TX lenders / Regional Bank
Prosperity Bank
Regional Bank · El Campo, TX · Prosperity Bancshares Inc
- Total assets
- $43.6B
- CRE loan book
- $10.4B
- QoQ CRE growth
- 21.9%
- Q1 2026
Recorded CRE activity — smith County
17 commercial deeds of trust recorded recently, verified from county records.
- Jul 2, 2026 · unknownundisclosed
- Jun 30, 2026 · unknownundisclosed
- Jun 30, 2026 · unknownundisclosed
- Jun 30, 2026 · unknownundisclosed
- Jun 30, 2026 · unknownundisclosed
- Jun 29, 2026 · unknownundisclosed
- Jun 29, 2026 · unknownundisclosed
- Jun 26, 2026 · unknownundisclosed
- Jun 26, 2026 · landundisclosed
- Jun 26, 2026 · unknown$200K
Observed rates
Real loans — SBA 7(a)
7 SBA 7(a) real-estate loans in Texas over the last 12 months · median rate 8.50% (5 variable / 2 fixed) · $7.5M total approved.
Borrower cities: San Antonio (3), Port Aransas, Tyler, Taylor, Manchaca.
Source: SBA 7(a) FOIA dataset · most recent approval Jan 23, 2026. Loan-level government-guaranteed pricing; conventional CRE terms may differ.
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.98% as of Q1 2026 — TX bank median 6.76% (0.77pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.98% | 6.14% |
| Q4 2025 | 5.73% | 5.87% |
| Q3 2025 | 5.74% | 5.96% |
| Q2 2025 | 5.64% | 5.89% |
| Q1 2025 | 5.58% | 5.78% |
| Q4 2024 | 5.65% | 5.98% |
| Q3 2024 | 5.69% | 6.04% |
| Q2 2024 | 5.78% | 6.17% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $10.4B | $3.3B | $630.3M | 182% | $13.4M |
| Q4 2025 | $8.5B | $2.7B | $705.4M | 162% | $5.5M |
| Q3 2025 | $8.7B | $2.9B | $573.5M | 163% | $5.5M |
| Q2 2025 | $8.7B | $2.9B | $588.5M | 166% | $12.3M |
| Q1 2025 | $8.6B | $2.8B | $551.0M | 168% | $11.6M |
| Q4 2024 | $8.7B | $2.9B | $555.1M | 161% | $20.5M |
| Q3 2024 | $8.7B | $2.8B | $559.2M | 165% | $33.5M |
| Q2 2024 | $8.8B | $2.8B | $588.1M | 170% | $33.6M |
Prosperity Bank: frequently asked questions
- How large is Prosperity Bank's commercial real estate loan book?
- As of Q1 2026, Prosperity Bank reported $10.4B in commercial real estate loans out of $43.6B in total assets, per its FFIEC Call Report.
- Is Prosperity Bank above the 300% CRE concentration guideline?
- Prosperity Bank's CRE loans stood at 182% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is Prosperity Bank growing or shrinking its CRE lending?
- Prosperity Bank's CRE loan book grew 21.9% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Prosperity Bank in recorded CRE lending?
- 17 commercial deeds of trust naming Prosperity Bank as lender have been recorded recently in smith County, verified from county records; the most recent was recorded Jul 2, 2026.
Answers generated from the verified data on this page — FFIEC Call Reports, county records, and first-party conversations — as of the dates shown.
Similar lenders
Other regional banks we track with a comparable CRE book size.
Markets where Prosperity Bank lends
Prosperity Bank has commercial deeds of trust recorded in these metros. See who else is active there and current rate ranges by property type.
Houston
Houston (Harris County)
Dallas–Fort Worth
Dallas–Fort Worth (Dallas, Tarrant, Collin & Denton Counties)
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.