# PROSPERITY BANK
EL CAMPO, TX · FDIC certificate 16835 · asset band $10-100B · latest filing 2026-06 · live

**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 | $43.88B | |
| Deposits | $32.93B | |
| Loans and leases | $25.03B | |
| Total equity | $8.11B | |
| Loans / deposits | 74.84% (p23 of band) | 85.78% |
| Liquid assets / assets | 31.98% (p78 of band) | |
| Uninsured deposits / deposits | 42.73% (p63 of band) | 38.39% |
| Brokered deposits | 0.07% | |
| Wholesale funding | 5.99% (p43 of band) | |
| FHLB advances / assets | 5.47% | |
| Tier 1 leverage | 10.64% (p63 of band) | 10.17% |
| Unrealized securities loss / equity | -11.00% (p31 of band) | -7.43% |
| AOCI / equity | 0.00% (p82 of band) | |
| ROA (annualized) | 1.37% (p60 of band) | 1.24% |
| Net interest margin | 3.52% (p44 of band) | 3.57% |
| Efficiency ratio | 49.64% (p34 of band) | |
| Noncurrent loans | 0.48% (p29 of band) | 0.66% |
| Net charge-offs (annualized) | 0.20% (p77 of band) | |
| Reserve coverage of noncurrent | 320.98% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 38.77% (p61 of band) | |
| Auto loans | $6.4M (0.03% of loans; DQ 0.48%, NCO 0.00%) | |
| Loans to nondepository financials | $1.75B (22% of equity) (p70 of band) | |
| Deposits YoY | 18.4% | |
| Employees | 4324 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | leverage <7% |  |
| 2011-06 | 0 |  | leverage <7% |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | leverage <7% |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 0 |  | leverage <7%, capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 2 | leverage <7% |  |
| 2014-09 | 0 |  | capital falling, leverage <7% |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | leverage <7% |  |
| 2015-06 | 0 |  | leverage <7% |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | deposits shrinking |  |
| 2023-03 | 2 | uninsured deposits leaving |  |
| 2023-06 | 3 | capital falling |  |
| 2023-09 | 1 |  | uninsured deposits leaving, capital falling |
| 2023-12 | 0 |  | deposits shrinking |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | capital falling |  |

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

- 2026-09-04 [Prosperity Bank, city of Lubbock host American Tribute Flag Field - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMiywFBVV95cUxQWXVpdFhILUhseFZSYmR6cENIWmtRMUNrR0NraDhuWElYWnBjQXJRZUJ2RU5GNldXb1p0VGU0dzNmNEt6MjBRWFpQWE9iaVFNOExLSWU5cDV6eUZXYVVhbFZFNmFpNlhPTDU0ZDdsZVZ4MW9hajktVFpMcHp2MjYyQi1XQnF4YVdOdHh6S1VDY1hQOHExaHlkV2lQZ3RnZlE2cXpfVXd6eWFiUHFoR1VhS2FaTTJEak5MejdPaGN5ZjM2aHpMMzRkZ2d4bw?oc=5) · Lubbock Avalanche-Journal
- 2026-01-28 [Prosperity Bank continues its Texas tear - Banking Dive](https://news.google.com/rss/articles/CBMimwFBVV95cUxQdkFMa2Y5S0JRREx1MndKVm0xd3RKVUpYTFktbUUtTVlQY1FNSWdiUWEtWnRoM3FKTUpHZDhjZTdjUndKejZPSmVKc25kMjg1cnlJd1dhTDBxZ1dydjc4OXVSRC1Da1Z1VXc5NHBzTV9MTkc5dHR5OW5DbjJLQlF4X3FWcmw1S0NrdlZULXpJOXhORl9jSTU4aXJENA?oc=5) · Banking Dive
- 2026-07-01 [PROSPERITY BANCSHARES, INC.® COMPLETES MERGER WITH STELLAR BANCORP, INC. - PR Newswire](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQR0w0T28tbDVpbFh3SmNramIzU1NZaHd0NDcxdWszTHhwTElDZmZiZlJqSFVmbkV1cWdMTXMwWG44cnU1Yk9FbVNUTFBCYUEydnRMN3FUZGZNTTlrUzBla3Bvb2ZkT3BiQXVYNzF1R0FnWlprSjV4RWJHRFA0MVBWcVByRTlGbV9xSVdEMFRrLTVVTGwtX0xjYmxyckp2bWxOOGZxVmRnVHZaRHFRX1IzSFE3dHFMZFBkTFotZ1BSWFY?oc=5) · PR Newswire
- 2026-07-02 [Prosperity Bank closes $2 billion acquisition of Stellar Bank - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOYVNWWkczRkhsaHNoZkdTMkpBUk9kNHJZLVQ0QXlNMkZpRGF0b3BIcFFITHgzMDJFNU9QWjdaXzhCSURHT3JEQndkQk1FSGEwdnpoNmJBODlXOWNrTUxiOUdoTnFUZ1NhWDVBdVN5SW5XNWJMSFIwWkNCQ1h6bUh3Y2VZQ1FzenNnNUE5SXNiT3FxclRhVk9sY25xRTRYOG1ub2REdWx3?oc=5) · The Business Journals
- 2026-04-30 [Unsung Heroes honored by Metro Rotary & Prosperity Bank - KCBD](https://news.google.com/rss/articles/CBMilwFBVV95cUxNLV92LXhvNFJ3RElFVV9BM1pqeFNRaEJuOEVtX2Y3Z0U5Tng5dm1LNUxMWDVlUlhvdTl0d2RPU0lNdDMtcE9yTmJLNGlNd0Ywd05rT00tLW9FSGp6dmhzSUtSM0JoeFhvZmVPeW5KdTljeXNic1Fnc1dwZk1xZi10TjNydXYxRmNZVFBKZ25kNV9hZFFXczBF?oc=5) · KCBD
- 2026-03-19 [Prosperity Bank wraps up Bankers Build Week at Habitat for Humanity - CBS7](https://news.google.com/rss/articles/CBMiogFBVV95cUxPZkRaYlR4ZlpjVGp1WVNhMTF4U1lYQmhadnFyZFBhLW0tRlZVUGFvWkJqWTIxYThWdWZGTTRCNExNZzZ2TDY4ZGZXX3dXak1TS3dyb29MVFRBNVNTMkhITWc3dFdrTDlYamRlaEVmNUNZVnFHbTNhS1YxeTNMY0VudEtabmN5SHR0YkEzUE15V0FLS09hNzhDclNEbTl5cm5QYnfSAbYBQVVfeXFMT0tQVzBTd1J0LU1YZU01aXZEREU5Zi1iby0xcFI1a1NoWExhTE9NV2pmVkhzTE5wd29nYW44WDdiNlpGWHd1ampiVm5oR29EUk9hQXp4amVJdktrWkUtMlNqMG81ZXozOXhCTHZZSzl5ZDdqeldyX3ZXSWQzZjRCM3U5ZGFlSTBETFFLOFJPYkh4eVd2SW9ReVFhaFFPbzQ5MFhjdnExeFRtMGhxQzMxdmphaFphVFE?oc=5) · CBS7
- 2026-07-01 [Prosperity Bancshares Completes Merger With Stellar Bancorp - Pulse 2.0](https://news.google.com/rss/articles/CBMihgFBVV95cUxQTHJCcUFPNy0tc2JoRXhJNk16elcwVnRXbDZ0S2lzN0NhM1NTVHd3M3pfbV9XaWh1RnpCNTBMUUtjZDR6MnZubndBXzVDdmNadHBZZDVvaWtHUWxWN1d0ZjBIQ1VKaTJnUENFblZuUExlaWY4WkpSZUJydXN2bzFyVkNSTG4xUdIBiwFBVV95cUxQTXRUbkIzR1ZPUFUwVTRSM1hMRG9HNUJqeV9uMEpyOExLVTFYN3VDYWpoQUh3RGRXTVRWVzRSZXMwR2NiRDJvZ1Rad2t0SlVQOENTWTBTaTJQd0p0cWs3amZsM1pvU0NIaWZ0YUdFRXRpX2lIMF9LTmswN2ZVRGNCbjVhUjJTZU5jSk1n?oc=5) · Pulse 2.0
- 2026-01-29 [Prosperity Bancshares and Stellar Bancorp to merge in $2bn deal - Retail Banker International](https://news.google.com/rss/articles/CBMihwFBVV95cUxNVXdlbmRfRVk4MkNJclN6bFd4VkVlNnphRm9haFM2TjI1VS1xanF5NkJPYXVENjdIZUZXZ25YR1NLZUN3eHFkQy1YQ0FZMFg2cHhBbjFUdVB4emJxVjJfRklPUXF3b2xNTW5VS3k3cUxNX2E1bk9mSTFFVzVRWGZfNmlTWXM5dUE?oc=5) · Retail Banker International

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16835 (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/3.json (key "16835", 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