BlastPoint's Banking Scorecard
First Progressive Bank
Designations: ✓ Community bank
Brewton, AL
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 536 banks in the under $100M peer group nationwide — 1 of 12 in AL.
- Deposits -3.2% year over year ($22.7M on the books).
- Delinquency rate 3.91%.
- Return on assets 0.02%.
- Efficiency ratio 80.08% vs a 119.40% peer average.
- Loan-to-deposit ratio 45.04% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Progressive Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 36.51% above tier average
- + Efficiency Ratio 39.32% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.43% above tier average
- - Non-Interest Income / Assets 1.35% below tier average
- - ROA 0.97% below tier average
- - Net Interest Margin 0.40% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$31.6M
-2.1% YoY
-3.2% QoQ
|
-$30.8M |
$62.4M
-0.0% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
Bottom 13.2% in tier |
| Total Loans ? |
$10.2M
-5.8% YoY
-0.9% QoQ
|
-$24.7M |
$34.9M
-0.6% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 11.2% in tier |
| Total Deposits ? |
$22.7M
-3.2% YoY
-4.6% QoQ
|
-$28.9M |
$51.6M
-0.2% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 12.5% in tier |
| Return on Assets ? |
0.02%
-79.8% YoY
+109.6% QoQ
|
-0.97% |
1.00%
+3.5% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
Bottom 13.6% in tier |
| Net Interest Margin ? |
3.51%
+10.3% YoY
-5.4% QoQ
|
-0.40% |
3.91%
+2.3% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
30% |
| Efficiency Ratio ? |
80.08%
-9.7% YoY
-1.5% QoQ
|
-39.32% |
119.40%
+49.6% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
31% |
| Delinquency Rate ? |
3.91%
+177.5% YoY
|
+2.43% |
1.48%
+31.8% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
Bottom 8.5% in tier |
| Loan-to-Deposit Ratio ? |
45.04%
-2.6% YoY
+3.8% QoQ
|
-29.17% |
74.21%
+12.6% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
60.00%
+1.1% YoY
-1.1% QoQ
|
+36.51% |
23.49%
+0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
Top 1.5% in tier |
| Nonperforming Asset Ratio ? |
1.27%
+166.9% YoY
|
+0.43% |
0.84%
+23.0% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
28.01%
+2.8% YoY
+2.5% QoQ
|
+0.89% |
27.13%
+3.0% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.03%
+53.2% YoY
+32.9% QoQ
|
-1.35% |
1.38%
+6.3% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
Bottom 9.1% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
60.0%
+0.7pp YoY -0.7pp QoQ |
+35.4pp | 24.6% | 24.0% | 22.2% | 98% |
| Brokered Deposits | n/a | n/a | 9.8% | 5.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
27.2%
+1.3pp YoY +0.1pp QoQ |
+13.8pp | 13.4% | 16.9% | 12.5% | 88% |
| CRE | n/a | n/a | 25.2% | 43.5% | 41.4% | n/a |
| 1-4 Family |
46.7%
-1.8pp YoY -0.1pp QoQ |
+11.7pp | 35.0% | 30.6% | 31.3% | 69% |
| Consumer |
5.7%
-1.0pp YoY -0.3pp QoQ |
-2.0pp | 7.7% | 5.7% | 5.0% | 54% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
28.0%
+0.8pp YoY +0.7pp QoQ |
+10.3pp | 17.7% | 13.2% | 12.6% | 92% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
+1 (+16.7%) YoY 0 QoQ |
-5 | 12 | 304 | 482 | 20% |
| Assets per Employee ($) |
$4.5M
-16.1% YoY -3.2% QoQ |
-$1.7M | $6.2M | $6.9M | $8.8M | 29% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 20 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual |
3.9%
+2.5pp YoY +3.9pp QoQ |
+2.2pp | 1.7% | 1.2% | 1.0% | 90% |
| Allowance Coverage |
0.58x
-39.1% YoY -98.5% QoQ |
-5.83x | 6.41x | 7.50x | 20.23x | 26% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.3% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
0.1%
-0.4pp YoY +1.0pp QoQ |
-6.3pp | 6.4% | 10.0% | 11.6% | 13% |
| Cost of Funds (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-1.4pp | 1.4% | 1.7% | 1.7% | 1% |
| Net Income ($, YTD) |
$4,000
-80.0% YoY — QoQ |
-$314K | $317,817 | $17.2M | $40.4M | 13% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.