Prosperity Bank

What sets Prosperity Bank apart

How large is Prosperity Bank?

The balance sheet of Prosperity Bank at Q2 2026: assets $43.9 bn, deposits $32.9 bn, net loans $24.6 bn (loans equal to 74.84% of deposits). Securities make up 28.1% of total assets at Prosperity Bank. Since Q1 2016, when Prosperity Bank held $22.0 bn, its assets grew 99.8%. In the year to Q2 2026, deposits at Prosperity Bank rose 18.4% while its total assets rose 14.2%. At Q2 2026, Prosperity Bank employed 4,324 full-time equivalent staff across 354 offices, about $10.1 mn of assets per employee and $93.0 mn of deposits per office.

How much funding at Prosperity Bank is uninsured?

At Prosperity Bank, uninsured deposits (above the FDIC limit) made up 42.73% of domestic deposits at Q2 2026 (+3.37 pp on a year earlier); Prosperity Bank ranks 162nd of 500 on this measure. In dollars, Prosperity Bank estimated $14.1 bn of uninsured deposits.

Key facts, Q2 2026

US rank of Prosperity Bank: 1 = highest unless marked 1 = lowest.

The CET1 ratio of Prosperity Bank stood at 15.24% in Q2 2026, -0.86 pp year on year. Low and high at Prosperity Bank since Q1 2016: 12.40% (Q1 2016) to 16.67% (Q1 2019). Equity capital of Prosperity Bank at Q2 2026: $8.1 bn, or 18.5% of total assets. Prosperity Bank also reported a total capital ratio of 16.46% for Q2 2026, and a tier 1 leverage ratio of 10.64%.

On held-to-maturity securities, Prosperity Bank carried an unrealized loss of $891.8 mn at Q2 2026, equal to 11.0% of equity capital. The loss narrowed by $218.2 mn over the year. Its deepest point: $1.9 bn in Q3 2023. The available-for-sale portfolio of Prosperity Bank showed an unrealized loss of $319,000 at Q2 2026; the loss narrowed by $1.3 mn over the year.

For the year to Q2 2026, Prosperity Bank earned a return on equity of 7.42%; return on assets: 1.37%. Net interest margin at Prosperity Bank: 3.52%, +0.35 pp in a year. Prosperity Bank net income: $293.3 mn, up 8.4% year on year. The efficiency ratio of Prosperity Bank was 49.64%: about 50 cents cost per revenue dollar, against 52 cents at the median peer.

At Q2 2026, noncurrent loans were 0.48% of total loans at Prosperity Bank; net charge-offs: 0.35% of average loans. Gross loans and leases at Prosperity Bank: $25.0 bn, up 12.8% in a year.

The peer group of Prosperity Bank is the 6 banks nearest to it by total assets at Q2 2026: 3 larger and 3 smaller. Of the peers, 2 share the charter type of Prosperity Bank (state nonmember bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Texas. Against them, Prosperity Bank shows CET1 ratio 15.24% against a peer median of 13.36%, return on equity 7.42% against a peer median of 13.14% and uninsured deposit share 42.73% against a peer median of 18.92%.

The FDIC history of Prosperity Bank, oldest first; figures before and after each event are not like for like.

1. 1 January 2016. Absorbed Tradition Bank - Bellaire (FDIC certificate 23032).
2. 1 November 2019. Absorbed LegacyTexas Bank (FDIC certificate 58006).
3. 1 May 2023. Absorbed FirstCapital Bank of Texas, National Association (FDIC certificate 35028).
4. 1 April 2024. Absorbed Lone Star State Bank of West Texas (FDIC certificate 3116).
5. 1 January 2026. Absorbed American Bank, National Association (FDIC certificate 20241).
6. 2 February 2026. Absorbed Texas Partners Bank (FDIC certificate 58581).
7. 1 July 2026. Absorbed Stellar Bank (FDIC certificate 58629).

Large one-quarter moves at Prosperity Bank

• Total assets at Prosperity Bank changed by +45.7% in the quarter to 2019-12-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from LegacyTexas Bank.