Side-by-side · Q2 2026 data
First State Bank vs Prosperity Bank
Metric by metric
| Measure | First State Bank | Prosperity Bank |
|---|---|---|
| TellerScore | 61 | 71 (stronger) |
| Capital cushion | 46 | 56 (stronger) |
| Loan quality | 69 | 84 (stronger) |
| Earnings | 52 | 75 (stronger) |
| Funding & liquidity | 71 (stronger) | 54 |
| Problem-loan coverage | 86 | 97 (stronger) |
| Peer percentile | 24th | 76th |
| Total assets | $1.9B | $43.9B |
| Deposits / shares | $1.7B | $32.9B |
| Capital ratio | 9.61% | 10.64% (stronger) |
| Problem loans | 0.94% | 0.48% (stronger) |
| Net charge-offs | 0.40% | 0.35% (stronger) |
| Return on assets | 0.80% | 1.37% (stronger) |
| Loans ÷ deposits | 56.8% (stronger) | 74.8% |
| Uninsured deposits | 41.4% (stronger) | 42.7% |
| Offices | 14 | 373 |
| CFPB complaints (3 yrs) | — | 117 |
| Complaints per $1B deposits | — | 3.6 |
| Mortgage denial rate (HMDA) | 9.1% | 31.5% |
Prosperity Bank has the higher TellerScore (71 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and Prosperity Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Gainesville, TX
- Muenster, TX
- Roanoke, TX