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Prosperity Bank

$10B-$250B Specialty: Commercial TX FDIC cert 16835

El Campo, TX

406 branches across TX · OK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 11 in TX.
  • Deposits +18.4% year over year ($32.9B on the books).
  • Delinquency rate 0.48%.
  • Return on assets 1.37%.
  • Efficiency ratio 49.64% vs a 53.67% peer average.
  • Loan-to-deposit ratio 74.84% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 11 in TX
View $10B-$250B leaderboard (TX) →

Prosperity Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 4.03% below tier average
  • + Delinquency Rate 0.53% below tier average

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 8.3% in tier
  • - Credit Quality Pressure: Bottom 13.4% in tier
  • - Credit Risk Growth: Bottom 47.5% in tier
  • - Net Interest Margin 0.40% below tier average
Get updates when Prosperity Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $43.9B
+14.2% YoY +0.6% QoQ
+$273.6M $43.6B
-13.8% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
75%
Total Loans ? $24.6B
+12.8% YoY -1.0% QoQ
-$3.3B $28.0B
-8.6% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
70%
Total Deposits ? $32.9B
+18.4% YoY -0.0% QoQ
-$2.5B $35.4B
-14.0% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
73%
Return on Assets ? 1.37%
-1.4% YoY +19.5% QoQ
-0.02% 1.39%
+25.9% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
58%
Net Interest Margin ? 3.52%
+11.0% YoY +0.1% QoQ
-0.40% 3.92%
+8.9% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
42%
Efficiency Ratio ? 49.64%
+15.9% YoY -11.5% QoQ
-4.03% 53.67%
-1.9% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
71%
Delinquency Rate ? 0.48%
+3.1% YoY +10.9% QoQ
-0.53% 1.01%
-2.8% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
73%
Loan-to-Deposit Ratio ? 74.84%
-4.8% YoY -1.0% QoQ
-7.77% 82.61%
+3.1% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
76%
Non-Interest-Bearing Deposit Share ? 32.84%
-6.4% YoY +1.7% QoQ
+12.26% 20.58%
+4.9% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 10.8% in tier
Nonperforming Asset Ratio ? 0.30%
+3.5% YoY +6.4% QoQ
-0.43% 0.73%
+5.8% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
78%
Tier 1 Capital Ratio ? 15.24%
-5.3% YoY +3.1% QoQ
-0.11% 15.35%
-0.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
80%
Non-Interest Income / Assets ? 0.22%
+6.2% YoY +110.7% QoQ
-0.28% 0.50%
+10.5% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
26%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 32.8%
-2.2pp YoY
+0.5pp QoQ
 +11.8pp 21.0% 29.2% 22.2% 88%
Brokered Deposits 0.1%
0.0pp QoQ
 -9.1pp 9.2% 8.0% 8.5% 8%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 10.6%
+2.1pp YoY
-1.0pp QoQ
 -6.6pp 17.2% 14.8% 12.5% 28%
CRE 42.1%
+2.2pp YoY
+0.4pp QoQ
 0.0pp 42.0% 48.4% 41.4% 46%
1-4 Family 34.9%
-3.5pp YoY
-0.1pp QoQ
 +11.8pp 23.1% 25.8% 31.3% 84%
Consumer 0.5%
0.0pp YoY
0.0pp QoQ
 -12.4pp 12.9% 4.7% 5.0% 27%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 15.2%
-0.9pp YoY
+0.5pp QoQ
 0.0pp 15.3% 22.7% 19.7% 80%
Leverage Ratio 10.6%
-0.3pp YoY
-0.1pp QoQ
 +0.2pp 10.4% 12.6% 12.6% 63%
Total Capital Ratio 16.5%
-0.9pp YoY
+0.5pp QoQ
 -0.1pp 16.5% 23.8% 20.8% 78%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 4,324
+403 (+10.3%) YoY
-105 (-2.4%) QoQ
 +1,066 3,258 186 482 80%
Assets per Employee ($) $10.1M
+3.5% YoY
+3.1% QoQ
 -$16.9M $27.0M $10.1M $8.8M 35%
Branch Count 354
+30 (+9.3%) YoY
0 QoQ
 +216 137 12 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.4pp 0.4% 0.3% 0.4% 24%
Nonaccrual 0.5%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.7% 1.0% 1.0% 33%
Allowance Coverage 3.21x
-4.8% YoY
-9.1% QoQ
 +0.40x 2.81x 18.82x 20.23x 82%
Net Charge-off Rate (YTD) 0.4%
+0.3pp YoY
-0.3pp QoQ
 -0.1pp 0.4% 0.1% 0.2% 76%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 7.4%
+0.1pp YoY
+1.2pp QoQ
 -5.2pp 12.6% 13.2% 11.6% 14%
Cost of Funds (YTD) 1.3%
-0.2pp YoY
0.0pp QoQ
 -0.6pp 2.0% 1.6% 1.7% 19%
Net Income ($, YTD) $293.3M
+8.4% YoY
— QoQ
 -$3.5M $296.8M $15.9M $40.4M 70%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Cost Spiral

risk
#2 of 12 • Bottom 8.3% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 49.64%
(Tier: 53.67%, National: 70.05%)
better than tier avg
12 of 12 Large banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#10 of 67 • Bottom 13.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.48%
(Tier: 1.01%, National: 0.98%)
better than tier avg
67 of 67 Large banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#29 of 59 • Bottom 47.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

59 of 59 Large banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 139 peers in $10B-$250B

Top Strengths (4 metrics)

16
Non-Interest-Bearing Deposit Share
funding
Value: 32.84%
Peer Median: 20.58%
#16 of 139 Top 10.8% in $10B-$250B
29
Tier 1 Capital Ratio
capital
Value: 15.24%
Peer Median: 15.35%
#29 of 139 Top 20.1% in $10B-$250B
32
Nonperforming Asset Ratio
credit_quality
Value: 0.30%
Peer Median: 0.73%
#32 of 139 Top 22.3% in $10B-$250B
34
Loan-to-Deposit Ratio
liquidity
Value: 74.84%
Peer Median: 82.61%
#34 of 139 Top 23.7% in $10B-$250B

Top Weaknesses (0 metrics)

No weakness rankings available
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