BlastPoint's Banking Scorecard
First Progressive Bank
Designations: ✓ Community bank
Brewton, AL
First Progressive Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 36.88% above tier average
- + Efficiency Ratio 6.31% below tier average
- + Delinquency Rate 1.30% below tier average
Key Concerns
Areas that may need attention
- - ROA 1.11% below tier average
- - Net Interest Margin 0.15% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$32.7M
+0.6% YoY
+0.9% QoQ
|
-$29.6M |
$62.3M
-0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.0% YoY
|
Bottom 14.0% in tier |
| Total Loans ? |
$10.3M
-4.3% YoY
-0.6% QoQ
|
-$24.0M |
$34.3M
-1.5% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.7% YoY
|
Bottom 11.4% in tier |
| Total Deposits ? |
$23.8M
+0.4% YoY
+1.3% QoQ
|
-$28.0M |
$51.8M
-0.6% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.0% YoY
|
Bottom 13.2% in tier |
| Return on Assets ? |
-0.26%
-40.2% YoY
-171.9% QoQ
|
-1.11% |
0.86%
-3.6% YoY
|
0.78%
-19.5% YoY
|
1.24%
+13.1% YoY
|
Bottom 11.9% in tier |
| Net Interest Margin ? |
3.71%
+16.4% YoY
+6.7% QoQ
|
-0.15% |
3.87%
+2.7% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
45% |
| Efficiency Ratio ? |
81.32%
-18.3% YoY
+0.2% QoQ
|
-6.31% |
87.63%
+2.3% YoY
|
72.13%
+5.1% YoY
|
66.84%
-3.8% YoY
|
32% |
| Delinquency Rate ? |
0.06%
-89.0% YoY
-98.4% QoQ
|
-1.30% |
1.36%
+33.7% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
43.38%
-4.7% YoY
-1.9% QoQ
|
-20.73% |
64.11%
-0.9% YoY
|
67.08%
+2.0% YoY
|
76.69%
+0.9% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
60.66%
+2.1% YoY
+1.1% QoQ
|
+36.88% |
23.79%
+0.5% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.1% YoY
|
Top 1.7% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-89.5% YoY
-98.5% QoQ
|
-0.76% |
0.77%
+28.7% YoY
|
0.71%
+24.8% YoY
|
0.66%
+19.3% YoY
|
69% |
| Tier 1 Capital Ratio ? |
27.34%
+1.5% YoY
-0.5% QoQ
|
+0.56% |
26.77%
+2.0% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.02%
+131.9% YoY
-53.8% QoQ
|
-0.65% |
0.67%
+1.6% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.0% YoY
|
15% |
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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.