BlastPoint's Banking Scorecard
Citizens Progressive Bank
Micro
Specialty: Commercial
LA
FDIC cert 10531
Designations: ✓ Community bank
Winnsboro, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Citizens Progressive Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.36% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.54% above tier
- - Nonperforming Asset Ratio 1.95% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$255.6M
-10.1% YoY
-5.6% QoQ
|
+$38.1M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
63% |
| Total Loans ? |
$188.5M
-15.0% YoY
-6.6% QoQ
|
+$49.3M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$222.8M
-11.6% YoY
-5.9% QoQ
|
+$39.1M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
65% |
| Return on Assets ? |
0.64%
+71.3% YoY
-10.8% QoQ
|
-0.44% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
4.40%
+15.7% YoY
-0.5% QoQ
|
+0.55% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
76% |
| Efficiency Ratio ? |
82.53%
-7.7% YoY
-1.3% QoQ
|
+14.80% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
17% |
| Delinquency Rate ? |
3.18%
+11.8% YoY
+100.4% QoQ
|
+2.54% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
84.62%
-3.9% YoY
-0.8% QoQ
|
+10.09% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
10.90%
+21.4% YoY
+15.1% QoQ
|
-11.49% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
2.40%
+2.4% YoY
+73.5% QoQ
|
+1.95% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.92%
-0.7% YoY
+46.2% QoQ
|
+0.36% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 9%
in Micro
Why this stands out
Current:
0.92%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Delinquency Rate
metric
Bottom 6%
in Micro
Why this stands out
Current:
3.18%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.40%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Non-Interest Income / Assets
Current: 0.92% · Tier avg: 0.56%
76
76th pctile
Net Interest Margin
Current: 4.40% · Tier avg: 3.85%
71
71th pctile
Total Loans
Current: $188.5M · Tier avg: $139.2M
67
67th pctile
Loan-to-Deposit Ratio
Current: 84.62% · Tier avg: 74.53%
65
65th pctile
Total Deposits
Current: $222.8M · Tier avg: $183.7M
63
63th pctile
Total Assets
Current: $255.6M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
25
25th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.08%
17
17th pctile
Efficiency Ratio
Current: 82.53% · Tier avg: 67.73%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.90% · Tier avg: 22.39%
6
6th pctile
Delinquency Rate
Current: 3.18% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.40% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.40% · Tier avg: 0.45%
6
6th pctile
Delinquency Rate
Current: 3.18% · Tier avg: 0.64%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.90% · Tier avg: 22.39%
17
17th pctile
Efficiency Ratio
Current: 82.53% · Tier avg: 67.73%
25
25th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
63
63th pctile
Total Assets
Current: $255.6M · Tier avg: $217.5M
65
65th pctile
Total Deposits
Current: $222.8M · Tier avg: $183.7M
67
67th pctile
Loan-to-Deposit Ratio
Current: 84.62% · Tier avg: 74.53%
71
71th pctile
Total Loans
Current: $188.5M · Tier avg: $139.2M
76
76th pctile
Net Interest Margin
Current: 4.40% · Tier avg: 3.85%
91
91th pctile
Non-Interest Income / Assets
Current: 0.92% · Tier avg: 0.56%