BlastPoint's Banking Scorecard
Prosperity Bank
Large
Specialty: Commercial
TX
FDIC cert 16835
El Campo, TX
69
banks in Large tier nationally
4 in TX
View Large leaderboard (TX) →
Prosperity Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 13.93% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$38.5B
-2.9% YoY
+0.3% QoQ
|
-$36.4B |
$74.9B
-4.4% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
39% |
| Total Loans ? |
$21.5B
-1.5% YoY
-1.0% QoQ
|
-$25.0B |
$46.4B
-2.1% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$28.8B
+1.1% YoY
+2.2% QoQ
|
-$31.7B |
$60.5B
-4.5% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
1.44%
+14.7% YoY
+1.5% QoQ
|
+0.24% |
1.19%
+17.8% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
77% |
| Net Interest Margin ? |
3.23%
+8.2% YoY
+0.7% QoQ
|
-0.23% |
3.46%
+13.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
36% |
| Efficiency Ratio ? |
41.99%
-7.9% YoY
-1.0% QoQ
|
-13.04% |
55.03%
-2.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
0.64%
+84.1% YoY
+31.3% QoQ
|
-0.24% |
0.88%
-0.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
74.64%
-2.6% YoY
-3.1% QoQ
|
-7.08% |
81.72%
+3.9% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
33.91%
-2.3% YoY
-3.6% QoQ
|
+13.93% |
19.97%
+0.5% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.39%
+90.4% YoY
+25.8% QoQ
|
-0.16% |
0.55%
+9.0% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
16.51%
+0.9% YoY
-0.1% QoQ
|
+3.18% |
13.33%
-0.7% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.41%
+8.4% YoY
+34.2% QoQ
|
-0.68% |
1.09%
+2.4% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Large
Why this stands out
Current:
33.91%
(Tier avg: 19.97%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 33.91% · Tier avg: 19.97%
88
88th pctile
Efficiency Ratio
Current: 41.99% · Tier avg: 55.03%
87
87th pctile
Tier 1 Capital Ratio
Current: 16.51% · Tier avg: 13.33%
77
77th pctile
Return on Assets
Current: 1.44% · Tier avg: 1.19%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.55%
59
59th pctile
Delinquency Rate
Current: 0.64% · Tier avg: 0.88%
39
39th pctile
Total Assets
Current: $38.5B · Tier avg: $74.9B
38
38th pctile
Total Deposits
Current: $28.8B · Tier avg: $60.5B
36
36th pctile
Net Interest Margin
Current: 3.23% · Tier avg: 3.46%
29
29th pctile
Loan-to-Deposit Ratio
Current: 74.64% · Tier avg: 81.72%
26
26th pctile
Total Loans
Current: $21.5B · Tier avg: $46.4B
24
24th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 1.09%
Top Weaknesses
24
24th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 1.09%
26
26th pctile
Total Loans
Current: $21.5B · Tier avg: $46.4B
29
29th pctile
Loan-to-Deposit Ratio
Current: 74.64% · Tier avg: 81.72%
36
36th pctile
Net Interest Margin
Current: 3.23% · Tier avg: 3.46%
38
38th pctile
Total Deposits
Current: $28.8B · Tier avg: $60.5B
39
39th pctile
Total Assets
Current: $38.5B · Tier avg: $74.9B
59
59th pctile
Delinquency Rate
Current: 0.64% · Tier avg: 0.88%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.55%
77
77th pctile
Return on Assets
Current: 1.44% · Tier avg: 1.19%
87
87th pctile
Tier 1 Capital Ratio
Current: 16.51% · Tier avg: 13.33%
88
88th pctile
Efficiency Ratio
Current: 41.99% · Tier avg: 55.03%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 33.91% · Tier avg: 19.97%