Prosperity Bank (TX)

Overview / Commentary
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.

No Problem With The Bank

Initially, I was a customer of Viewpoint Bank which then was bought by Legacy Texas Bank and, since June 2020, has become Prosperity Bank. I have never had any problem with the bank, the personnel inside nor the online help. Certainly the pandemic has caused wait times for online business but that is true for every institution. I live in Plano, Texas, and perhaps the folks here are just especially nice.

A Great Bank

I have read the reviews and I can't believe they are real. I have banked with Prosperity Bank for a long time, before they were anything more than a small, hometown bank. I have always been treated with respect and a smile. They treat me and everyone I know like family. We bank with several other bank and they are terrible by comparison.

Total Clown Show

Prosperity bank makes conducting business a nightmare. I am in the process of closing all of my business and personal accounts and guess what? That is been a total ****show as well. Good riddence!

Best Local Bank In Houston, Texas

Posted by: |

In September of 2013, I tried to buy a home for the second time in my life. The first I got cold feet and terminated the contract. Then in 2013, I approached my Realtor again and started the process of buying a home again. She recommended me to a mortgage broker and she was horrible. I called someone from a local Chase Bank and he was not willing to do my loan. Prosperity Bank was my last option (as in the last bank I would try). The loan officer at Prosperity was very courteous and was willing to do all she can to help me. My realtor called and told her the situation and she offered to help me. When I called her and gave her my loan package, I asked her if I was going to get approved. She looked over my file and gave me an answer I didn't expected, she said "We can close in a week". I was relieved! The loan officer was able to apply the left over closing cost paid by the seller toward my down payment. The loan officer was a first class lender and I recently referred my sister to her for a mortgage. I would have moved my entire banking relationship to Prosperity Bank, but I work for a bank so I have to keep banking relationship at my bank.



Health Grade Components

FDIC Certificate #16835
Year Established1949
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.15%
Return on Equity - YTD6.5%
Annual Interest Income$1.08B
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$39.3B$37.84B
LoansQ3 2023vs Q3 2022$21.08B$18.22B
DepositsQ3 2023vs Q3 2022$27.43B$29.4B
Equity CapitalQ3 2023vs Q3 2022$7.01B$6.6B
Loan Loss AllowanceQ3 2023vs Q3 2022$351.5MM$282.2MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$59.4MM$17.9MM
Real Estate OwnedQ3 2023vs Q3 2022$9.3MM$1.8MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Prosperity Bank (TX) CD Rates

5.05%*$100k*-7 Month CD
OTHER TIERS: 4.03% $1k+ | 4.19% $25k - $50k | 4.29% $50k - $75k | 4.44% $75k - $100k
4.58%*$100k*-22 Month Step Up CD
OTHER TIERS: 4.06% $1k+ | 4.22% $25k - $50k | 4.32% $50k - $75k | 4.47% $75k - $100k


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