BlastPoint's Banking Scorecard

Citizens Progressive Bank

$100M-$1B Specialty: Agricultural LA FDIC cert 10531

Designations: ✓ CDFI-certified

Winnsboro, LA

6 branches across LA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 73 in LA.
Deposits -13.8% year over year ($209.8M on the books).
Delinquency rate 4.56%.
Return on assets 0.48%.
Efficiency ratio 84.52% vs a 64.48% peer average.
Loan-to-deposit ratio 88.03% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 73 in LA

View $100M-$1B leaderboard (LA) →

Citizens Progressive Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Non-Interest Income / Assets 0.05% below tier average
+ Net Interest Margin 0.41% above tier average

Key Concerns

Areas that may need attention

- Capital Constraint: Bottom 1.9% in tier
- Efficiency Drag: Bottom 17.5% in tier
- Delinquency Rate 3.64% above tier average
- Nonperforming Asset Ratio 2.84% above tier average
- ROA 0.84% below tier average

Get updates when Citizens Progressive Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$243.3M -11.8% YoY -2.7% QoQ	-$143.3M	$386.6M +1.2% YoY	$799.3M +7.8% YoY	$6.3B +7.7% YoY	35%
Total Loans ?	$184.7M -15.4% YoY -1.4% QoQ	-$73.7M	$258.3M +1.7% YoY	$538.5M +5.3% YoY	$3.2B +9.4% YoY	45%
Total Deposits ?	$209.8M -13.8% YoY -3.4% QoQ	-$117.0M	$326.7M +0.7% YoY	$677.9M +7.3% YoY	$4.9B +7.3% YoY	36%
Return on Assets ?	0.48% -29.6% YoY -12.8% QoQ	-0.84%	1.32% +10.8% YoY	1.37% +23.6% YoY	1.30% +12.1% YoY	Bottom 11.8% in tier
Net Interest Margin ?	4.40% +0.9% YoY +6.2% QoQ	+0.41%	3.99% +5.0% YoY	4.15% +0.0% YoY	3.95% +4.9% YoY	75%
Efficiency Ratio ?	84.52% -0.7% YoY +3.2% QoQ	+20.04%	64.48% -3.2% YoY	69.40% -0.9% YoY	70.05% +2.5% YoY	Bottom 9.5% in tier
Delinquency Rate ?	4.56% +37.8% YoY +20.3% QoQ	+3.64%	0.92% +15.7% YoY	1.53% +7.9% YoY	0.98% +16.3% YoY	Bottom 3.0% in tier
Loan-to-Deposit Ratio ?	88.03% -1.9% YoY +2.0% QoQ	+10.08%	77.95% +1.0% YoY	77.15% -1.0% YoY	79.03% +2.3% YoY	31%
Non-Interest-Bearing Deposit Share ?	13.93% +21.4% YoY +11.3% QoQ	-8.10%	22.03% -0.6% YoY	24.65% +0.5% YoY	21.98% -0.6% YoY	21%
Nonperforming Asset Ratio ?	3.51% +26.9% YoY +22.5% QoQ	+2.84%	0.67% +16.4% YoY	1.11% +4.1% YoY	0.69% +15.8% YoY	Bottom 2.3% in tier
Tier 1 Capital Ratio ?	11.31% +17.8% YoY +4.3% QoQ	-4.60%	15.91% +1.4% YoY	17.35% +5.4% YoY	17.09% +0.8% YoY	27%
Non-Interest Income / Assets ?	0.51% +33.7% YoY +103.0% QoQ	-0.05%	0.57% +7.6% YoY	0.33% +19.6% YoY	0.66% +5.2% YoY	Top 9.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Noninterest-Bearing	13.9% +2.5pp YoY +1.4pp QoQ	-8.2pp	22.1%	24.6%	22.2%	20%
Brokered Deposits	5.0% -11.2pp YoY -4.2pp QoQ	-2.8pp	7.9%	6.7%	8.5%	52%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
C&I	9.3% -2.4pp YoY -0.8pp QoQ	-2.3pp	11.6%	12.6%	12.5%	48%
CRE	28.0% -2.0pp YoY -3.2pp QoQ	-11.5pp	39.5%	44.9%	41.4%	31%
1-4 Family	28.2% +5.6pp YoY +0.2pp QoQ	-4.4pp	32.6%	34.2%	31.3%	47%
Consumer	2.8% +0.2pp YoY +0.4pp QoQ	-1.3pp	4.1%	4.2%	5.0%	57%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.5%	19.7%	n/a
Leverage Ratio	11.3% +1.7pp YoY +0.5pp QoQ	-0.9pp	12.2%	13.4%	12.6%	55%
Total Capital Ratio	n/a	n/a	19.9%	23.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Full-Time Employees	67 +1 (+1.5%) YoY +1 (+1.5%) QoQ	+8	58	114	482	68%
Assets per Employee ($)	$3.6M -13.1% YoY -4.2% QoQ	-$3.9M	$7.5M	$6.8M	$8.8M	3%
Branch Count	6 0 YoY 0 QoQ	+1	4	9	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -3.1pp YoY -1.8pp QoQ	-0.3pp	0.3%	0.4%	0.4%	29%
Nonaccrual	4.5% +4.3pp YoY +2.6pp QoQ	+3.6pp	0.9%	1.4%	1.0%	97%
Allowance Coverage	0.23x +1.0% YoY -12.7% QoQ	-23.92x	24.15x	27.36x	20.23x	2%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY +0.1pp QoQ	0.0pp	0.1%	0.1%	0.2%	78%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
ROE	3.9% -2.5pp YoY -0.6pp QoQ	-8.3pp	12.2%	12.5%	11.6%	10%
Cost of Funds (YTD)	2.7% -0.5pp YoY -0.1pp QoQ	+1.0pp	1.7%	1.7%	1.7%	94%
Net Income ($, YTD)	$603,000 -37.4% YoY — QoQ	-$2.0M	$2.6M	$5.1M	$40.4M	13%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Constraint

risk

#3 of 107 • Bottom 1.9% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 88.03%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 11.31%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

107 of 107 Community banks match · 143 nationally

→ Stable -5 banks QoQ

Efficiency Drag

risk

#64 of 361 • Bottom 17.5% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 84.52%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

243

Non-Interest Income / Assets

revenue_mix

Value: 0.51%

Peer Median: 0.57%

#243 of 2643 Top 9.2% in $100M-$1B

Top Weaknesses (5 metrics)

2583

Nonperforming Asset Ratio

credit_quality

Value: 3.51%

Peer Median: 0.67%

#2583 of 2643 Bottom 2.3% in $100M-$1B

2556

Delinquency Rate

credit_quality

Value: 4.56%

Peer Median: 0.92%

#2556 of 2633 Bottom 3.0% in $100M-$1B

2393

Efficiency Ratio

profitability

Value: 84.52%

Peer Median: 64.48%

#2393 of 2643 Bottom 9.5% in $100M-$1B

2332

Return on Assets

profitability

Value: 0.48%

Peer Median: 1.32%

#2332 of 2643 Bottom 11.8% in $100M-$1B

2100

Non-Interest-Bearing Deposit Share

funding

Value: 13.93%

Peer Median: 22.03%

#2100 of 2643 Bottom 20.6% in $100M-$1B