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FIXnotes

PROSPERITY BANK

BANK

EL CAMPO, TX · NM

Total Assets
$43.9B
—
Total Loans
$25.0B
—
1.5%
+0.1
PROSPERITY BANK in TX reported a Texas Ratio of 1.5% in Q2 2026, up +0.1pp from the prior quarter. Nonperforming assets stood at 0.48%, an increase of +0.05pp.

Portfolio composition

CategoryBalance% of totalNPL %Charge-off %
Real estate (all)————
Commercial real estate————
Construction & land————
FOUNDATION Multifamily — Unlock to view
FOUNDATION Non-residential CRE — Unlock to view
FOUNDATION Residential real estate — Unlock to view
FOUNDATION Commercial & industrial — Unlock to view
FOUNDATION Consumer — Unlock to view
FOUNDATION Other loans — Unlock to view
FOUNDATION 1-4 family — 1st lien — Unlock to view
FOUNDATION 1-4 family — junior lien — Unlock to view
FOUNDATION 1-4 family — HELOC — Unlock to view
FOUNDATION Multifamily — Unlock to view
FOUNDATION CRE — owner-occupied — Unlock to view
FOUNDATION CRE — non-owner-occupied — Unlock to view
FOUNDATION Construction — 1-4 family — Unlock to view
FOUNDATION Construction — other — Unlock to view
FOUNDATION Commercial & industrial — Unlock to view
FOUNDATION Consumer — Unlock to view
FOUNDATION

20-quarter trend panels

See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.

FOUNDATION

Peer cohort comparison

Benchmark against banks in the same size and geography cohort.

FOUNDATION

Full portfolio composition

Every loan category, NPL ratio, and charge-off rate — beyond the top 3.

Texas mortgage-note market & lender distress →

Recent acquisitions

Institutions PROSPERITY BANK absorbed since 2024 and the inherited portfolio's last-reported call-report figures. Why inherited portfolios matter

  • Stellar BankHouston, TX · Jul 1, 2026 · Merger
    Inherited NPL volume
    $52M
    Inherited NPL %
    0.69%
    Total loans inherited
    $7.5B
    Total assets inherited
    $10.4B
    YTD charge-offs (at close)
    $6M
    Last filing
    Jun 30, 2026
  • Texas Partners BankSan Antonio, TX · Feb 2, 2026 · Merger
    Inherited NPL volume
    $840K
    Inherited NPL %
    0.04%
    Total loans inherited
    $1.9B
    Total assets inherited
    $2.4B
    YTD charge-offs (at close)
    $1M
    Last filing
    Dec 31, 2025
  • American Bank, National AssociationCorpus Christi, TX · Jan 1, 2026 · Merger
    Inherited NPL volume
    $5M
    Inherited NPL %
    0.24%
    Total loans inherited
    $1.9B
    Total assets inherited
    $2.5B
    YTD charge-offs (at close)
    $3M
    Last filing
    Dec 31, 2025