The institution: an El Campo charter and a Houston parent
Prosperity Bank is the Texas state-chartered bank at FDIC certificate 16835, recorded as active in the October 2, 2026 institution directory. The directory identifies El Campo as the bank’s city. Prosperity Bancshares, Inc., the Houston-based publicly traded financial holding company, is a separate legal and reporting entity. Its PB shares represent ownership in the parent, not a separately listed bank.
The bank held $43.875 billion in assets at June 30, 2026, placing it 54th in the domestic-bank asset inventory used for this series. That rank is a dated comparison of insured institutions. It is neither a ranking of consolidated holding companies nor a description of Prosperity’s size after the July Stellar acquisition.
The June balance sheet: deposits exceeded net lending
The FDIC figures below cover Prosperity Bank alone. Amounts are converted from thousands of dollars; income covers the first six months of 2026 rather than the second quarter alone. The distinction matters because the parent’s June consolidated assets were $43.873 billion and its first-half net income was $284.9 million, which differ from the bank figures.
Calculated from the bank snapshot, net loans equaled 74.8% of deposits and deposits funded 75.1% of assets. The balance sheet therefore extended beyond a simple deposit-to-loan spread business. These ratios describe its composition; they do not establish how much was immediately available or identify funding duration. Book equity also includes accounting items that do not qualify identically as regulatory capital.
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| Bank-only measure | June 30, 2026, unless stated |
|---|---|
| Total assets | $43.875 billion |
| Deposits | $32.931 billion |
| Net loans and leases | $24.645 billion |
| Book equity | $8.109 billion |
| Net income, January–June 2026 | $293.318 million |
A regional franchise assembled through local relationships
The January 2 American closing release describes a financial group providing banking across Texas and Oklahoma, including deposits, lending, cards, digital access, mortgages and treasury services. This is a regional relationship model with a broader menu around the core bank account. Businesses can obtain operating accounts and financing while owners and families use adjacent personal and fiduciary services.
The geography is commercially meaningful without implying that every location has the same economy. A network spanning large metropolitan markets, smaller communities and resource-producing areas encounters different loan demand and deposit behavior. Its breadth within two states can diversify individual customer relationships, but does not eliminate exposure to regional property values, business conditions or funding competition.
Two early-2026 mergers changed the comparison base
American Bank Holding Corporation merged into Prosperity Bancshares and American Bank, N.A., based in Corpus Christi, merged into Prosperity Bank effective January 1, 2026. American brought 18 banking offices and two loan-production offices. The January announcement also placed former American leaders in regional and bank-board positions, illustrating a combination of legal consolidation with retention of local management.
Southwest Bancshares, Inc. and its San Antonio-based Texas Partners Bank followed on February 1. Texas Partners had 11 banking offices serving San Antonio, Austin and the Hill Country. These completed transactions were already inside the June balance sheet. Consequently, year-over-year balance growth cannot all be described as organic. The February release scheduled Texas Partners’ operational integration for November 2026; legal combination and systems conversion are distinct events.
Stellar made the June ranking historical immediately afterward
On July 1, 2026, Stellar Bancorp, Inc. merged into Prosperity Bancshares and Stellar Bank merged into Prosperity Bank. The closing release identified 52 Stellar offices, principally across Houston, Beaumont and East Texas, with a Dallas presence. Stellar’s addition expanded an existing Texas franchise rather than creating a new national retail network.
The same release said the Stellar name would remain until operational integration scheduled for March 2027. That was a company timetable, not evidence of a completed conversion. The June regulatory figures exclude this merger because it closed the next day. Combining June balances from both organizations without acquisition accounting would produce only a rough illustration, not a verified post-closing regulatory statement. This profile therefore retains the actual June bank snapshot.
Mortgage warehouse lending reaches beyond the branch map
Prosperity’s current warehouse-lending page advertises facilities of $15 million to $150 million for independent mortgage bankers. Its product list includes conforming agency loans, government-insured or guaranteed programs, jumbo loans, non-qualified mortgages, and specialized repurchase or early-buyout situations. These are advertised capabilities, not evidence that each category contributes materially to outstanding balances.
Warehouse finance supplies temporary funding between mortgage origination and the next transaction in the loan’s life. Its economics depend on funding cost, collateral eligibility and how quickly loans move onward. A delay in sale can change the duration and exposure of what was intended to be short-term finance. This business also connects the bank to national mortgage-market activity, so branch geography alone is an incomplete description of its lending reach.
Credit composition and capital require precise denominators
The June Form 10-Q reports that commercial real estate, one-to-four-family residential property and construction/land loans together represented 79.8% of the parent’s loans excluding warehouse loans. That combines several different property exposures; it is not a commercial-real-estate concentration ratio. First-half net were $43.5 million, including a $39.2 million year-over-year increase in commercial-and-industrial charge-offs.
The filing says the company adopted ASU 2025-08 on January 1, changing acquisition-date accounting for purchased seasoned loans. It separately identifies the bank’s June common-equity Tier 1 ratio as 15.24%, total risk-based capital as 16.46%, and leverage ratio as 10.64%. Acquired-loan accounting, actual charge-offs and regulatory capital answer different questions. Neither the existence of reserves nor a reported capital cushion establishes future credit performance.
Parent earnings improved, with comparability qualifications
Prosperity Bancshares reported second-quarter net income of $168.6 million on July 29, compared with $135.2 million a year earlier. Its tax-equivalent net interest margin was 3.47%, versus 3.18% in the prior-year quarter. Management attributed the improvement to asset repricing, lower borrowing balances and rates, and the American and Southwest acquisitions.
The company also reported $162.7 million of earnings excluding specified non-recurring items, a non-GAAP measure. The reported result included a stock-conversion gain net of securities sales and merger expenses. Parent noninterest-bearing deposits were $10.7 billion, or 32.9% of deposits. The funding mix helps explain spread economics, but acquisition contributions and one-time items complicate comparisons with a smaller prior-year organization.
Treasury services connect the bank to daily business operations
Prosperity’s treasury page describes remote deposit capture, merchant services, check and ACH Positive Pay, and ACH blocks and filters. Remote capture enables businesses to transmit check deposits, while Positive Pay compares incoming items with authorized information and sends exceptions for review. These services place the operating account within a customer’s recurring payment and collection processes.
The analytical significance is the connection between service usefulness and deposit relationships. Processing arrangements can make an account operationally important beyond its interest rate. The bank’s product description does not establish customer adoption, realized fee margins or demonstrated fraud-loss reductions. Exception handling also requires timely customer decisions, so an offered control should not be represented as an unconditional fraud guarantee.
Trust services reflect the region’s ownership and wealth needs
Prosperity Trust describes trust and estate administration, asset management, employee-benefit-plan services, farm management, and oil-and-gas mineral-interest administration. The latter activities can involve production-payment monitoring, lease negotiations and property-related administration. They show how a bank can serve family and business wealth that extends beyond marketable investment accounts.
These functions bring fiduciary and administrative responsibilities alongside potential fee income. They are distinct from insured deposits and ordinary lending, and the reviewed product page does not quantify assets under administration or profitability. Across the franchise, the central evidence questions are how acquired customer relationships persist through conversion, how funding and lending evolve on a comparable basis, and how property and commercial credit perform. Current primary disclosures support those questions without establishing their future answers.
Sources
- FDIC institution directory: October 2, 2026 index, reviewed October 5, 2026Official source
- FDIC bank financials: June 30, 2026; dollar fields reported in thousandsOfficial source
- Prosperity Bancshares: American parent and bank mergers effective January 1, 2026; release January 2Filing / report
- Prosperity Bancshares: Southwest parent and Texas Partners bank mergers effective February 1, 2026; release February 2Filing / report
- Prosperity Bancshares: Stellar parent and bank mergers completed July 1, 2026; operational integration then scheduled for March 2027Filing / report
- Prosperity Bancshares: Form 10-Q for June 30, 2026; consolidated credit data and separately identified bank capital ratiosFiling / report
- Prosperity Bancshares: second-quarter 2026 earnings release, July 29, 2026Filing / report
- Prosperity Bank mortgage warehouse lending: advertised facility range and eligible products; undated page reviewed October 5, 2026Source
- Prosperity Bank treasury management: payment, deposit and fraud-control services; undated page reviewed October 5, 2026Source
- Prosperity Bank trust services: fiduciary, retirement, farm and mineral-management offerings; undated page reviewed October 5, 2026Source
- FDIC June 30, 2026 asset inventory; domestic charter classes selected for this seriesOfficial source