BlastPoint's Banking Scorecard
Prosperity Bank
El Campo, TX
406 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 21.4% in tier
- - Margin Compression: Bottom 28.6% in tier
- - Cost Spiral: Bottom 30.8% in tier
- - Net Interest Margin 0.25% 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
|
-$3.8B |
$47.4B
-2.0% YoY
|
$2.2B
+1.1% YoY
|
$6.2B
+9.0% YoY
|
72% |
| Total Loans ? |
$24.9B
+15.1% YoY
+16.0% QoQ
|
-$4.7B |
$29.6B
-0.4% YoY
|
$1.0B
+10.3% YoY
|
$3.2B
+10.7% YoY
|
70% |
| Total Deposits ? |
$32.9B
+16.3% YoY
+14.5% QoQ
|
-$5.8B |
$38.7B
-1.6% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.0% YoY
|
71% |
| Return on Assets ? |
1.15%
-15.5% YoY
-20.1% QoQ
|
-0.14% |
1.28%
+19.3% YoY
|
1.40%
+10.4% YoY
|
1.24%
+13.1% YoY
|
41% |
| Net Interest Margin ? |
3.52%
+12.2% YoY
+8.8% QoQ
|
-0.25% |
3.77%
+5.6% YoY
|
4.02%
+2.6% YoY
|
3.89%
+5.7% YoY
|
50% |
| Efficiency Ratio ? |
56.12%
+29.3% YoY
+33.7% QoQ
|
+2.22% |
53.90%
-4.0% YoY
|
63.21%
-2.3% YoY
|
66.84%
-3.8% YoY
|
45% |
| Delinquency Rate ? |
0.44%
+28.7% YoY
-31.8% QoQ
|
-0.58% |
1.02%
-4.1% YoY
|
0.96%
+37.0% YoY
|
0.95%
+18.8% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
75.59%
-1.0% YoY
+1.3% QoQ
|
-5.29% |
80.88%
+2.0% YoY
|
67.20%
-0.8% YoY
|
76.69%
+0.9% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
32.30%
-8.3% YoY
-4.7% QoQ
|
+12.47% |
19.82%
+0.3% YoY
|
29.01%
-1.0% YoY
|
22.01%
-1.1% YoY
|
Top 11.1% in tier |
| Nonperforming Asset Ratio ? |
0.28%
+33.2% YoY
-28.7% QoQ
|
-0.45% |
0.73%
+4.0% YoY
|
0.62%
+32.0% YoY
|
0.66%
+19.3% YoY
|
76% |
| Tier 1 Capital Ratio ? |
14.79%
-7.1% YoY
-10.4% QoQ
|
-0.77% |
15.56%
-0.1% YoY
|
18.06%
+0.0% YoY
|
17.06%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.10%
+4.2% YoY
-74.8% QoQ
|
-0.12% |
0.23%
+0.9% YoY
|
0.20%
+4.1% YoY
|
0.32%
+4.0% YoY
|
27% |
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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.
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.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.