Prosperity Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 16.37 percentage points higher than in Q1 2026, at 216.10%. Prosperity Bank ranks 154th of 345 Texas banks on return on assets, in the upper half at 1.58% (Q2 2026). The median for banks in the $10B-100B asset tier is 1.30% on return on assets. Prosperity Bank sits 0.29 points higher, at 1.58% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.24% |
| Tier 1 risk-based capital ratio | 15.24% |
| Total risk-based capital ratio | 16.46% |
| Tier 1 leverage ratio | 10.64% |
| Equity capital to assets | 18.48% |
| Tangible equity to tangible assets | 10.47% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.71% |
| Non-performing assets ratio | 0.43% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 4.18% |
| Allowance for credit losses to loans | 1.53% |
| Reserve coverage of non-performing loans | 216.10% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.58% |
| Return on equity | 8.54% |
| Net interest margin | 3.47% |
| Efficiency ratio | 43.38% |
| Yield on earning assets | 4.80% |
| Cost of funds | 1.47% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.00% |
| Core deposits to total deposits | 93.54% |
| Brokered deposits to total deposits | 0.09% |
| Deposits to assets | 75.06% |
| Securities to assets | 28.12% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.92% | 14.92% | 16.00% | 9.99% | 1.17% |
| Q4 2023 | 15.48% | 15.48% | 16.50% | 10.35% | 1.02% |
| Q1 2024 | 15.69% | 15.69% | 16.94% | 10.33% | 1.17% |
| Q2 2024 | 15.35% | 15.35% | 16.60% | 10.24% | 1.15% |
| Q3 2024 | 15.79% | 15.79% | 17.04% | 10.48% | 1.31% |
| Q4 2024 | 16.36% | 16.36% | 17.62% | 10.78% | 1.34% |
| Q1 2025 | 15.92% | 15.92% | 17.17% | 10.53% | 1.37% |
| Q2 2025 | 16.10% | 16.10% | 17.35% | 10.94% | 1.43% |
| Q3 2025 | 16.52% | 16.52% | 17.77% | 11.21% | 1.48% |
| Q4 2025 | 16.51% | 16.51% | 17.76% | 11.22% | 1.54% |
| Q1 2026 | 14.79% | 14.79% | 15.96% | 10.73% | 1.15% |
| Q2 2026 | 15.24% | 15.24% | 16.46% | 10.64% | 1.58% |
Prosperity Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Prosperity Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)