Prosperity Bank
El Campo, Texas, Wharton County
$43.9B in total assets, the 57th largest of 4,309 US banks and 3rd of 352 headquartered in Texas.
- FDIC certificate
- 16835
- Established
- 1949
- Owned by
- Prosperity Bancshares Inc
- Primary regulator
- FDIC
- Website
- www.prosperitybankusa.com
At a glance
Compared with 11 banks headquartered in Texas with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $43.9B | 91% | $14.2B | |
| Loans | $25.0B | 98% | $8.4B | |
| Deposits | $32.9B | 91% | $11.0B | |
| Return on assets | 1.43% | 54% | 1.32% | |
| Net interest margin | 3.52% | 46% | 3.62% | |
| Efficiency ratio | 49.6% | 46% | 50.8% | |
| Equity to assets | 18.48% | 91% | 10.75% | |
| Loans to deposits | 76% | 36% | 85% |
Growth
Total assets grew 4.0% a year over the last 5 years and 7.3% a year over 10 years, including 5 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Feb 2026 | Texas Partners Bank San Antonio, TX | $2.4B |
| Jan 2026 | American Bank, National Association Corpus Christi, TX | $2.5B |
| Apr 2024 | Lone Star State Bank of West Texas Lubbock, TX | $1.4B |
| May 2023 | FirstCapital Bank of Texas, National Association Midland, TX | $2.1B |
| Nov 2019 | LegacyTexas Bank Plano, TX | $10.5B |
| Jan 2016 | Tradition Bank - Bellaire Houston, TX | $547M |
| Apr 2014 | The F&M Bank & Trust Company Tulsa, OK | $2.4B |
| Nov 2013 | First Victoria National Bank Victoria, TX | $2.5B |
| Apr 2013 | Coppermark Bank Oklahoma City, OK | $1.2B |
| Jan 2013 | First Federal Bank Texas Tyler, TX | $166M |
| Oct 2012 | Community National Bank Bellaire, TX | $183M |
| Jul 2012 | American State Bank Lubbock, TX | $3.2B |
| Apr 2012 | The Bank Arlington Arlington, TX | $37M |
| Jan 2012 | Bank of Texas Austin, TX | $78M |
| Nov 2008 | Franklin Bank, S.S.B. Houston, TX | $5.1B |
| Jun 2008 | 1st Choice Bank Houston, TX | $314M |
| Sep 2007 | The Bank of Navasota, National Association Navasota, TX | $73M |
| Jan 2007 | GNB Financial, National Association Gainesville, TX | $260M |
| Jan 2007 | Gateway National Bank Dallas, TX | $261M |
| Jan 2007 | Northwest Bank Roanoke, TX | $173M |
| Jan 2007 | State Bank La Grange, TX | $1.1B |
| Apr 2006 | Southern National Bank of Texas Sugar Land, TX | $880M |
| Dec 2005 | First State Bank, Grapeland, Texas Grapeland, TX | $72M |
| Mar 2005 | FirstCapital Bank, ssb Corpus Christi, TX | $761M |
| Aug 2004 | Liberty Bank, SSB Austin, TX | $175M |
| Aug 2004 | Village Bank & Trust, S.S.B. Lakeway, TX | $111M |
| Dec 2003 | First State Bank of North Texas Dallas, TX | $100M |
| Nov 2003 | MainBank, National Association Dallas, TX | $177M |
| Jun 2003 | BankDallas, SSB Dallas, TX | $42M |
| May 2003 | Abrams Centre National Bank Dallas, TX | $96M |
| Jan 2003 | Bank of the Southwest of Dallas Dallas, TX, an affiliate under the same holding company | $122M |
| Nov 2002 | First National Bank of Bay City Bay City, TX | $27M |
| Sep 2002 | Paradigm Bank Texas Houston, TX | $249M |
| Jul 2002 | The First State Bank Needville, TX | $17M |
| May 2002 | Texas Guaranty Bank, National Association Houston, TX | $79M |
| Feb 2001 | Heritage Bank Wharton, TX | $443M |
| Oct 1999 | The Commercial National Bank of Beeville Beeville, TX | $142M |
| Oct 1998 | Union State Bank East Bernard, TX | $79M |
| Jul 1992 | 1st National Bank of Texas Webster, TX | $92M |
| Jun 1992 | American National Bank - Post Oak Houston, TX | $25M |
| Aug 1991 | Buchel Bank and Trust Company Cuero, TX | $25M |
| Aug 1990 | Citizens National Bank El Campo, TX | $51M |
| Jul 1988 | First Capitol Bank West Columbia, TX | $50M |
Where they operate
345 branches in 92 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Harris County, TX | $3.4B | 1.1% | 12 of 87 |
| Collin County, TX | $3.2B | 8.0% | 4 of 70 |
| Bexar County, TX | $1.8B | 1.1% | 10 of 50 |
| Nueces County, TX | $1.8B | 27.2% | 1 of 16 |
| Dallas County, TX | $1.6B | 0.5% | 19 of 109 |
| Travis County, TX | $1.5B | 3.0% | 7 of 56 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 78 branches since 2016 (267 to 345, +29.2%). 6 opened, 100 acquired, 28 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 267 | |||
| 2016 | Acquired Tradition Bank - BellaireClosed 4 in Texas | 7 | 4 | +3 | 270 |
| 2017 | Opened New BraunfelsClosed 6 in Texas | 1 | 6 | −5 | 265 |
| 2018 | Opened Houston | 1 | 0 | +1 | 266 |
| 2019 | Acquired LegacyTexas BankOpened Victoria, closed Houston | 43 | 1 | +42 | 308 |
| 2020 | Closed 8 in Texas | 0 | 8 | −8 | 300 |
| 2021 | Closed Dallas and Flower Mound | 0 | 2 | −2 | 298 |
| 2023 | Acquired FirstCapital Bank of Texas, National Association | 17 | 0 | +17 | 315 |
| 2024 | Acquired Lone Star State Bank of West TexasClosed 5 in Texas | 5 | 5 | 0 | 315 |
| 2025 | Opened Lubbock and San AngeloClosed Euless and Lubbock | 2 | 2 | 0 | 315 |
| 2026 through Q2 | Acquired American Bank, National Association and Texas Partners BankOpened Seven Points | 30 | 0 | +30 | 345 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 34% | 19% | |
| Commercial real estate | 26% | 21% | |
| Construction and land | 13% | 9% | |
| Business (C&I) | 10% | 18% | |
| Farmland | 3% | 1% | |
| Multifamily | 3% | 6% | |
| Agricultural | 1% | 1% | |
| Consumer | 1% | 4% | |
| Other | 9% | 20% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 53% | 65% | |
| Noninterest-bearing | 33% | 24% | |
| Time deposits | 14% | 11% |
Brokered deposits are 0.1% of deposits (peers 2.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.47% | 0.83% |
| Net charge-offs, annualized | 0.35% | 0.14% |
| Reserves to loans | 1.53% | 1.17% |
| Leverage ratio | 10.64% | 10.67% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Harris County, TX
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/prosperity