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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

Prosperity Bank

El Campo, Texas · $43.88B in assets · beside the 11 other Texas banks over $10B

The filing

3.2x
Coverage of noncurrent
1st of 10
18.5%
Equity / assets
2nd of 12
0.48%
NPA / loans
2nd of 11

Prosperity Bank is the second largest of the 12 Texas banks nearest its size over $10B, with $43.88B in assets at 30 June 2026. Loans are 76.0% of deposits, 5th of 12 against a median of 81.6%, and equity is 18.5% of assets, 2nd of 12. Loans grew +12.8% in the year, 2nd of 11, and deposits grew 18.4%; the cohort's median loan growth is +4.3%.

Noncurrent loans are 0.48% of the book, 2nd of 11 against a median of 0.77%; 0.43% is 30 to 89 days past due, and the allowance covers them 3.2 times. Net charge-offs are 0.35% of loans, 9th of 11. Commercial real estate is 31.1% of loans, 7th of 11 against a median of 27.7%, and 171% of capital, below the 300% screen, with construction at 69% against the 100% screen.

Return on assets is 1.35%, 6th of 12 against a median of 1.33%, on an efficiency ratio of 51.1%, 7th of 12. Five years ago it was 1.50%. The question is which of these lines moves first over the next four quarters, and against which peer.

Equity as a share of assetsTX banks over $10B · 30 June 2026 · higher is stronger, listed first
median 10.8% IB International Bank of Com 20.3% PB Prosperity Bank 18.5% SB Stellar Bank 15.2% SB Sunflower Bank National Association 12.3% FF First Financial Bank 11.8% AN Amarillo National Bank 10.8% PB Plainscapital Bank 10.7% TC Texas Capital Bank 10.1% FB Frost Bank 8.6% N Nexbank 8.4% CS Charles Schwab Premier Bank SS 7.9% CS Charles Schwab Trust Bank 7.7%
Loans, year over yearTX banks over $10B · 30 June 2026 · no better direction, largest first
median +4.3% SB Sunflower Bank National Association +77.5% PB Prosperity Bank +12.8% IB International Bank of Com +10.3% FB Frost Bank +8.1% PB Plainscapital Bank +6.9% TC Texas Capital Bank +4.3% AN Amarillo National Bank +3.8% FF First Financial Bank +3.2% SB Stellar Bank +3.1% N Nexbank -2.2% CS Charles Schwab Premier Bank SS -100.0%

SBA 7(a), FY2008 to FY2026

Prosperity Bank is the 37th largest 7(a) lender into Texas of 706, with $281M across 727 loans, 0.6% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 47 of its 61 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Bexar, TX$77M5th of 2373.6%-0.4 pts
Travis, TX$41M13th of 2391.6%+1.0 pts
Nueces, TX$17M3rd of 866.0%+0.3 pts
Harris, TX$17M84th of 3140.2%-0.0 pts
Williamson, TX$17M16th of 1811.4%-0.1 pts
Midland, TX$12M4th of 904.9%quiet FY2020
Wichita, TX$11M1st of 659.8%-4.1 pts
Comal, TX$8M6th of 982.9%quiet FY2022
Collin, TX$8M73rd of 2610.3%-0.5 pts
Dallas, TX$8M108th of 3140.1%quiet FY2022
Lubbock, TX$7M15th of 972.0%quiet FY2021
Brazos, TX$5M9th of 922.5%quiet FY2022
Oklahoma, OK$5M37th of 1720.5%quiet FY2011
48 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services126$50M16.9%0.07%221st of 2,596
Health care & social assistance99$41M13.9%0.09%149th of 2,172
Manufacturing61$30M10.1%0.08%226th of 2,246
Retail trade103$28M9.5%0.05%268th of 2,589
Professional & technical services56$20M6.8%0.06%190th of 1,955
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Prosperity Bank
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans PB Prosperity Bank 0.6% $281M · 727 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Prosperity BankRankCohort median
Total CRE against capital, the 300% screen171%8th of 12120%
Construction against capital, the 100% screen69%9th of 1239%
Construction and land development, share of loans12.6%8th of 1110.6%
Non-owner-occupied nonfarm nonresidential, share of loans15.8%8th of 1110.2%
Total CRE, the guidance definition, share of loans31.1%7th of 1127.7%
CRE growth over 36 months, the third prong+12.7%7th of 10+6.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Frost Bank$53.95B1.3%62.5%0.55%0.13%1.2%52.6%8.6%
Prosperity Bank$43.88B1.4%51.1%0.48%0.35%1.5%76.0%18.5%
Texas Capital Bank$33.62B1.0%59.3%0.50%0.27%1.1%84.9%10.1%
Charles Schwab Premier Bank SS$26.58B1.5%14.9%0.00%0.00%0.0%0.0%7.9%
Sunflower Bank National Association$15.65B0.2%75.2%1.63%0.90%1.5%86.9%12.3%
First Financial Bank$15.23B1.7%44.9%0.77%-0.01%1.3%62.9%11.8%
Nexbank$14.16B1.1%50.8%1.47%0.06%0.4%84.5%8.4%
Plainscapital Bank$12.68B1.1%75.1%1.03%0.16%0.9%87.0%10.7%
Charles Schwab Trust Bank$10.51B2.0%25.4%no recordno recordno record0.0%7.7%
Stellar Bank$10.40B-0.6%96.3%0.69%0.14%1.1%86.0%15.2%
Amarillo National Bank$10.38B1.7%49.2%1.54%0.75%1.3%78.7%10.8%
International Bank of Com$10.19B2.7%36.5%2.21%0.03%1.6%109.0%20.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Prosperity BankCohort median
20212026Change20212026Change
Loans$19.25B$25.03B+30%$5.53B$8.82B+59%
Deposits$29.19B$32.93B+13%$10.30B$12.17B+18%
NPA / loans0.17%0.48%+0.30 pts0.54%0.77%+0.23 pts
Efficiency40.1%51.1%+11.0 pts52.6%51.0%-1.6 pts
ROA1.50%1.35%-0.15 pts1.26%1.33%+0.06 pts

This read was prepared for Prosperity Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Prosperity Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks over $10B
Institution www.prosperitybankusa.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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