Prosperity Bank Texas is a regional bank based in Texas, United States. The bank was founded in 1983. It provides banking services for individuals, families, and businesses.
Prosperity Bank currently operates in Texas and Oklahoma.
Prosperity Bank continued to grow in 2026.
As of June 30, 2026, Prosperity Bancshares, Inc. was based in Houston, Texas. The company had $43.873 billion in total assets at that time.View the official financial information
Prosperity Bank offers many banking services for personal and business customers.
These include checking and savings accounts, business banking, loans, and mortgages. Customers can also use online and mobile banking. The bank also offers wealth management and treasury services.
Brief information about Prosperity Bank Texas
| Item | Information |
|---|---|
| Bank Name | Prosperity Bank |
| Founded | 1983 |
| Headquarters | Houston, Texas |
| Main Operations | Texas and Oklahoma |
| Bank Type | Regional Bank |
| Parent Company | Prosperity Bancshares, Inc. |
| Routing Number | 113122655 |
| SWIFT Code | PROYUS44 |
| NMLS ID | 466414 |
| FDIC | FDIC-Insured |
Prosperity Bank was founded in 1983 and is based in Texas. The bank serves both personal and business customers.
According to Prosperity Bank’s official website, the bank’s routing number is 113122655.
Size of Prosperity Bank in 2026
As of June 30, 2026, Prosperity Bank operates 363 full-service banking locations.
Most of these locations are in Texas. They are spread across Houston, South Texas, Dallas/Fort Worth, East Texas, Central Texas, West Texas, and Bryan/College Station. The bank also has locations in Oklahoma.
Prosperity Bank’s Growth in 2026
Prosperity Bank expanded its banking network in 2026 through several acquisitions.
The bank completed its merger with American Bank Holding Corporation in January 2026. It then completed the merger with Southwest Bancshares in February 2026.
In July 2026, Prosperity Bank completed its merger with Stellar Bancorp. The merger closed on July 1, 2026, according to Prosperity Bank.
Prosperity Bank Texas Main Services
Prosperity Bank provides banking services for both personal and business customers.
Checking Accounts
Prosperity Bank offers several checking account options for everyday banking.
Customers can use these accounts for regular transactions. The bank also offers a Checking with Interest account.
Savings Account
Prosperity Bank offers savings accounts for customers who want to save money.
Prosperity Bank offers several savings options. These include the Personal Savings Account and Personal Premier Money Market Account.
With a money market account, the amount you earn may depend on your account balance. Before opening an account, check the current interest rate and minimum balance. Also, review the account rules and fees.
Business Banking
Prosperity Bank Texas also has a separate banking service for business customers.
The bank’s business banking services include:
- Small Business Checking
- Small Business Checking with Interest
- Business Analysis Checking
- Business credit cards
- Business loans
- Treasury management
- Business savings options
Small Business Checking is primarily designed for startups, small businesses and sole proprietors. There is a Business Analysis Checking option for larger commercial businesses.
Loans
Prosperity Bank offers loans for both personal and business customers. Personal banking includes auto loans and other lending options. Business customers can also apply for business loans.
Loan interest rates, qualifications, and other terms may vary by customer and loan type. Therefore, it is important to know the current terms before applying.
Mortgage
Prosperity Bank offers mortgage services for home financing. The bank’s personal banking section includes home buying and mortgage services.
Mortgage terms can vary. The loan amount, interest rate, down payment, and qualification requirements may be different for each borrower.
Online and Mobile Banking
Prosperity Bank customers can use digital banking in addition to branches.
Customers can access their accounts through online and mobile banking. Prosperity Bank also offers telephone banking. Customers can send secure messages through online banking when they need help.
Credit and Debit Card
Prosperity Bank offers credit and debit card services to personal and business customers. The bank also offers Mastercard debit card service at various locations.
Wealth Management and Other Services
- Prosperity Bank’s services include:
- Retail brokerage
- Trust services
- Wealth management
- Treasury management
- Credit card
- Debit card
- Mortgage services
These services can be used to meet personal and business financial needs.
Where is Prosperity Bank Texas located?
Prosperity Bank’s largest service area is Texas. As of June 30, 2026, the bank has locations in various large and small markets in Texas.
Key areas include:
- Houston and The Woodlands
- South Texas
- Corpus Christi
- Victoria
- Dallas/Fort Worth
- East Texas
- Austin
- San Antonio
- West Texas
- Lubbock
- Midland-Odessa
- Abilene
- Amarillo
- Wichita Falls
- Bryan/College Station
Prosperity Bank also has banking locations in Oklahoma.
Branches and ATMs
Customers can find branches and ATMs through Prosperity Bank’s official location directory. Some of the bank’s ATMs also offer 24-hour deposit facilities.
Each branch may have different services and opening hours. Lobby hours and drive-through hours can also vary.
Before visiting a branch, check the latest information on Prosperity Bank’s official location page.
Prosperity Bank Texas Account and Banking Services
Prosperity Bank offers three main types of banking services:
- Personal banking
- Business banking
- Digital banking
Personal customers can open checking and savings accounts. They can also get credit cards, auto loans, and mortgages.
Business customers can open business checking accounts. Prosperity Bank also offers business loans, business credit cards, and treasury services.
Through digital banking, customers can manage their accounts using online and mobile platforms.
Wire Transfers
Prosperity Bank also offers wire transfer services.
The fees are different for incoming and outgoing transfers. The fee can also vary for domestic and international transfers.
Currently published fees include:
Incoming wire transfer: $7.50
Outgoing domestic wire transfer: $20
Outgoing tax payment wire: $25
Some international wire transfers start at $20. Extra fees may apply in some cases.
Wire transfer fees and cut-off times can change. Check Prosperity Bank’s latest information before sending a transfer.
Prosperity Bank Texas Fees and Charges
Bank fees can vary by account and service.
Prosperity Bank provides a Schedule of Fees for personal and business customers. You can check this schedule to see the current fees for different services.
Before opening an account, check the following:
Monthly service fee
Minimum balance requirement
Overdraft-related charges
Wire transfer fee
Other account service charges
Not all accounts have the same fees. Therefore, it is not correct to assume that the fees for one account apply to another account.
Prosperity Bank Advantages and Limitations
Advantages
One of Prosperity Bank’s main advantages is its large branch network in Texas. The bank also offers both personal and business banking services.
Another benefit is that Prosperity Bank offers both personal and business banking services.
Customers can also use online banking, mobile banking, and telephone banking.
Prosperity Bank is FDIC-insured. Under FDIC rules, eligible deposits are generally insured up to $250,000 per depositor, per insured bank, and per ownership category.
Limitations
Prosperity Bank mainly serves customers in Texas and Oklahoma. People in other states may have fewer options if they prefer to use a local branch.
Fees and requirements can also vary by account, loan, or service. Before opening an account, check the current terms and fee schedule.
Who May Consider Prosperity Bank Texas?
For general customers in Texas:
Prosperity Bank can be a banking option for those who want branch services in addition to checking, savings and everyday banking.
For Small Business Owners:
Prosperity Bank offers separate checking and business banking services for small businesses. These services may be useful for small business owners in Texas.
For Large Businesses:
Large businesses can use services such as Business Analysis Checking and treasury management.
For Digital Banking Users
Prosperity Bank offers online and mobile banking. Customers can use these services along with branch banking.
Frequently Asked Questions
What is Prosperity Bank Texas?
Prosperity Bank is a regional bank based in Houston, Texas. It was founded in 1983 and provides banking services in Texas and Oklahoma.
Where is Prosperity Bank headquartered?
Prosperity Bank’s parent company, Prosperity Bancshares, Inc., is headquartered in Houston, Texas.
What is the routing number for Prosperity Bank?
Prosperity Bank’s routing number is 113122655.
Is Prosperity Bank FDIC-insured?
Yes. Prosperity Bank is FDIC insured.
FDIC rules generally protect eligible deposits up to $250,000 per depositor, per insured bank, and per ownership category.
Does Prosperity Bank offer business accounts?
Yes. Prosperity Bank offers several business accounts.
These include Small Business Checking, Small Business Checking with Interest, and Business Analysis Checking.
How many locations does Prosperity Bank have in Texas?
As of June 30, 2026, Prosperity had 363 full-service banking locations.
Most of these locations are in Texas. The bank also has locations in Oklahoma.
Conclusion
Prosperity Bank Texas is a regional bank based in Texas. It was founded in 1983.
Prosperity Bank offers banking services for both personal and business customers.
These services include checking and savings accounts, loans, mortgages, and credit cards. Customers can also use online and mobile banking. The bank also offers wealth management and treasury services.
Prosperity Bank also expanded its network in 2026. The bank added American Bank, Texas Partners Bank, and Stellar Bank to its network.
As of June 30, 2026, Prosperity had 363 full-service banking locations. Customers can use branch banking as well as online and mobile banking.
Information updated: September 2026.
Bank fees, account terms, branch hours, and services can change. Check Prosperity Bank’s latest official information before opening an account or using a banking service.