Prosperity Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Prosperity Bank is an FDIC-insured commercial bank. On its most recent Q2 2026 call report, Prosperity reported $43.9B in total assets against $32.9B in deposits. Returns are notably above industry norms: 1.58% ROA, 8.54% ROE, and 3.47% NIM. Capital cushions are healthy: 15.24% CET1, 10.64% Tier 1 leverage. Credit metrics are in line with industry norms, 0.71% NPL ratio. A 406-branch network serves customers across multiple states.
As of June 30, 2026, Prosperity Bank reported a CET1 capital ratio of 15.24%, a return on assets of 1.58%, a nonperforming-loan ratio of 0.71%, a Texas ratio of 4.18%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1301 N Mechanic St, El Campo, TX 77437
- County
- Wharton
- Metro Area
- El Campo, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- September 13, 1949
- Former names
- First Prosperity Bank (1992-2001); First Bank (1984-1992); Allied First Bank (1981-1984); First Bank of Edna (1977-1981)
- Offices
- 406 domestic
- Employees (FTE)
- 4,324
- Domestic deposits
- $32.93B
- Allowance for credit losses
- $382.8M
- Net charge-offs (YTD)
- $43.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- September 13, 1949
- FDIC Cert
- 16835
- Fed RSSD
- 664756
- SEC CIK
- 1068851 → filed by PROSPERITY BANCSHARES, INC.
- Website
- www.prosperitybankusa.com →
- Parent Holding Company
- PROSPERITY BANCSHARES, INC. (RSSD 1109599) · PB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Zalman David | CEO | Senior Chairman & CEO |
| Osmonov Asylbek | CFO | CFO |
| Hanigan Kevin J | COO | President & COO |
| Rasche Charlotte M | GC | EVP and General Counsel |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Prosperity Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Prosperity Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Prosperity Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Prosperity Bank: Uninsured deposits.
Banks merged into Prosperity Bank
- Stellar Bank, effective July 1, 2026
- Texas Partners Bank, effective February 1, 2026
- American Bank, National Association, effective January 1, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.24% | 1.58% | 0.71% | 4.18% | 3.47% |
| Q1 2026 | 14.79% | 1.15% | 0.76% | 4.64% | 3.45% |
| Q4 2025 | 16.51% | 1.54% | 1.00% | 5.57% | 3.33% |
| Q3 2025 | 16.52% | 1.48% | 0.89% | 5.00% | 3.27% |
| Q2 2025 | 16.10% | 1.43% | 0.90% | 5.03% | 3.18% |
| Q1 2025 | 15.92% | 1.37% | 0.78% | 4.44% | 3.11% |
| Q4 2024 | 16.36% | 1.34% | 0.59% | 3.30% | 3.05% |
| Q3 2024 | 15.79% | 1.31% | 0.59% | 3.34% | 2.97% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 344 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Plano Branch | Plano , TX | 75024 | $1.47B |
| Victoria Main | Victoria , TX | 77901 | $812.1M |
| Texas Avenue Branch | Odessa , TX | 79761 | $737.1M |
| Midland Wall St Branch | Midland , TX | 79701 | $736.3M |
| Texas Partners Bank Branch | San Antonio , TX | 78213 | $679.5M |
| Harvard Branch - Tulsa Ok | Tulsa , OK | 74112 | $664.8M |
| Prosperity Bank (main office) | El Campo , TX | 77437 | $569.2M |
| American State Bank Branch | Lubbock , TX | 79401 | $553.1M |
| Austin Branch | Austin , TX | 78759 | $526.9M |
| River Oaks Branch | Houston , TX | 77027 | $514.5M |
| American Bank Branch | Corpus Christi , TX | 78401 | $492.5M |
| Sugar Land Branch | Sugar Land , TX | 77478 | $449.3M |
| Bryan Branch | Bryan , TX | 77802 | $362.4M |
| Pearl Office | San Antonio , TX | 78215 | $346.1M |
| Cinco Ranch Branch | Katy , TX | 77494 | $326.7M |
| Corpus Christi Branch | Corpus Christi , TX | 78411 | $318.1M |
| Congress | Austin , TX | 78701 | $306.1M |
| Big Spring Branch | Big Spring , TX | 79720 | $281.1M |
| Bay City North Branch | Bay City , TX | 77414 | $272.4M |
| Ok-Express Way | Oklahoma City , OK | 73112 | $256.9M |
| 15th Street Branch | Plano , TX | 75075 | $255.7M |
| Odessa Branch | Odessa , TX | 79762 | $243.8M |
| Bellaire Branch | Houston , TX | 77081 | $235.1M |
| Port Aransas Branch | Port Aransas , TX | 78373 | $231.6M |
| Liberty Branch | Liberty , TX | 77575 | $226.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2026 | Structure Change | Acquired Stellar Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 2, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2026 | Structure Change | Acquired Texas Partners Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2026 | Structure Change | Acquired American Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2024 | Structure Change | Acquired Lone Star State Bank of West Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2023 | Structure Change | Acquired FirstCapital Bank of Texas, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2019 | Structure Change | Acquired LegacyTexas Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2016 | Structure Change | Acquired Tradition Bank - Bellaire Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2014 | Structure Change | Acquired The F&M Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2013 | Structure Change | Acquired First Victoria National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2013 | Structure Change | Acquired Coppermark Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2013 | Structure Change | Acquired First Federal Bank Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2012 | Structure Change | Acquired Community National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2012 | Structure Change | Acquired American State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2012 | Structure Change | Acquired The Bank Arlington Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2012 | Structure Change | Acquired Bank of Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 8, 2008 | Structure Change | Acquired Franklin Bank, S.S.B. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 7, 2008 | Merger | Participated in FDIC Assisted Merger | FDIC |
| June 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2008 | Structure Change | Acquired 1st Choice Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2007 | Structure Change | Acquired The Bank of Navasota, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2007 | Structure Change | Acquired GNB Financial, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 31, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2006 | Structure Change | Acquired Southern National Bank of Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2005 | Structure Change | Acquired First State Bank, Grapeland, Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2005 | Structure Change | Acquired FirstCapital Bank, SSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2004 | Structure Change | Acquired Liberty Bank, SSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 46 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Prosperity Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- March 3, 1992, Federal Reserve: Written Agreement: Prosperity Bank and Trust Company, Springfield, VA
- Period: Most recent institution action March 3, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.0% of deposits in TX, rank 7 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 4,923 applications, 2,415 loans originated, $1.12B originated, across 19 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- 60 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Prosperity Bank
What are Prosperity Bank's total assets?
As of the Q2 2026 filing, Prosperity Bank reported total assets of $43.88 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Prosperity Bank headquartered?
Prosperity Bank is headquartered in El Campo, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Prosperity Bank founded?
Prosperity Bank was established in 1949, per the FDIC institution directory.
Is Prosperity Bank FDIC-insured?
Yes. Prosperity Bank is an FDIC-insured commercial bank (FDIC Certificate #16835). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Prosperity Bank?
Prosperity Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Prosperity Bank's CET1 capital ratio?
Prosperity Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.24% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Prosperity Bank operate?
Prosperity Bank operates 406 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Prosperity Bank's Texas Ratio?
Prosperity Bank's Texas Ratio is 4.18% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Prosperity Bank previously called?
The charter now named Prosperity Bank has also operated as First Prosperity Bank (1992-2001), First Bank (1984-1992), Allied First Bank (1981-1984), First Bank of Edna (1977-1981), per FDIC structure-change records.
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