money | $2.40B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.47% |
| Trading liabilities | $43K |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.00% |
| Net loans and leases to deposits | 74.84% |
| Loans and leases to core deposits | 81.17% |
| Core deposits to total deposits | 93.54% |
| Brokered deposits to total deposits | 0.09% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 78.14% | 96.10% | $300.7M | $4.25B |
| Q4 2023 | 77.75% | 95.61% | $309.3M | $3.73B |
| Q1 2024 | 78.03% | 95.03% | $261.7M | $3.90B |
| Q2 2024 | 79.63% | 93.46% | $233.7M | $3.90B |
| Q3 2024 | 79.35% | 93.38% | $228.9M | $3.90B |
| Q4 2024 | 77.83% | 93.48% | $221.9M | $3.20B |
| Q1 2025 | 77.60% | 93.60% | $216.1M | $2.70B |
| Q2 2025 | 79.84% | 93.47% | $183.6M | $2.90B |
| Q3 2025 | 78.22% | 93.25% | $185.8M | $2.40B |
| Q4 2025 | 75.80% | 93.26% | $201.2M | $1.95B |
| Q1 2026 | 76.75% | 93.57% | $176.1M | $2.20B |
| Q2 2026 | 76.00% | 93.54% | $199.6M | $2.40B |
Prosperity Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Prosperity Bank, freeSource: Call Report Schedules RC and RC-M, 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)