Total Assets
$255M
Total balance-sheet footings
FDIC Cert #10531 · Winnsboro, Louisiana · Est. 1918
Citizens Progressive Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $255M
- Total assets
- D
- Health grade · Weak
- 0.47%
- Return on assets
- 10.1%
- Tier 1 capital
Data updated July 2026
The verdict
Citizens Progressive Bank earns a PlainBankData health grade of D (45/100), with well-capitalized at 10.12% Tier 1, 0.47% ROA, 84% efficiency ratio.
- #2,711
- largest of 4,313 FDIC banks by assets
- 37th
- percentile by asset size, nationally
- 10.12%
- Tier 1 ratio - above the 10% well-capitalized line
- 15th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Citizens Progressive Bank's 45/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Citizens Progressive Bank's composite health score
Tier 1 Capital Ratio (10.12%) 28/40
Return on Assets (ROA) (0.47%) 7/25
Texas Ratio (23.46%) 10/20
Efficiency Ratio (84.16%) 0/15
45 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$223M
Customer-funded liabilities
Net Loans
$188M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Citizens Progressive Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Progressive Bank's score of 45/100 falls in the highlighted band.
Citizens Progressive Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citizens Progressive Bank's $255M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.12% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.12%
Texas Ratio
23.46%
Equity Capital
$31M
Profitability metrics
Return on Assets (ROA)
15th percentile nationally
0.47%
Return on Equity (ROE)
4.26%
Efficiency Ratio
84.16%
What the numbers say about Citizens Progressive Bank
Citizens Progressive Bank is an FDIC-insured institution (Certificate #10531) headquartered in Winnsboro, Louisiana, established in 1918. It holds $255M in total assets - 2,711th of 4,313 FDIC-insured banks, $223M in customer deposits, and $188M in net loans. Capital-wise, the Tier 1 ratio sits at 10.12%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 23.46%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of D (45 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Citizens Progressive Bank sits 67th of 106 banks headquartered in Louisiana by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$18M
Interest Income
$2M
Non-Interest Income
$11M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Progressive Bank reports a Texas Ratio of 23.46% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
23.46% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Citizens Progressive Bank
Citizens Progressive Bank's grade of D reflects specific pressure points in the FDIC Call Report.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Citizens Progressive Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Louisiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Progressive Bank (FDIC Cert #10531) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Louisiana
All Louisiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Origin BankChoudrant | $9.6B | B | 0.76% |
| b1BANKBaton Rouge | $8.2B | A | 1.23% |
| First Guaranty BankHammond | $4.1B | C | -1.33% |
| Gulf Coast Bank and Trust CompanyNew Orleans | $3.6B | B | 1.15% |
| Home Bank, National AssociationLafayette | $3.5B | A | 1.41% |
| Red River BankAlexandria | $3.3B | A | 1.36% |
| Investar Bank, National AssociationBaton Rouge | $2.8B | B | 0.89% |
| Bonvenu Bank, National AssociationBossier City | $1.6B | B | 0.54% |
Frequently asked questions
What is Citizens Progressive Bank's health grade?▼
Citizens Progressive Bank receives a health grade of D (45/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Citizens Progressive Bank?▼
Citizens Progressive Bank holds $255M in total assets and $223M in deposits, ranking 2,711th of 4,313 FDIC-insured banks by asset size. It is headquartered in Winnsboro, Louisiana.
Is my money safe at Citizens Progressive Bank?▼
Yes, deposits at Citizens Progressive Bank (Certificate #10531) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens Progressive Bank's Tier 1 Capital Ratio?▼
Citizens Progressive Bank has a Tier 1 Capital Ratio of 10.12%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Citizens Progressive Bank?▼
Citizens Progressive Bank has a Texas Ratio of 23.46%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Citizens Progressive Bank?▼
Citizens Progressive Bank has an Efficiency Ratio of 84.16%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens Progressive Bank's profile as a depositor or analyst.
- Citizens Progressive Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens Progressive Bank against other Louisiana banks before moving funds. Louisiana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.