BlastPoint's Banking Scorecard
Prosperity Bank
El Campo, TX
354 branches across TX · OK
Prosperity Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.58% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 20.8% in tier
- - Cost Spiral: Bottom 28.6% in tier
- - Margin Compression: Bottom 33.3% in tier
- - Net Interest Margin 0.26% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$43.6B
+12.5% YoY
+13.4% QoQ
|
-$3.4B |
$47.0B
-1.9% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
72% |
| Total Loans ? |
$24.9B
+15.1% YoY
+16.0% QoQ
|
-$4.5B |
$29.4B
-0.4% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
70% |
| Total Deposits ? |
$32.9B
+16.3% YoY
+14.5% QoQ
|
-$5.5B |
$38.4B
-1.6% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
72% |
| Return on Assets ? |
1.15%
-15.5% YoY
-20.1% QoQ
|
-0.13% |
1.28%
+18.7% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
42% |
| Net Interest Margin ? |
3.52%
+12.2% YoY
+8.8% QoQ
|
-0.26% |
3.77%
+5.8% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
49% |
| Efficiency Ratio ? |
56.12%
+29.3% YoY
+33.7% QoQ
|
+2.11% |
54.01%
-3.7% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
46% |
| Delinquency Rate ? |
0.44%
+28.7% YoY
-31.8% QoQ
|
-0.58% |
1.02%
-3.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
75.59%
-1.0% YoY
+1.3% QoQ
|
-5.20% |
80.79%
+1.9% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
32.30%
-8.3% YoY
-4.7% QoQ
|
+12.26% |
20.04%
+0.2% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 12.4% in tier |
| Nonperforming Asset Ratio ? |
0.28%
+33.2% YoY
-28.7% QoQ
|
-0.44% |
0.72%
+4.2% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
77% |
| Tier 1 Capital Ratio ? |
14.79%
-7.1% YoY
-10.4% QoQ
|
-0.73% |
15.51%
-0.4% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.10%
+4.2% YoY
-74.8% QoQ
|
-0.12% |
0.22%
+0.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
28% |
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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 (0)
Concerns (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.