Prosperity Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 4.75 percentage points lower than in Q1 2026, at 174.75%. Within Texas, Prosperity Bank is 151st of 346 on loan-to-deposit ratio, 76.00% as of Q2 2026, above the middle of the field. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $25.03B |
| Net loans and leases | $24.65B |
| Loans held for sale | $18.7M |
| Loans to total assets | 57.04% |
| Loan-to-deposit ratio | 76.00% |
| Net loans to equity capital | 3.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.13% |
| Multifamily (5+ residential) | 2.72% |
| Commercial and industrial | 10.44% |
| Consumer | 0.52% |
| Credit cards | 0.08% |
| Farm | 2.82% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.87% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 174.75% |
| Construction concentration (Tier 1 capital + allowance) | 68.51% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $369.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $21.43B | $27.43B | 23.75% | 10.88% | 0.60% |
| Q4 2023 | $21.18B | $27.24B | 23.96% | 9.59% | 0.58% |
| Q1 2024 | $21.27B | $27.25B | 23.89% | 10.35% | 0.57% |
| Q2 2024 | $22.32B | $28.03B | 24.08% | 9.59% | 0.56% |
| Q3 2024 | $22.38B | $28.20B | 23.73% | 8.60% | 0.55% |
| Q4 2024 | $22.15B | $28.46B | 23.68% | 8.60% | 0.54% |
| Q1 2025 | $21.98B | $28.32B | 23.81% | 8.57% | 0.51% |
| Q2 2025 | $22.20B | $27.80B | 23.60% | 8.41% | 0.50% |
| Q3 2025 | $22.03B | $28.16B | 23.71% | 8.51% | 0.48% |
| Q4 2025 | $21.81B | $28.77B | 23.26% | 8.45% | 0.47% |
| Q1 2026 | $25.29B | $32.95B | 25.69% | 11.39% | 0.54% |
| Q2 2026 | $25.03B | $32.93B | 26.13% | 10.44% | 0.52% |
Prosperity Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Prosperity Bank, freeSource: Call Report Schedule RC-C, 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)