Total Assets
$32M
Total balance-sheet footings
FDIC Cert #22549 · Brewton, Alabama · Est. 1977
First Progressive Bank - FDIC Bank Health Profile
A community-scale look at First Progressive Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $32M
- Total assets
- B
- Health grade · Good
- 0.36%
- Return on assets
- 27.5%
- Tier 1 capital
Data updated July 2026
The verdict
First Progressive Bank earns a PlainBankData health grade of B (67/100), with well-capitalized at 27.48% Tier 1, 0.36% ROA, 81% efficiency ratio.
- #4,227
- largest of 4,313 FDIC banks by assets
- 2nd
- percentile by asset size, nationally
- 27.48%
- Tier 1 ratio - above the 10% well-capitalized line
- 11th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First Progressive Bank's 67/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Progressive Bank's composite health score
Tier 1 Capital Ratio (27.48%) 40/40
Return on Assets (ROA) (0.36%) 7/25
Texas Ratio (4.27%) 20/20
Efficiency Ratio (81.19%) 0/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$23M
Customer-funded liabilities
Net Loans
$10M
Outstanding loan book
Net Income
$116K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Progressive Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Progressive Bank's score of 67/100 falls in the highlighted band.
First 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). First Progressive Bank's $32M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
27.48% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
27.48%
Texas Ratio
4.27%
Equity Capital
$9M
Profitability metrics
Return on Assets (ROA)
11th percentile nationally
0.36%
Return on Equity (ROE)
1.32%
Efficiency Ratio
81.19%
What the numbers say about First Progressive Bank
First Progressive Bank is an FDIC-insured institution (Certificate #22549) headquartered in Brewton, Alabama, established in 1977. It holds $32M in total assets - 4,227th of 4,313 FDIC-insured banks, $23M in customer deposits, and $10M in net loans. Its capital position: a Tier 1 ratio of 27.48%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 4.27% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (67 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First Progressive Bank is a community-scale institution -- 92nd of 94 FDIC-insured banks headquartered in Alabama by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$992K
Interest Income
$15K
Non-Interest Income
$807K
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Progressive Bank reports a Texas Ratio of 4.27% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.27% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Alabama by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Progressive Bank (FDIC Cert #22549) - 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 Alabama
All Alabama banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Regions BankBirmingham | $157.4B | A | 1.43% |
| ServisFirst BankBirmingham | $17.7B | A | 1.58% |
| River Bank & TrustPrattville | $3.8B | A | 1.18% |
| Bank IndependentSheffield | $3.0B | B | 1.01% |
| Bryant BankTuscaloosa | $2.9B | A | 1.69% |
| CB&S Bank, Inc.Russellville | $2.9B | C | 0.85% |
| Oakworth Capital BankBirmingham | $2.0B | B | 1.17% |
| Troy Bank & Trust CompanyTroy | $1.6B | A | 1.34% |
Frequently asked questions
What is First Progressive Bank's health grade?▼
First Progressive Bank receives a health grade of B (67/100) 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 good financial health with solid capital levels above regulatory minimums.
How large is First Progressive Bank?▼
First Progressive Bank holds $32M in total assets and $23M in deposits, ranking 4,227th of 4,313 FDIC-insured banks by asset size. It is headquartered in Brewton, Alabama.
Is my money safe at First Progressive Bank?▼
Yes, deposits at First Progressive Bank (Certificate #22549) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Progressive Bank's Tier 1 Capital Ratio?▼
First Progressive Bank has a Tier 1 Capital Ratio of 27.48%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First Progressive Bank?▼
First Progressive Bank has a Texas Ratio of 4.27%. 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 First Progressive Bank?▼
First Progressive Bank has an Efficiency Ratio of 81.19%. 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 First Progressive Bank's profile as a depositor or analyst.
- First Progressive Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Progressive Bank against other Alabama banks before moving funds. Alabama 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.