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Citizens Progressive Bank

Winnsboro, LA · Cert 10531 · Caldwell Holding Co.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

39

Q2 2024Q2 2026peer median (50)

Asset Quality

12

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

51

Q2 2024Q2 2026peer median

Efficiency

12

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Citizens Progressive Bank

Winnsboro, LA · Cert 10531 · Caldwell Holding Co.

State charter, non-member · FDIC · 2 affiliate banks · 5 branches (17 in holding)

Q2 2026

$243.3MAssets
$186.6MLoans
$209.8MDeposits
$31.2MEquity
Loan mix
86%RE $149.6M11%C&I $18.9M3%Consumer $4.6MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $180.6M14%Noninterest $29.2MQ2 2025Q2 2026

NIM

6.64%Q2 ’246.82%Q2 ’256.52%Q2 ’26+13%+3%

Non-interest income vs. expense

3.86%Q2 ’243.98%Q2 ’254.28%Q2 ’26+8%+1%

Market Position · Monroe, LA · 2026 SOD (annual) · 1.0% share · #17 of 20 inst. · $0.1B of $6.2B

17.8% Caldwell
5.5% Richland
7.0% Franklin
0.3% Ouachita

Executive Summary

  • Earnings: ROA of 0.38%, down 16 bps year over year; NIM at 4.12%.
  • Asset quality: problem loans at 4.51% of loans (+123 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 11.31%, up 171 bps from a year ago.
  • Funding: loans stand at 88.97% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.38%-16 bps YoY

Net Interest Margin (YTD, annualized)

4.12%+14 bps YoY

Efficiency Ratio (YTD, annualized)

84.52%-58 bps YoY

Tier 1 Leverage Ratio

11.31%+171 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.57%0.37%0.44%0.38%-16 bps
Return on Equity5.01%5.17%3.36%3.59%3.07%-195 bps
Net Interest Margin3.98%4.11%4.05%3.79%4.12%+14 bps
Efficiency Ratio85.10%83.61%84.16%81.92%84.52%-58 bps
Non-Interest Burden3.22%3.24%3.21%2.87%3.26%+4 bps
Growth
Asset Growth (YoY)-8.30%-9.52%-10.25%-11.44%-11.83%-354 bps
Loan Growth (YoY)-6.16%-11.82%-14.97%-16.52%-15.19%-903 bps
Deposit Growth (YoY)-9.12%-10.60%-11.64%-13.12%-13.76%-464 bps
Asset Quality
Nonperforming Loans / Loans3.28%1.58%3.99%3.75%4.51%+123 bps
Net Charge-Offs / Loans0.04%0.13%0.38%0.02%0.11%+8 bps
Allowance / Loans0.75%0.80%0.90%1.00%1.05%+29 bps
Allowance Coverage of NPLs0.2x0.5x0.2x0.3x0.2x0.0x
Capital
Tier 1 Leverage Ratio9.60%10.06%10.12%10.84%11.31%+171 bps
Total Risk-Based Capital9.60%10.06%10.12%10.84%11.31%+171 bps
Equity / Assets11.01%11.50%11.99%12.31%12.84%+183 bps
Liquidity & Funding
Loans / Deposits90.47%85.95%85.29%87.15%88.97%-150 bps
Liquid Assets / Assets6.41%11.12%12.95%10.15%11.53%+513 bps
CRE / Total Capitaln/a238%228%219%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Citizens Progressive Bank

Winnsboro, LA · Cert 10531 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Caldwell Holding Co.

State charter, non-member · FDIC · 2 affiliate banks · 5 branches (17 in holding)

Q2 2026

$243.3MAssets
$186.6MLoans
$209.8MDeposits
$31.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 73% of banks under $1B in assets operating in a single state (rank 202 of 746).
  • Widest gap: nonperforming loans / loans trails 98% of banks under $1B in assets operating in a single state (rank 727 of 743).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.39%

Rank 650 of 746

Net Interest Margin

4.12%

Rank 202 of 746

Efficiency Ratio

84.52%

Rank 657 of 746

Equity / Assets

12.84%

Rank 201 of 746

Non-interest income vs. expense

$2.5M$10.4MINCOMEEXPENSE
Unfavorable gap of $7.9M · efficiency ratio beats 12% of banks under $1B in assets operating in a single state
Bank 84.52%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.39%0.72%1.06%1.45%Beats 13%650 / 746
Return on Equity3.03%6.74%10.51%13.63%Beats 12%660 / 746
Net Interest Margin4.12%3.17%3.68%4.16%Beats 73%202 / 746
Efficiency Ratio84.52%55.74%64.58%75.47%Beats 12%657 / 746
Asset Quality
Nonperforming Loans / Loans4.51%0.09%0.42%1.07%Beats 2%727 / 743
Net Charge-Offs / Loans0.06%0.00%0.01%0.05%Beats 22%579 / 743
Capital
Tier 1 Capital Ratio11.31%11.55%13.75%17.60%Beats 22%579 / 746
Total Risk-Based Capital Ratio11.31%11.71%14.33%18.43%Beats 21%588 / 746
Equity / Assets12.84%8.90%10.51%13.06%Beats 73%201 / 746
Liquidity & Funding
Loans / Deposits88.97%61.31%78.27%90.78%71st pctl214 / 746
Loans / Assets76.72%53.60%66.97%76.08%77th pctl170 / 746
Brokered Deposits / Depositsn/aNot reported for this institution