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Prosperity Bank
El Campo, TX·FDIC Cert #16835·Charter: STATE·Est. 19490913.0·HC: PROSPERITY BANCSHARES INC
Total Assets
$38.5B
Q4 2025
Return on Assets
1.44%
+0.02%Peer avg: 1.12%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
41.99%
Peer avg: 53.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
64
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.44%+0.02
ROE
7.55%+0.10
Efficiency
41.99%-0.42
Equity/Assets
0.00%+0.00
NPL Ratio
0.64%+0.15
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
74.64%-2.38
Charge-offs
0.08%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.2 | 1.2 | 1.2 | 1.3 | 1.4 | 1.4 | 1.4 | 1.4 |
| ROE | 6.5 | 6.4 | 6.7 | 6.8 | 7.2 | 7.4 | 7.5 | 7.5 |
| Efficiency | 46.4 | 47.8 | 46.3 | 45.6 | 43.4 | 42.8 | 42.4 | 42.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.4 | 0.4 | 0.3 | 0.3 | 0.5 | 0.5 | 0.6 |
| Charge-offs | 0.0 | 0.1 | 0.1 | 0.1 | 0.0 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 76.8 | 78.3 | 78.1 | 76.6 | 76.4 | 78.6 | 77.0 | 74.6 |
Balance Sheet
Total Assets$38.5B
Total Deposits$28.8B
Total Loans$21.5B
Total Equity$7.4B
Profitability
ROA1.44%
ROE7.55%
Efficiency Ratio41.99%
Net Income$556.3M
Risk & Asset Quality
NPL Ratio0.64%
Charge-off Rate0.08%
Loan/Deposit74.64%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans