# CITIZENS PROGRESSIVE BANK
WINNSBORO, LA · FDIC certificate 10531 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $243.3M | |
| Deposits | $209.8M | |
| Loans and leases | $186.6M | |
| Total equity | $31.2M | |
| Loans / deposits | 88.03% (p76 of band) | 73.59% |
| Liquid assets / assets | 15.40% (p12 of band) | |
| Uninsured deposits / deposits | 29.02% (p79 of band) | 19.81% |
| Brokered deposits | 4.35% | |
| Wholesale funding | 4.35% (p70 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.31% (p44 of band) | 11.76% |
| Unrealized securities loss / equity | -1.27% (p75 of band) | -6.57% |
| AOCI / equity | 0.13% (p90 of band) | |
| ROA (annualized) | 0.48% (p17 of band) | 1.17% |
| Net interest margin | 4.40% (p72 of band) | 3.93% |
| Efficiency ratio | 84.52% (p84 of band) | |
| Noncurrent loans | 4.51% (p96 of band) | 0.36% |
| Net charge-offs (annualized) | 0.08% (p85 of band) | |
| Reserve coverage of noncurrent | 23.23% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 18.64% (p51 of band) | |
| Auto loans | $1.1M (0.60% of loans; DQ 1.08%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -13.8% | |
| Employees | 67 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 3 | liquid assets <10%, noncurrent p90 | capital falling |
| 2015-09 | 1 |  | liquid assets <10%, noncurrent p90 |
| 2015-12 | 3 | liquid assets <10%, capital falling |  |
| 2016-03 | 4 | noncurrent p90, charge-offs p90 | liquid assets <10% |
| 2016-06 | 3 |  | charge-offs p90 |
| 2016-09 | 4 | uninsured deposits >50%, brokered >10% | noncurrent p90 |
| 2016-12 | 2 |  | capital falling, uninsured deposits >50% |
| 2017-03 | 3 | charge-offs p90 |  |
| 2017-06 | 5 | wholesale funding >15%, noncurrent p90, uninsured deposits leaving | charge-offs p90 |
| 2017-09 | 6 | deposits shrinking, assets shrinking | wholesale funding >15% |
| 2017-12 | 2 |  | brokered >10%, uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2018-03 | 3 | charge-offs p90 |  |
| 2018-06 | 2 |  | noncurrent p90 |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 4 | brokered >10%, capital falling |  |
| 2020-03 | 3 | noncurrent p90 | charge-offs p90, brokered >10% |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | noncurrent p90 |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | charge-offs p90 |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | capital falling | charge-offs p90 |
| 2022-06 | 2 | brokered >10% | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | brokered >10% |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 1 |  | capital falling |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | capital falling, noncurrent p90 |  |
| 2024-06 | 4 | charge-offs p90 |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 |  | charge-offs p90 |
| 2025-03 | 3 | brokered >10% | capital falling |
| 2025-06 | 5 | deposits shrinking, assets shrinking |  |
| 2025-09 | 5 | uninsured deposits leaving | noncurrent p90 |
| 2025-12 | 6 | noncurrent p90, charge-offs p90 | brokered >10% |
| 2026-03 | 5 |  | charge-offs p90 |
| 2026-06 | 5 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-09 [Eighty-eight rising bank leaders advance knowledge at Louisiana Tech's School of Banking - Louisiana Tech University](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQdnN2TEdIRENHV2NHZnNXSnFFMmQ0b1ZfM0cwSzNrdHZLeWkyZGJsd1dsaENMclUxdzNZX1F4UzRRVHZWR2wwYVY2TklEZmZ3NV94X3RmWHBIVWFZSlBuSEtaaHBheDZsUVNsOExfa000X1ppTU05TXIyeWk0WjB6S1dWWXJQNVpMTHRMSjRubEpTME5NOEdia0FnVEZ4cWdrSzlRTmMtQnVUVHZHcmNEd0lYQUFYczFLWk04?oc=5) · Louisiana Tech University
- 2025-06-20 [83 rising bank leader advance knowledge at LA Tech’s School of Banking - Lincoln Parish Journal](https://news.google.com/rss/articles/CBMitAFBVV95cUxNWUI2Q1JpUmZuWm5STUVTZVdjMkdTNGQyT2hQeFpQdzNKa3AwdG9nMGZMbUw4bTJOZXNZQVljYm9BR0psTEF4OTlkYXpuTlh0OFE4NnBUR1RuMmN2Wkt4ajd3dVZ0RVJlY24za3RSdUFIRXgxMk9Xb2ZlQUZMYm5sZjVXVl9RWmVRUjN2c3FyZXhuVVY5NG1qNHJ6enN3Y2pnZjdCZEE3YVYzUElYTTVlX3VlUnk?oc=5) · Lincoln Parish Journal
- 2021-10-01 [Timmie Ray Thames Obituary - thenewsstar.com](https://news.google.com/rss/articles/CBMiXEFVX3lxTE91aEZsWDdQaEdZRU4yaHhaWmh1RGhOZGJFTW43YVVBdmx5eHVlR0JBa1VQMEVnN0g3M0RwMjRCVC1sUWl5S01WdEpwOGFXeEJFaHY4aDlIRDVIazZy?oc=5) · thenewsstar.com
- 2026-03-30 [Courthouse Records: Civil cases, marriages, and deed transactions through March 26, 2026 - natchezdemocrat.com](https://news.google.com/rss/articles/CBMizgFBVV95cUxPVGlMZWlZUUMycWlKNXdwQ0dHdTE3a2VyTUhzcUtOaEo0S3FWZ2JaTGNVaUJKMlFPSkNkUjJBeHJwMFlmS3h1eGRQTk1UQ2xxaWhDZFhkVG1jUlY5VkpERkpYUU84UmRCS2tERHBHckd6bWVXNWNvWnUxTlVyZ2JJN2x3LUVRcElCUmxRUGxNZWZCYUkwQ3pVWWp0T1BoZkFrRjdiUzdIN2pKbTNnTW9nTjM0el9GNFQ1dzBhU2JNZGRWSkdJaFBILWIzak1yZw?oc=5) · natchezdemocrat.com
- 2017-10-30 [Judge Terry Doughty – Nominee to the U.S. District Court for the Western District of Louisiana - The Vetting Room](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1PVU5SZUhwUnhpVklVYXNXdTNleW9nMzJTb1FnNzVsZXNfV1N0Q0lzX0tZT1QtYnJlUGVUZ1YyeGdkeG5HRjdCZjc2R21LbGlvSVFGdTEwdHVCclVoUkpHZUY0MlcwZw?oc=5) · The Vetting Room
- 2011-09-30 [Donnie DeLancy Obituary Sep 30, 2011 - Mulhearn Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTFBsSXE3RW5WSGd4TUs2a2xYMENyNWJISnl2Yk5FUWpZZDZJTGliYmt4QXY1OV95a2xObU5GamF2c2lGeFdOQ1J4NjhaNENPbktPNTJMLU5PamZWRmN1dlNsUVlnSm1IMGdETnlOQWxR?oc=5) · Mulhearn Funeral Home
- 2025-11-04 [Thurman Alvin Roberts, JR Obituary (2025) - Grayson, LA - Riser Funeral Home - Columbia - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNX0IyZnQwc0ZUQzdCN3daRUJ6anNiZjdGZGYtMlJ4TnFZR1F1WkJURFhnTmVwV0dsWldRbXdHUXFzSC10QVp0bEthbkRxNWRvdlo0cFJRRHNjMUdkZUJKYUZ5dDhSZkUtMktVZmpCOEc3YUZGb0VnT1ozanpHSGJzVXRoMTZnVXIw?oc=5) · legacy.com
- 2025-05-30 [These Louisiana small businesses earned awards for being 'engines' of state economy; see list - NOLA.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxOM3ctMm9fdl93U2pNR29aTTZvdGY5ZmRFeldOYkZUMTJ1ZHd0MHdURE1FSlRvWHItS1ZIcDFPcmo1dTZDSzJPRU1hZ29vTVd6WXIwaUJERVJyMEJfWGhvRDlIbm1Cd3FVekY1cFl3d0pybFdtWF9XUnNYQU1kTEZSaFJWVWtZRkIwZFRxdjRiQVlWS0QtbEZvQVRQRExDY0NUR09VMDM0N2FVTGhFbmpZYVR5ZUVSN256N1J3UGtGeV9ibTNwbkp2ZHFFTE_SAdIBQVVfeXFMTmhob0N2Y1d3cFI1UEx5YTI2YWZZSTlCbzljeVY0Q21PZkx0eC1DSGk1dGU5M2VhVFVCZnRwQjVZWWxXZlBpZ2loZmxfbzFmNWg5ZF9ocTN0YS1ndjl2UWhMbE0zaHRIdWxQTzI5b3E1ek9PdTZSaFd0RmxtSnI2S1NnQWp0cl9iUk5hQS1EeHEzTjdZVDRyMGUyYUExSFZTWWlVQ05jamduZmg1T1BWRmhTRU1pSHFEMWxYMG1GOENpWHNRYzNieHRPSHFhbFV4UnVn?oc=5) · NOLA.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10531 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/35.json (key "10531", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide