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1301 North Mechanic Street
El Campo, TX 77437

Prosperity Bank is a Texas-based subsidiary of Prosperity Bancshares, which is a multi billion-dollar financial holding company located in the state of Texas. The bank offers personal and business banking products and services, as well as investment and trust services.

Prosperity Bank offers several checking accounts, including one designed for teenagers. One checking account option is interest bearing and has minimum initial deposit and daily balance requirements. A savings account and a money market account are available and offer increasing rates of interest that are contingent upon account balances. The money market account actually allows for more debit transactions per month than the savings accounts. Certificates of Deposit (CDs) are offered with a range of term lengths from 30 days to 5 years. IRA accounts provide customers with tax benefits on retirement savings. Depository products are also available on the business banking side and offer similar products and services. Investment solutions range from college 529 plans to mutual funds and annuities.

Prosperity Bank online banking is a separate domain ( that offers a quick and secure way to manage accounts, pay bills, transfer funds, make loan payments, and view check images and past statements. The web-based platform can also integrate personal finance applications or word processing systems to help a depositor with the budgeting process.

Prosperity Bank was originally established in 1949 as the First National Bank of Edna. The bank changed its name to Prosperity in 2001 and is currently headquartered in El Campo, Texas. It serves its customers through numerous branches across several states.

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Reviews (6)

I Would Never Suggest Anyone Opening An Account With This Bank.


I would never suggest anyone opening an account with this bank.  My father-in-law was a patient at a nursing home, and the bank allowed other individuals to access his bank account with out his permission.   Prosperity Bank would not let my father-in-law have access to his own account.  Thank god for Harris County Guardianship for stepping in. Even when a Harris County Judge ordered the bank to freeze the account, money was still allowed to be taken out by other individuals (Harris county Court 9, Case 402988).  My father-in-law's judge appointed guardian was treated very badly by Prosperity Bank's employees, my wife and I were also treated very rudely..  If you have an account with this bank, consider moving to a more professional bank.  Please copy and paste this to other sites....


Prosperity Bank

I was originally TX State Bank, and I liked it.  It had good rates and people knew who you were.  I once had a 1/4 million in this bank, but after Prosperity bought them it was all down hill.  They allowed a former  girlfriend, a felon, unbeknown to me at the time, to deposit  a fake 1/4 million deposit in my account without my permission.  It was her aim to get my 1/4 mil.  I had to hire al lawyer to get me out of that.

After their most recent bank acquisition, I kept getting service charges for having less then the minimum $250 in savings even though I rarely used the account because I only used it for the very few paper checks I rarely write, and no longer keep my money in that bank because their interest rates are so poor.  I just keep enough to keep the account active so I can use the paper checks when needed.

But they keep withdrawing funds from my account to pay for an account from someone with a similar or same account number from their most recent bank acquisition, making my account in the red and racking up fees.  When this first happened, I asked for a different account number, which they declined to do, promising it was a one time mistake.  It happened again, next week I will go in and close my account.

I propose that they pay me the $35 bad check fee and $3 service fee every time they made this mistake.  Why not, they charge their customers for incompetence, why should the bank not pay for their own?

Poor Customer Service

This bank has poor customer service. In my experience, most of the locations have rude and unfriendly staff. I have only been to one location where the customer service was outstanding (the Magnolia, TX location).

This bank does not respond to online messages. I have sent messages with questions (most just for general information on my account) and never got a response from the bank. I do most of my business with the bank electronically because it is so much more conveinent, but this bank makes it very difficult to do that. I am frustrated because I have been with this bank for over 15 years and the service has really gone downhill.

I have started to slowly change over to Bank of Texas. The customer service is always outstanding and messages are replyed to very quickly.

I would suggest that Prosperity Bank of Texas get up to speed to stay competitive with the other banks and train the staff in proper customer service techniques.

Billpay Is A Rip-Off

Beware of BillPay.  Not only does the bank charge you $4.95 for the service at the end of the month, but if you schedule the payment on a day that falls on a weekend, the bank will withdraw the money EARLY.  This is apparently written into the fine print, which justifies any overdraft charges that my occur.  The bank will not refund this money to you.  I am incredibly frustrated, taken for over $100, and have already switched to IBC.  IBC does not charge you for their bill pay service, and unlike prosperity, you can see the complete account number on your payees.  I will be filing a complaint.

System Is Flawed!

I'm sad Prosperity just bought Coppermark. It took 2 days and 3 phone calls to get my ATM card to work. You ask why not just get a debit? Prosperity didn't mail my new debit until after my Coppermark debit expired. Three days after I cancled the non arriving Prosperity debit and ordered a new one....guess what shows up in the mail. I called the next day and was told I could activate it anyway and guess what? Same issue as with the ATM card. The only reason I haven't yanked my money out and found a new bank is the added hassle of setting up auto deposit all over again. The people at the Dallas Oaklawn branch have been nice, but the overall system is flawed.

Run Far Away!

Just trust me. This bank is horrible. They cashed a stolen check of ours. This check was laughable & a stolen ID was used. Ok so they made a mistake. Refund our money-yes. Apologize or take ownership in any way-nope. When we went in to close our account I was only asked why when the form called for it. Upon telling the employee why she simply said "Oh". Never once said anything to the effect of "we hate to lose you as a customer" or "I'm sorry you are leaving." Very, very unprofessional on so many levels.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Prosperity Bank (TX) had $18.6 million in non-current loans and owned real-estate with $3.01 billion in equity and loan loss allowances on hand to cover it. This gives Prosperity Bank (TX) a Texas Ratio of 0.62% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Prosperity Bank (TX) decreased slightly from 0.80% as of March 31, 2013 to 0.62% as of March 31, 2014, resulting in a positive change of 22.31%.This indicates that the balance sheet and financial strength for Prosperity Bank (TX) has improved slightly in recent periods.

Deposit Growth


In the past year, Prosperity Bank (TX) has increased its total deposits by $3.75 billion, resulting in 32.02% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Prosperity Bank (TX) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Prosperity Bank (TX) has $18.91 billion in assets with $3.01 billion in equity, resulting in a capitalization level of 15.89%, which is excellent.

Institution Statistics

FDIC Certificate #16835
Year Established1949
Primary RegulatorFDIC
Assets and Liabilities
Assets$18.91 billion
Loans$7.69 billion
Deposits$15.47 billion
Equity Capital$2.94 billion
Loan Loss Allowance$67.10 million
Unbacked Noncurrent Loans$11.23 million
Real Estate Owned$7.37 million
Historic Data - March 2013
Assets$15.07 billion
Equity Capital$2.21 billion
Loan Loss Allowance$55.05 million
Unbacked Noncurrent Loans$11.23 million
Real Estate Owned$9.91 million
Profit Margin - Quarterly
Return on Assets1.46%
Return on Equity9.42%
Interest Income$154.34 million

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Prosperity Bank (TX) has 241 locations. Click to view all Prosperity Bank (TX) locations.