Is Prosperity Bank Safe?
Prosperity Bank has a Bank Health Score of 96/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (80/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 15.35% | 100/100 |
| Nonperforming Loan Ratio | 0.38% | 92/100 |
| Liquidity Ratio | 33.23% | 100/100 |
| Return on Assets | 1.50% | 80/100 |
| Total Assets | $39.8B | |
How does Prosperity Bank compare?
With a Bank Health Score of 96/100, Prosperity Bank sits 26.0 points above the national average of 70/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, Prosperity Bank ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 15.35% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.38% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Prosperity Bank's Bank Health Score held roughly steady at 96/100. Tier 1 capital strengthened by 0.43 percentage points to 15.35%.
Prosperity Bank has a Bank Health Score of 96/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (80/100).