Prosperity Bank (FDIC #16835): Bank Stress & Real-Estate Credit Exposure
Prosperity Bank (FDIC Cert #16835): bank stress 33/100, contained, STABLE over 7 days; parent PROSPERITY BANCSHARES INC (PB).
Prosperity Bank (#16835) lends in 92 counties across 2 states; Prosperity Bank (#16835) reaches 1,388 ZIP codes: Texas 89 counties, 1,275 ZIPs; Oklahoma 3 counties, 113 ZIPs.
Prosperity Bank (#16835) largest markets: Harris County, TX (4,719 branches, 143 ZIPs) (#16835), Dallas County, TX (2,280 branches, 95 ZIPs) (#16835), Bexar County, TX (858 branches, 78 ZIPs) (#16835), Tarrant County, TX (836 branches, 76 ZIPs) (#16835), Travis County, TX (756 branches, 63 ZIPs) (#16835), Oklahoma County, OK (440 branches, 55 ZIPs) (#16835).
Prosperity Bank (#16835) reports $43.88 billion in total assets; Prosperity Bank (#16835) equity $8.11 billion (18.5% of Prosperity Bank (#16835) assets); Prosperity Bank (#16835) domestic deposits $32.93 billion; Prosperity Bank (#16835) net income $293.3 million; Prosperity Bank (#16835) return on assets 1.37%; Prosperity Bank (#16835) return on equity 7.42%; Prosperity Bank (#16835) net interest income $655.2 million; Prosperity Bank (#16835) call report June 30, 2026.
Prosperity Bank (#16835) noncurrent real-estate loans: none reported; Prosperity Bank (#16835) residential -0.04%; Prosperity Bank (#16835) net charge-offs on real estate 0.47%; Prosperity Bank (#16835) commercial charge-offs 0.63%; Prosperity Bank (#16835) residential charge-offs 0.25%.
Prosperity Bank (#16835) net interest margin 3.52% against an eight-quarter Prosperity Bank (#16835) average of 3.21% (Prosperity Bank (#16835) compression -0.31 points); Prosperity Bank (#16835) commercial real estate 63.4% of equity; Prosperity Bank (#16835) non-residential real estate 25.4% of equity; Prosperity Bank (#16835) rate-exposure score 46/100, Prosperity Bank (#16835) fixed-rate trap 46/100; Prosperity Bank (#16835) risk type market signal; Prosperity Bank (#16835) rate regime rates elevated; Prosperity Bank (#16835) shares 9.2% below the 52-week high, Prosperity Bank (#16835) equity trend weakening, Prosperity Bank (#16835) snapshot October 20, 2026.
Prosperity Bank (#16835) stress score moved from 36.3 on June 22, 2026 to 33.2 on October 20, 2026; Prosperity Bank (#16835) ranged 33.2 to 36.3 over 117 snapshots.
Prosperity Bank (#16835) alerts: 40 counties; top Prosperity Bank (#16835) alert scores: Bandera County, TX 32 (low); Tyler County, TX 30 (low); Victoria County, TX 26 (low); Rusk County, TX 26 (low); Caldwell County, TX 19 (low).