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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 10531 · LA D · 45/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-D D (45/100)
  • BOTTOM-DECILE #4195/4307
  • PHOTO-FINISH Camp Grove State Bank · IL
  • TIER1-WELL 10.1% Tier 1
  • TEXAS-HEALTHY 23.5% Texas
  • ROA-THIN 0.47% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Louisiana: Camp Grove State Bank, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Citizens Progressive Bank

Lowest and highest poles plus nearest scored peers outside Louisiana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American State Bank · TX · n…45/100Apex Banking Company… · GA ·…45/100Banner Banks · WI · near45/100Camp Grove State Bank · IL ·…45/100Citizens Progressive… · LA ·…45/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citizens Progressive Bank · July 2026

What Citizens Progressive Bank's Call Report plate shows

Citizens Progressive Bank (FDIC Cert #10531) carries a PlainBankData health grade of D at 45/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,195 of 4,307. Tier 1 capital prints at 10.12%, clearing the 10% well-capitalized line. The Texas Ratio is 23.46%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.47%. Balance-sheet scale is $255M, 2,711th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Camp Grove State Bank (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Citizens Progressive Bank

4 FAILURE resolutions in Louisiana since 2000 (3 since 2008)

Citizens Progressive Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Citizens Progressive Bank remains an active FDIC-insured reporter.

  • FIRST NBC BANK NEW ORLEANS, LA 2017 → WHITNEY BANK
  • CENTRAL PROGRESSIVE BANK LACOMBE, LA 2011 → FIRST NBC BANK
  • STATEWIDE BANK COVINGTON, LA 2010 → HOME BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Louisiana banks.

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.

0/100100/100National avg77/10045/100
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 Assets

$255M

Total balance-sheet footings

Total Deposits

$223M

Customer-funded liabilities

Net Loans

$188M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.72% 10.12% 11.52%
Basel III capital ratios - Citizens Progressive Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

45 3rd percentile higher than 3% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Citizens Progressive Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for Citizens Progressive Bank

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

What these ratios mean →

Profitability metrics: Citizens Progressive Bank

Return on Assets (ROA)
15th percentile nationally
0.47%
Return on Equity (ROE)
4.26%
Efficiency Ratio
84.16%

What these mean →

Income & expense at Citizens Progressive Bank

$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.

FDIC Failed Bank List → View Citizens Progressive Bank on FDIC BankFind →

Top banks in Louisiana by total assets

Largest banks headquartered in Louisiana
  1. 1
    Origin Bank $9.6B

    Choudrant, LA · Grade B

  2. 2
    b1BANK $8.2B

    Baton Rouge, LA · Grade A

  3. 3
    First Guaranty Bank $4.1B

    Hammond, LA · Grade C

  4. 4
    Gulf Coast Bank and Trust Company $3.6B

    New Orleans, LA · Grade B

  5. 5
    Home Bank $3.5B

    Lafayette, LA · Grade A

Top 5 banks in Louisiana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($255M here), outside Louisiana so the neighborhood is not state containment.

First Security Bank and Trust Company $255M · OK Westside State Bank $255M · IA Wyoming Community Bank $255M · WY Commercial State Bank, of Wagner $255M · SD

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.

Citizens Progressive Bank Call Report profile · FDIC Failed Bank List · Louisiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Louisiana

All Louisiana banks →
BankAssetsGradeROA
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%