# PROSPERITY BANK
SAINT AUGUSTINE, FL · FDIC certificate 24963 · asset band $300M-1B · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $747.5M | |
| Deposits | $490.9M | |
| Loans and leases | $488.5M | |
| Total equity | $60.3M | |
| Loans / deposits | 98.06% (p90 of band) | 77.22% |
| Liquid assets / assets | 25.80% (p40 of band) | |
| Uninsured deposits / deposits | 9.09% (p17 of band) | 17.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 25.15% (p96 of band) | |
| FHLB advances / assets | 22.07% | |
| Tier 1 leverage | 7.05% (p4 of band) | 9.97% |
| Unrealized securities loss / equity | -10.71% (p8 of band) | -0.65% |
| AOCI / equity | -5.50% (p31 of band) | |
| ROA (annualized) | 0.14% (p7 of band) | 0.83% |
| Net interest margin | 3.27% (p31 of band) | 3.56% |
| Efficiency ratio | 81.78% (p81 of band) | |
| Noncurrent loans | 1.90% (p65 of band) | 1.31% |
| Net charge-offs (annualized) | 0.57% (p90 of band) | |
| Reserve coverage of noncurrent | 76.77% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 57.63% (p74 of band) | |
| Auto loans | $431,000 (0.09% of loans; DQ 11.37%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -4.1% | |
| Employees | 153 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, leverage <7%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | reserve under noncurrent |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | expense ratio p90 |  |
| 2012-06 | 3 | reserve under noncurrent | expense ratio p90 |
| 2012-09 | 4 | deposits shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2012-12 | 6 | reserve under noncurrent, assets shrinking |  |
| 2013-03 | 7 | losing money, charge-offs p90 | uninsured deposits leaving |
| 2013-06 | 5 |  | assets shrinking, losing money |
| 2013-09 | 3 |  | leverage <7%, deposits shrinking |

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

- 2026-01-28 [Prosperity Bank continues its Texas tear - Banking Dive](https://news.google.com/rss/articles/CBMimwFBVV95cUxQdkFMa2Y5S0JRREx1MndKVm0xd3RKVUpYTFktbUUtTVlQY1FNSWdiUWEtWnRoM3FKTUpHZDhjZTdjUndKejZPSmVKc25kMjg1cnlJd1dhTDBxZ1dydjc4OXVSRC1Da1Z1VXc5NHBzTV9MTkc5dHR5OW5DbjJLQlF4X3FWcmw1S0NrdlZULXpJOXhORl9jSTU4aXJENA?oc=5) · Banking Dive
- 2026-01-02 [PROSPERITY BANCSHARES, INC.® COMPLETES MERGER WITH AMERICAN BANK HOLDING CORPORATION - PR Newswire](https://news.google.com/rss/articles/CBMi0wFBVV95cUxORXR5cmpDU3FfNTltN084ZmNIVnBNNXdTdTFmNjdHbFZNSW9aWWNmakNTWXg4aXJKVkpFbEtaN2Nid1RmRVBlTnl0MlgzUEVlTno3VFNHZTR5N2ZxelNPc0pkOGFMcEc1ZGVfTGlPQmhKQlNoV19aUWR1dXU5d2hEOURYZFpfM2l6UUNRUVRTQWk1LU5uMk40Nk8wbURUdEsyeXJMa2J2aHBKZHZ1Xzc0VWxiVEdFN3J6aWNnWlZnVy0zbnU4WXdBRm1ZblBIdEZRWmdJ?oc=5) · PR Newswire
- 2026-01-26 [Prosperity Bank Acquires Texas Partners, Rebrands Branches - Connect CRE](https://news.google.com/rss/articles/CBMimwFBVV95cUxQTThKRUUtdDhxbHkzSFh5czVnNW10M2dFdm9kRFRqbjJIY2dTVVRBTU4yN2NodWI3Z1VaUzl3NDRUQl9jU3B4Z1p3WUZub18wX2pSaXAwMGptU09NQUdRWEdkREgtdWpSYVNmVm8xQmlOWXdlNml6WjQwUGJfcnk0Mk1nQ2VfUVhlLWs4V3EwV0RQRU1mSXlqYWtqTQ?oc=5) · Connect CRE
- 2025-10-02 [Prosperity scoops up another Texas bank for $269M - Banking Dive](https://news.google.com/rss/articles/CBMimAFBVV95cUxOaHJ0QXBBV09fMC1nOGtPVlZvdDJIWDFlR2NGa2w2WTlmaGo2VHZ2LVRLQUZpV2pZVzY5cGh2R3Z4TU1LUkYxY01HQ2ZxbGhCVFllaWxSN1ZOUXQtekkzekdIMFFmZDc0aHJDQXJEWGVkRkU3NFRNX1JMejlUVHRCU2tqZEJZeEgzSzV3bjg4MS0xMUs3MGFYaA?oc=5) · Banking Dive
- 2010-09-05 [Prosperity Bank recognized for National Guard support - St. Augustine Record](https://news.google.com/rss/articles/CBMiugFBVV95cUxNYzZmaHhPXzRVcG5fTE52eVh0VTRhQnM5MnQ5UXZiMXhZZjZKemFGYlVueXFDTWRYcThjNTUtVXFJeFFtd2JqakdUYWpuSC1mRkU5dFdhTDlkVE9sMHRlT0lvcDBBT2FNTlU2Y1FfaGFZUy1kMWVmU29LenNCMG9QVXUwWU1UcXBvTUN2VXRDYktrQ2dHOFd2VXo5N2I4Zy05RGZaVUN3S1RWWjJKYk4yTGEtTWZRLWs4MkE?oc=5) · St. Augustine Record
- 2015-08-06 [Houston banks Prosperity, Tradition agree to merge - Houston Chronicle](https://news.google.com/rss/articles/CBMisAFBVV95cUxPUDRLR1VFdUU5ZWZSTFRiU2JINGZrTU1GM1QtRGRzLW9BTnByTnlqd2pfN0ExY2ZpMWhBcndVWUJQN1E2SmhCMXczUU41S1RCYlNWTnlFbTZxVWZpaTQ4bWc4UzdtMWtfcGRwTEZ3aWVGaF9WU1JoTFNDLTNTQVJFMTdRUVRqb2kzRldxU0xjRi1YazBFbVZCNmNlVUQ0YzFubmFuNHlQdXJFRnJISi1oMw?oc=5) · Houston Chronicle
- 2023-02-10 [Police searching for man allegedly involved in two Austin bank robberies - cbsaustin.com](https://news.google.com/rss/articles/CBMijgJBVV95cUxNYVpCSnJYVVJ0NjgzQktndW5MT183eTlSMzZQLXFCbnJsMktQR1hrbUZXck1sUy1XN2FpaDJ4U25KR0JNNXhRczNFdWgycjNLQWZiSHZBWUhUZ1JnSm9xVk9KMmhOSFRRNGJfaC1LTUhERU9nb2NTQi00Qmdtd1pXSGQ3dDBmY3NRVFBVY0s5QlNJVmJOZk5TaWEzMmozd0dhRTRtS21uX00yaThNakstSlZFZE5TelpWR1JGS0JkbG1ENVE3djhlQ3liWWdkM2lVektXTXNUeW9ZeUlVOWFvMDdIM2VBbW1zVEd2YllxZlRIWjZvbVRzWTFPNmRjZXEtME5SR1hqbHpWb1AyV3c?oc=5) · cbsaustin.com
- 2023-01-09 [Prosperity Bank president credited with helping police catch Chase Bank robbery suspect - kfdm.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxPaGNvWmFSMm9ZWDk1UlBiRHE4WG83bzVfd0tzekhwRS1TN0xRbllQYk9MYjVfUi1vbjZOQVR5ZGtmSVJjTDRhU2NSUlRXaFNtRVExNHVENXd0TDV2UUViSGlvVEYycHdYS2o0SVBBS24wU2NmYnBsZWlqSHhKQjZQZVBFcG9Tc19oMGdiRV9KZkxqTVN5TnNDdDBwRVZkM29iVVh1S2VINlRBaGJGYXZOZmRMOXZnQQ?oc=5) · kfdm.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24963 (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 "24963", 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