BlastPoint's Banking Scorecard
First Progressive Bank
Micro
Specialty: Other
AL
FDIC cert 22549
Designations: ✓ Community bank
Brewton, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
First Progressive Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 37.63% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.08% above tier
- - Loan-to-Deposit Ratio 30.30% below tier
- - Non-Interest Income / Assets 0.52% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$32.4M
-0.9% YoY
+1.9% QoQ
|
-$185.1M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$10.4M
-0.9% YoY
-1.9% QoQ
|
-$128.8M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$23.5M
-1.7% YoY
+2.4% QoQ
|
-$160.2M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
0.36%
-21.5% YoY
+44.9% QoQ
|
-0.73% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
3.48%
+3.8% YoY
+4.8% QoQ
|
-0.37% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
33% |
| Efficiency Ratio ? |
81.19%
+3.8% YoY
-3.1% QoQ
|
+13.46% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
3.72%
+293.6% YoY
+342.2% QoQ
|
+3.08% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
44.22%
+0.7% YoY
-4.3% QoQ
|
-30.30% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
60.03%
-0.4% YoY
+1.3% QoQ
|
+37.63% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
1.19%
+293.3% YoY
+325.5% QoQ
|
+0.74% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.05%
-15.9% YoY
+47.2% QoQ
|
-0.52% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
60.03%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (3)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.72%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
44.22%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
0.05%
(Tier avg: 0.56%, National avg: 0.65%)
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
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 60.03% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
33
33th pctile
Net Interest Margin
Current: 3.48% · Tier avg: 3.85%
19
19th pctile
Efficiency Ratio
Current: 81.19% · Tier avg: 67.73%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.19% · Tier avg: 0.45%
14
14th pctile
Return on Assets
Current: 0.36% · Tier avg: 1.08%
9
9th pctile
Loan-to-Deposit Ratio
Current: 44.22% · Tier avg: 74.53%
3
3th pctile
Total Deposits
Current: $23.5M · Tier avg: $183.7M
3
3th pctile
Total Assets
Current: $32.4M · Tier avg: $217.5M
3
3th pctile
Total Loans
Current: $10.4M · Tier avg: $139.2M
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
0
0th pctile
Delinquency Rate
Current: 3.72% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.72% · Tier avg: 0.64%
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
3
3th pctile
Total Loans
Current: $10.4M · Tier avg: $139.2M
3
3th pctile
Total Assets
Current: $32.4M · Tier avg: $217.5M
3
3th pctile
Total Deposits
Current: $23.5M · Tier avg: $183.7M
9
9th pctile
Loan-to-Deposit Ratio
Current: 44.22% · Tier avg: 74.53%
14
14th pctile
Return on Assets
Current: 0.36% · Tier avg: 1.08%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.19% · Tier avg: 0.45%
19
19th pctile
Efficiency Ratio
Current: 81.19% · Tier avg: 67.73%
33
33th pctile
Net Interest Margin
Current: 3.48% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 60.03% · Tier avg: 22.39%