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Prosperity Bank
El Campo, TX · FDIC Certificate #16835 · Chartered 09/1
Total assets
$43.88B
Total deposits
$32.93B
Total equity
$8.11B
Net loans
$24.65B
Branches (offices)
344
Net income (YTD)
$293.32M
Rank: #54 of 4,213 U.S. banks by assets · #3 of 346 in Texas. Assets changed 14.2% and deposits 18.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.37% |
| Return on equity | 7.42% |
| Net interest margin (YTD) | 3.52% |
| Equity to assets | 18.48% |
| Tier 1 leverage ratio | 10.64% |
| Uninsured deposits (share of deposits) | 42.7% |
| Noncurrent loans (share of loans) | 0.48% |
| Net charge-offs (share of loans) | 0.35% |
| Loans to deposits | 74.8% |
| Real estate loans (share of loans) | 79.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $19.68B | 79.8% | |
| Commercial & industrial | $2.61B | 10.6% | |
| Consumer / individual | $130.86M | 0.5% | |
| Construction & development | $3.14B | 12.8% | |
| Agricultural | $360.25M | 1.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $37.41B | $29.95B | $256.03M | $6.51B |
| Jun 2023 | $39.90B | $27.46B | $218.05M | $6.95B |
| Jun 2024 | $39.76B | $28.03B | $228.99M | $7.26B |
| Jun 2025 | $38.43B | $27.80B | $270.57M | $7.36B |
| Jun 2026 | $43.88B | $32.93B | $293.32M | $8.11B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $31.22B | 326 |
| Oklahoma | $1.71B | 18 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $32.93B.
Similar-sized banks
Raymond James Bank ($45.60B) · Barclays Bank Delaware ($43.45B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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