PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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