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
Unfavorable gap of $7.9M · efficiency ratio beats 12% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.39% | 0.72% | 1.06% | 1.45% | Beats 13% | 650 / 746 | | |
| Return on Equity | 3.03% | 6.74% | 10.51% | 13.63% | Beats 12% | 660 / 746 | | |
| Net Interest Margin | 4.12% | 3.17% | 3.68% | 4.16% | Beats 73% | 202 / 746 | | |
| Efficiency Ratio | 84.52% | 55.74% | 64.58% | 75.47% | Beats 12% | 657 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.51% | 0.09% | 0.42% | 1.07% | Beats 2% | 727 / 743 | | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.01% | 0.05% | Beats 22% | 579 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 11.31% | 11.55% | 13.75% | 17.60% | Beats 22% | 579 / 746 | | |
| Total Risk-Based Capital Ratio | 11.31% | 11.71% | 14.33% | 18.43% | Beats 21% | 588 / 746 | | |
| Equity / Assets | 12.84% | 8.90% | 10.51% | 13.06% | Beats 73% | 201 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.97% | 61.31% | 78.27% | 90.78% | 71st pctl | 214 / 746 | | |
| Loans / Assets | 76.72% | 53.60% | 66.97% | 76.08% | 77th pctl | 170 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |