🏦Bank Scorer

This institution is no longer active

Operations ceased on September 9, 2016. CRA examination history below reflects the period it was active.

PROSPER BANK

PROSPER, TX · Supervised by FDIC

Est. 1903FDIC #14,485RSSD: FDIC-14485
Part ofHENDERSON TEXAS BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: December 2015

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.95%

Institution Profile

FDIC BankFind

Address

805 East 1st Street, PROSPER, TX

County

Collin County

Established

July 1, 1903

Total Assets

$80M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2015

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 10 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2016Call Report / FDIC

Total Assets

$80M

Total Deposits

$67M

Net Loans

$51M

Net Income

$788K

ROA

1.95%

ROE

18.23%

Risk-Based Capital

17.47%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate0.00%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20226195.08%0.00%
20208379.52%8.43%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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