Prosperity Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Total interest expense rose 6.6% from Q1 2026 to Q2 2026, ending at $128.3M against $120.3M. It was the largest change among the key lines on this page. Within Texas, Prosperity Bank is 268th of 345 on net interest margin, 3.47% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 3.60% on net interest margin. Prosperity Bank sits 0.13 points lower, at 3.47% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.80% |
| Yield on loans | 5.90% |
| Yield on securities | 2.65% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.47% |
| Cost of interest-bearing deposits | 1.93% |
| Cost of interest-bearing liabilities | 2.08% |
| Cost of borrowings | 3.57% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.47% |
| Yield to cost spread | 2.72% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $369.5M |
| Total interest expense | $128.3M |
| Interest expense on deposits | $107.2M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.34% | 1.37% | 2.75% | 5.75% | 2.07% |
| Q4 2023 | 4.40% | 1.39% | 2.78% | 5.80% | 2.08% |
| Q1 2024 | 4.43% | 1.44% | 2.77% | 5.80% | 2.09% |
| Q2 2024 | 4.66% | 1.53% | 2.92% | 6.05% | 2.05% |
| Q3 2024 | 4.73% | 1.55% | 2.97% | 6.08% | 2.05% |
| Q4 2024 | 4.67% | 1.43% | 3.05% | 6.01% | 2.07% |
| Q1 2025 | 4.59% | 1.28% | 3.11% | 5.85% | 2.10% |
| Q2 2025 | 4.65% | 1.27% | 3.18% | 5.90% | 2.13% |
| Q3 2025 | 4.75% | 1.28% | 3.27% | 5.97% | 2.21% |
| Q4 2025 | 4.68% | 1.16% | 3.33% | 5.88% | 2.19% |
| Q1 2026 | 4.74% | 1.43% | 3.45% | 5.86% | 2.46% |
| Q2 2026 | 4.80% | 1.47% | 3.47% | 5.90% | 2.65% |
Prosperity Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Prosperity Bank, freeSource: Call Report Schedules RI and RC-K, 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)