FDIC Cert #16835 · El Campo, Texas · Est. 1949

Prosperity Bank - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$38.5B
Total assets
A
Health grade · Excellent
1.44%
Return on assets
16.5%
Tier 1 capital

Data updated July 2026

The verdict

Prosperity Bank earns a PlainBankData health grade of A (95/100), with well-capitalized at 16.51% Tier 1, profitable at 1.44% ROA, efficient (42% cost ratio).

#59
largest of 4,313 FDIC banks by assets
99th
percentile by asset size, nationally
16.51%
Tier 1 ratio - above the 10% well-capitalized line
71st
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 16835 · TX A · 95/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (95/100)
  • TOP-DECILE #312/4307
  • PHOTO-FINISH Sunmark Community Bank · GA
  • TIER1-WELL 16.5% Tier 1
  • TEXAS-CLEAN 1.8% Texas
  • ROA-STRONG 1.44% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: Sunmark Community Bank, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Prosperity Bank

Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Central Bank of Kans… · MO ·…95/100Prosperity Bank · TX · this …95/100South Central State… · NE · …95/100Sunmark Community Bank · GA …95/100Western Bank · NM · near95/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Prosperity Bank · July 2026

Call Report read for Prosperity Bank in a high-failure state

Prosperity Bank (FDIC Cert #16835) carries a PlainBankData health grade of A at 95/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #312 of 4,307. Tier 1 capital prints at 16.51%, clearing the 10% well-capitalized line. The Texas Ratio is 1.79%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.44%. Balance-sheet scale is $38.5B, 59th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Sunmark Community Bank (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Prosperity Bank

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

Prosperity Bank sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about Prosperity Bank's current Call Report.

  • SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
  • ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
  • FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.

How Prosperity Bank's 95/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10095/100
Prosperity Bank's composite health score
Tier 1 Capital Ratio (16.51%) 40/40
Return on Assets (ROA) (1.44%) 20/25
Texas Ratio (1.79%) 20/20
Efficiency Ratio (41.99%) 15/15

95 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$38.5B

Total balance-sheet footings

Total Deposits

$28.8B

Customer-funded liabilities

Net Loans

$21.5B

Outstanding loan book

Net Income

$556M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 15.11% 16.51% 17.91%
Basel III capital ratios - Prosperity Bank

Where Prosperity Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Prosperity Bank's score of 95/100 falls in the highlighted band.

Prosperity Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

95 Top 7% higher than 93% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Prosperity Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Prosperity Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Prosperity Bank's $38.5B falls in the highlighted band.

Capital & credit buffers at Prosperity Bank

Tier 1 capital ratio
Well-capitalized 10%

16.51% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
16.51%
Texas Ratio
1.79%
Equity Capital
$7.4B

What these ratios mean →

Earnings posture at Prosperity Bank

Return on Assets (ROA)
71st percentile nationally
1.44%
Return on Equity (ROE)
7.55%
Efficiency Ratio
41.99%

What these mean →

Income & expense at Prosperity Bank

$1.6B
Interest Income
$158M
Non-Interest Income
$538M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Prosperity Bank reports a Texas Ratio of 1.79% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.79% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Prosperity Bank on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

Top 5 banks in Texas ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Prosperity Bank by assets

Prosperity Bank is closely matched in total assets by Atlantic Union Bank, Bank OZK, MidFirst Bank, Hancock Whitney Bank across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.17%, versus Prosperity Bank's own 1.44%; the average efficiency ratio is 53.80%, versus 41.99% here; and average Tier 1 capital sits at 13.73%, versus 16.51% at Prosperity Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $38.5B in assets, Prosperity Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to Prosperity Bank nationally by total assets
  1. 1
    Atlantic Union Bank $37.5B

    Richmond City, VA · Grade A

  2. 2
    Bank OZK $40.8B

    Little Rock, AR · Grade A

  3. 3
    MidFirst Bank $41.4B

    Oklahoma City, OK · Grade B

  4. 4
    Hancock Whitney Bank $35.5B

    Gulfport, MS · Grade A

  5. 5
    BankUnited $35.0B

    Miami Lakes, FL · Grade B

  6. 6
    Banc of California $34.7B

    Los Angeles, CA · Grade B

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Prosperity Bank (this bank) TX $38.5B 1.44% 41.99% 16.51%
Atlantic Union Bank VA $37.5B 0.99% 57.84% 13.02%
Bank OZK AR $40.8B 1.78% 35.94% 11.72%
MidFirst Bank OK $41.4B 1.19% 57.08% 18.53%
Hancock Whitney Bank MS $35.5B 1.41% 54.48% 13.24%
BankUnited, National Association FL $35.0B 0.89% 56.96% 12.73%
Banc of California CA $34.7B 0.78% 60.49% 13.15%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($38.5B here), outside Texas so the neighborhood is not state containment.

Atlantic Union Bank $37.5B · VA Bank OZK $40.8B · AR MidFirst Bank $41.4B · OK Hancock Whitney Bank $35.5B · MS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Prosperity Bank (FDIC Cert #16835) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Prosperity Bank Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Texas

All Texas banks →
BankAssetsGradeROA
Charles Schwab Bank, SSBWestlake $253.8B A 0.94%
Frost BankSan Antonio $53.1B A 1.26%
Texas Capital BankDallas $31.3B A 1.10%
Charles Schwab Premier Bank, SSBWestlake $27.0B A 1.47%
First Financial BankAbilene $15.4B A 1.64%
NexBankDallas $13.9B A 1.17%
PlainsCapital BankUniversity Park $12.7B B 1.05%
Stellar BankHouston $10.8B A 1.07%