Prosperity Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Prosperity Bank of El Campo, TX against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.58% | 1.34% | +0.24% | 75th top |
| ROAE | 8.54% | 12.33% | -3.79% | 22nd bottom |
| Net Interest Margin | 3.47% | 3.68% | -0.21% | 41st below |
| Efficiency Ratio | 43.38% | 53.93% | -10.55% | 84th top |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.94% | 1.96% | -0.02% | 60th above |
| Yield on Earning Assets | 4.80% | 5.58% | -0.78% | 16th bottom |
| Cost of Funds | 1.47% | 2.00% | -0.53% | 78th top |
| Net Interest Spread | 2.72% | 2.98% | -0.26% | 40th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.71% | 1.06% | -0.35% | 63rd above |
| NPA / Total Assets | 0.43% | 0.76% | -0.33% | 66th above |
| NCO / Avg Loans | 0.03% | 0.36% | -0.33% | 80th top |
| ACL / Total Loans | 1.53% | 1.37% | +0.16% | 89th top |
| ACL / NPLs (Coverage) | 216.10% | 209.88% | +6.22% | 73rd above |
| Texas Ratio | 4.18% | 10.31% | -6.13% | 74th above |
| Provision / NCO | 0.00% | 108.69% | -108.69% | 7th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 15.24% | 14.74% | +0.50% | 81st top |
| Tier 1 Ratio | 15.24% | 14.86% | +0.38% | 80th top |
| Total Capital Ratio | 16.46% | 16.08% | +0.38% | 80th top |
| Leverage Ratio | 10.64% | 10.26% | +0.38% | 62nd above |
| Equity / Assets | 18.48% | 11.47% | +7.01% | 98th top |
| TCE / Tangible Assets | 10.47% | 9.47% | +1.00% | 79th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.00% | 83.97% | -7.97% | 77th top |
| Core Deposit Ratio | 93.54% | 86.69% | +6.85% | 68th above |
| Uninsured Deposit Ratio | 42.73% | 38.90% | +3.83% | 38th below |
| Wholesale Funding Ratio | 5.92% | 5.65% | +0.27% | 32nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 14.17% | 10.04% | +4.13% | 78th top |
| Loan Growth (Y/Y) | 12.75% | 10.09% | +2.66% | 72nd above |
| Deposit Growth (Y/Y) | 18.45% | 9.85% | +8.60% | 83rd top |
See Prosperity Bank's peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Prosperity Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Prosperity Bank profile, how to read a UBPR, or how this data updates.