# PROSPER BANK
PROSPER, TX · FDIC certificate 14485 · asset band <$300M · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $80.1M | |
| Deposits | $67.1M | |
| Loans and leases | $51.8M | |
| Total equity | $9.1M | |
| Loans / deposits | 76.16% (p53 of band) | 74.58% |
| Liquid assets / assets | 30.09% (p47 of band) | |
| Uninsured deposits / deposits | 7.00% (p18 of band) | 14.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.69% (p65 of band) | |
| FHLB advances / assets | 3.92% | |
| Tier 1 leverage | 11.26% (p58 of band) | 10.79% |
| Unrealized securities loss / equity | 6.67% (p85 of band) | 2.02% |
| AOCI / equity | 0.13% (p22 of band) | |
| ROA (annualized) | 1.95% (p93 of band) | 0.86% |
| Net interest margin | 4.47% (p88 of band) | 3.65% |
| Efficiency ratio | 64.25% (p30 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.67% |
| Net charge-offs (annualized) | -0.01% (p18 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 83% | |
| Construction % of loans | 163.17% (p99 of band) | |
| Auto loans | $48,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.7% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | reserve under noncurrent |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | charge-offs p90, deposits shrinking, assets shrinking | losing money, expense ratio p90 |
| 2012-06 | 0 |  | charge-offs p90, deposits shrinking, assets shrinking |
| 2012-09 | 0 |  |  |
| 2012-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2013-03 | 3 | charge-offs p90, reserve under noncurrent | uninsured deposits leaving |
| 2013-06 | 0 |  | capital falling, charge-offs p90, reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | expense ratio p90, uninsured deposits leaving |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 | reserve under noncurrent, construction >100% equity | expense ratio p90, uninsured deposits leaving |
| 2016-03 | 1 |  | reserve under noncurrent |
| 2016-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2015-06-19 [Prosper Bank Robbery Suspect Caught In McKinney - CBS News](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNdzltdnlMeVpsQXdST0dTZjNlSjhlOEJ1Z2QyV0xtSklCd2FfSDJrTVhKb0xWMVFvWFlHN1YzN1J2aFhMWTlGSlZtSDZjTEZwbWlKajFPd3BHQlI4RjkzcFdUdlhGVjZJRlIwWTZ1MWdGWDgyNVdMV3ItenVIZTdZb09NaDZGN0hYWlBB?oc=5) · CBS News
- 2016-09-27 [Prosper Bank announces merger - starlocalmedia.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPVVVJUXBsOU1zR0tHaEtsMV9ZVUxhdzJfVWVhcXgwVS1fSTlkcWhFQVp1anlmY3FUUjFYN3BBbTRjNlgxYzVZeWlLUklXZ3NNbk4wVlBjTDNGdzVpc3RmMXJyS2RBVjBDNFlWeXEzdHNNSWVaZEVpZjJFZHR2Y3N4aEJ0UWR0YTdMdXNURUZVZEk1RHFGcnB1bXE5aHZ1UGtGd3ROdW5MYktfMm94YkR5SmdLU2E4ZkZrSVg0?oc=5) · starlocalmedia.com
- 2014-04-09 [Two More Sentenced in North Texas Bank Fraud Case - NBC 5 Dallas-Fort Worth](https://news.google.com/rss/articles/CBMilgFBVV95cUxOZ2gtS2JSRWoxY2huamJkbjJxYkRvVGpYRXRQQnlvZ3BIQmM2Y1lXRnlHMVp3TFVmanFPQ21RZHFtV2djX0dIQkxkTTRfV3otT2xpdmZVbGZVbTNtTUxFNlZyUl9VTVRUUThrek4zd3NXX0RPYURVUndqLUx0NWphY0hlWDBMWVVyWm1BeUR5UTNPd2cwVFHSAZ4BQVVfeXFMTmpRRHgyQzlZcnAzbEdvc0JHTEpMTy0xMlZqZmlCVVpXbm9oWi1jQ1MtMVVqS3VIUndjS0lCZGVvVXgwV29vdGtCWWhsdl9obWlSS0ZzY2l1OUk5YU8tbVFlRGtpNnFQYk13Y2Z1REYwZmxLcDk1dGpEZEpVT0VuNzBBSlVvY1NYajZfSElRQlpKV3hGYzVIM0NvSkJraWc?oc=5) · NBC 5 Dallas-Fort Worth
- 2020-11-17 [Coatesville Savings Bank changes name to Prosper Bank to reflect expanded reach, customer focus - PennLive.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQcDNqa3Z5WnFNWmducWlqa3VmdWMtd1RQUUFfSHc5Y0tkUUt3WlZwMlJGNjZYTW1rNF9YYUJMa3U3TmNWczBubVF2aDNtYnp3NVZlMXVtODl4Nk1zZXB0Q2p6aTcxZU5HNVVpODlfdk8tZnlyUUNxVlZvaWVLdUVxLUN0QmNPNGV2LVhBRG40UGlfbU9mWHR6Tl93NTdSSlh2V2VaOVBwZTk0VzBNSEVZYjdHQTI1Z3NDd2xpOGFWbGxncG5jcTlGQUs4bXdEb3dTRTlwZmFJeWU?oc=5) · PennLive.com
- 2008-09-03 [Cynthia Cockrell Obituary (2008) - Dallas News](https://news.google.com/rss/articles/CBMipgFBVV95cUxOQ3VJTFRxaTNNb3RzWC1qblV4NHlwdzU3OEFVMmdYZDZOWnVZUWhRQ29RSU4zMmYxWXY2TzdHOUhfOWRTMEU5RXo2b3FUdjRMd2tPSGhuRlZPRkh6VTN3eWo1V3ZPWlpuSGg2MDVUY0xTWUk5bkx5Z19NUWEzV2o3S3djVkM2a3pTU2JFZkRYUWxHVnVCMW92eUZibTFORTZEZF82T2Nn?oc=5) · Dallas News
- 2015-06-19 [Prosper Bank Robbery Suspect Arrested: Police - NBC 5 Dallas-Fort Worth](https://news.google.com/rss/articles/CBMikAFBVV95cUxOTHUzOVZieUpqaWFlTWlVZU82S3QtQ1lWLU85QVVmTFp0NWJ2N0VzaGZlczBydnRYdlNNeWo5X09TLW1mT1k5UEJhdWVkZ2VwdXlsdGprWmVZQXl1b1NjbHM0RG0tbXJWZEpNUnZ6QU5Haks2NklkZE4wZ29aUUJrSnVvZjdaN1RVOF8zR0ZHNkTSAZgBQVVfeXFMTXFyMnpzRDJVR1ZKRXpWSFVoTHNtNnI5MExVUmZzUjl5M2pueWFaVmRESmJhM3FVYWxmeVRGOWo0UmNiWUVOM0IyZmtpaXpnTnFXWXJsSWRkVlExQ0hSeTNSMzl3bjFGNTBnTWNOZ2JwOThEdzZ6LWlfMjhLWVNnNmxKdk5LZTVKSkZIYS1Yelp2VTM4WVl0d3A?oc=5) · NBC 5 Dallas-Fort Worth
- 2008-03-31 [Red River Regional Hospital now under local ownership - North Texas e-News](https://news.google.com/rss/articles/CBMibEFVX3lxTE04VGpJYm52Z0ZITHZidjZsS192bDMwSjZwSTZ6VVB6aWtVM1l1a3lMalRHTXJ4Mms5VFZUeUp4djVZV2pCT2NuMktQS0drd3FaSWo2RkpRMlZqNVNHN3l4ODlUVzlkRS1WQUszMA?oc=5) · North Texas e-News
- 2015-10-19 [Jaclyn Hughes Obituary (2015) - Gunter, TX - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxONERFeDVsOHNNWmh5MEk4OExwZ2trQmM5bVNMVlpPOFhDYm5RSTlZQkZTY19uNjVlOENjWWMzOXVFalVpWDhMTm1KNDJSWENoSzFpOC1WQjJobkl3d1ZodkR3cHdWNTkxdFFpWS05b280dlBQbDVuS1B2YzVYVnpYSmZvS0k?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14485 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/21.json (key "14485", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide