BlastPoint's Banking Scorecard

Citizens Progressive Bank

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

Designations: ✓ CDFI-certified

Winnsboro, LA

6 branches across LA

2664 banks in the $100M-$1B peer group nationally 74 in LA

Citizens Progressive Bank has 1 strength but faces 6 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

+ Net Interest Margin 0.21% above tier average

Key Concerns

Areas that may need attention

- Capital Constraint: Bottom 0.9% in tier
- Capital Thin: Bottom 5.1% in tier
- Efficiency Drag: Bottom 21.5% in tier
- Delinquency Rate 2.90% above tier average
- Nonperforming Asset Ratio 2.23% above tier average
- ROA 0.71% below tier average

Get updates when Citizens Progressive Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$250.0M -11.4% YoY -2.0% QoQ	-$136.0M	$386.1M +0.5% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	37%
Total Loans ?	$187.3M -16.8% YoY -0.5% QoQ	-$68.4M	$255.7M +1.1% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	46%
Total Deposits ?	$217.1M -13.1% YoY -2.5% QoQ	-$110.9M	$328.0M +0.1% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	38%
Return on Assets ?	0.55% -4.3% YoY +16.9% QoQ	-0.71%	1.27% +12.9% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	Bottom 14.5% in tier
Net Interest Margin ?	4.15% -1.9% YoY -3.6% QoQ	+0.21%	3.93% +6.0% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	65%
Efficiency Ratio ?	81.92% -3.9% YoY -2.7% QoQ	+16.63%	65.29% -4.5% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	Bottom 13.0% in tier
Delinquency Rate ?	3.79% +0.4% YoY -5.8% QoQ	+2.90%	0.89% +18.8% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	Bottom 3.7% in tier
Loan-to-Deposit Ratio ?	86.28% -4.2% YoY +2.1% QoQ	+9.64%	76.64% +0.8% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	32%
Non-Interest-Bearing Deposit Share ?	12.52% +28.6% YoY +14.8% QoQ	-9.50%	22.02% -1.0% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	16%
Nonperforming Asset Ratio ?	2.87% -9.1% YoY -5.0% QoQ	+2.23%	0.64% +19.7% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	Bottom 3.3% in tier
Tier 1 Capital Ratio ?	10.84% +16.6% YoY +7.1% QoQ	-4.99%	15.83% +1.5% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	21%
Non-Interest Income / Assets ?	0.25% +45.6% YoY -72.6% QoQ	-0.03%	0.28% +9.3% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	Top 8.9% in tier

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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 (3)

Capital Constraint

risk

#2 of 108 • Bottom 0.9% 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: 86.28%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 10.84%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ

Capital Thin

risk

#35 of 666 • Bottom 5.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.84%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Efficiency Drag

risk

#90 of 414 • Bottom 21.5% in tier

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

Why this signature

Efficiency Ratio: 81.92%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | 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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

237

Non-Interest Income / Assets

revenue_mix

Value: 0.25%

Peer Median: 0.28%

#237 of 2664 Top 8.9% in $100M-$1B

Top Weaknesses (6 metrics)

2578

Nonperforming Asset Ratio

credit_quality

Value: 2.87%

Peer Median: 0.64%

#2578 of 2664 Bottom 3.3% in $100M-$1B

2558

Delinquency Rate

credit_quality

Value: 3.79%

Peer Median: 0.89%

#2558 of 2654 Bottom 3.7% in $100M-$1B

2318

Efficiency Ratio

profitability

Value: 81.92%

Peer Median: 65.29%

#2318 of 2664 Bottom 13.0% in $100M-$1B

2278

Return on Assets

profitability

Value: 0.55%

Peer Median: 1.27%

#2278 of 2664 Bottom 14.5% in $100M-$1B

2237

Non-Interest-Bearing Deposit Share

funding

Value: 12.52%

Peer Median: 22.02%

#2237 of 2664 Bottom 16.1% in $100M-$1B

2101

Tier 1 Capital Ratio

capital

Value: 10.84%

Peer Median: 15.83%

#2101 of 2664 Bottom 21.2% in $100M-$1B