Prosperity Bank: how it compares with its peers
Against 65 U.S. banks with half to twice its assets, Prosperity Bank's strongest measure in Q2 2026 is efficiency ratio (49.64% vs. a 52.70% peer median). Its weakest relative measure is assets per employee ($10.1M vs. $12.6M).
| Measure | Prosperity Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.37% | 1.25% | Middle third Ahead of 57% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.52% | 3.57% | Middle third Ahead of 46% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.64% | 52.70% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.1M | $12.6M | Bottom third Ahead of 30% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.84% | 87.00% | Context |
What it means for lending operations
Its efficiency ratio of 49.64% is better than the 52.70% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Barclays Bank Delaware Wilmington, DE · $43.45B
- MidFirst Bank Oklahoma City, OK · $42.83B
- Raymond James Bank Saint Petersburg, FL · $45.60B
- Bank OZK Little Rock, AR · $41.70B
- EverBank, National Association Jacksonville, FL · $46.69B
- Deutsche Bank Trust Company Americas New York, NY · $40.53B
Questions about Prosperity Bank
How big is Prosperity Bank?
Prosperity Bank, established in 1949, is headquartered in El Campo, TX. It reported $43.88B in total assets in its Q2 2026 FDIC call report and operates 406 offices.
What is Prosperity Bank's return on assets?
1.37% annualized in Q2 2026, against a 1.25% median for 65 U.S. banks with half to twice its assets, ahead of 57% of them.
What is Prosperity Bank's efficiency ratio?
49.64% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 52.70%, and lower is better.
Is Prosperity Bank growing its loans?
Net loans grew 12.8% over the year to Q2 2026, while deposits grew 18.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.