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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Winnsboro, LA · FDIC certificate #10531
CITIZENS PROGRESSIVE BANK is an FDIC-insured institution based in Winnsboro, LA (FDIC certificate #10531). In its Q3 2026 Call Report it reported total assets of $245M, total deposits of $213M and net loans of $175M. Its primary federal regulator is FDIC.
Plain-language readout
CITIZENS PROGRESSIVE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $250M in Q1 2026 and were lowest at $243M in Q2 2026.
Total deposits were highest at $217M in Q1 2026 and lowest at $210M in Q2 2026.
Over the whole period total assets fell 2.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $245M | $213M | $175M | -0.30% | -2.46% | 4.43% |
| Q2 2026 | $243M | $210M | $185M | 0.48% | 3.91% | 4.40% |
| Q1 2026 | $250M | $217M | $187M | 0.55% | 4.56% | 4.15% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $29.0M | $31.6M | -$2.7M | -8.5% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $8.5M | $10.4M | -$1.9M | -17.9% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $386K | $406K | -$20K | -4.9% |
| Net loans and leases (after allowance) | $184.3M | $186.9M | -$2.6M | -1.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $9.4M | $9.5M | -$119K | -1.3% |
| Other real estate owned | $129K | $75K | +$54K | +72.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $4.5M | $4.5M | $0K | 0.0% |
| All other assets | $7.1M | $6.6M | +$494K | +7.5% |
| Total assets | $243.3M | $250.0M | -$6.8M | -2.7% |
| Liabilities | ||||
| Total deposits | $209.8M | $217.1M | -$7.3M | -3.4% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.3M | $2.1M | +$129K | +6.0% |
| Total liabilities | $212.0M | $219.3M | -$7.2M | -3.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $7.5M | $7.5M | $0K | 0.0% |
| Surplus | $15.5M | $15.5M | $0K | 0.0% |
| Retained earnings | $8.6M | $8.3M | +$253K | +3.0% |
| Accumulated other comprehensive income | -$357K | -$552K | +$195K | +35.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $31.2M | $30.8M | +$448K | +1.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $8.5M | $7.2M | +$1.4M | +19.2% |
| Adjusted nonperforming assets | $7.6M | $6.1M | +$1.4M | +23.3% |
| Tangible equity plus allowance | $28.6M | $28.1M | +$516K | +1.8% |
| Texas ratio (gross) | 29.84% | 25.49% | +4.34 pts | See points |
| Texas ratio (adjusted) | 26.37% | 21.78% | +4.59 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 26.37% | 21.78% | +4.59 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.31% | 10.84% | +0.46 pts | See points |
| Construction and land loans to total capital | 20.08% | 39.72% | -19.65 pts | See points |
| Commercial real estate to total capital | 91.08% | 122.68% | -31.60 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.47% | -2.18% | +0.71 pts | See points |
| Liquidity | ||||
| Core deposits | $163.7M | $163.7M | +$12K | +0.0% |
| Non-core funding | $46.1M | $53.4M | -$7.4M | -13.8% |
| Loans to core deposits | 113.75% | 115.33% | -1.58 pts | See points |
| Loans to deposits | 88.78% | 86.96% | +1.82 pts | See points |
| Brokered deposits share of deposits | 5.05% | 9.28% | -4.23 pts | See points |
| Pledged securities share of securities | 32.91% | 37.78% | -4.86 pts | See points |
| Loans pledged, share of loans | 39.52% | 44.39% | -4.87 pts | See points |
| Volatile liabilities | $58.1M | $66.6M | -$8.6M | -12.9% |
| Earnings | ||||
| Earnings before provision, year to date | $956K | $538K | +$418K | +77.7% |
| Earnings before provision, single quarter | $418K | $538K | -$120K | -22.3% |
| Provision for credit losses, year to date | $353K | $188K | +$165K | +87.8% |
| Yield and cost | ||||
| Yield on loans and leases | 7.86% | 7.56% | +0.30 pts | See points |
| Yield on interest-bearing balances due from banks | 3.66% | 3.58% | +0.09 pts | See points |
| Total interest income to average assets | 6.58% | 6.26% | +0.31 pts | See points |
| Cost of interest-bearing transaction accounts | 1.53% | 1.01% | +0.52 pts | See points |
| Cost of savings and money market deposits | 2.53% | 2.63% | -0.10 pts | See points |
| Cost of time deposits | 3.75% | 3.83% | -0.08 pts | See points |
| Total interest expense to average assets | 2.33% | 2.54% | -0.21 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $245M | $213M | $175M | -0.30% | -2.46% | 4.43% |
| 2026-06-30 | $243M | $210M | $185M | 0.48% | 3.91% | 4.40% |
| 2026-03-31 | $250M | $217M | $187M | 0.55% | 4.56% | 4.15% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| LA | $243.2M | 0.18% | 72 | Continuing · -0.02 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.