# CENTRAL PROGRESSIVE BANK
LACOMBE, LA · FDIC certificate 19657 · asset band $300M-1B · latest filing 2011-09 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 10 (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 | $383.1M | |
| Deposits | $347.7M | |
| Loans and leases | $239.3M | |
| Total equity | $2.5M | |
| Loans / deposits | 66.51% (p25 of band) | 77.91% |
| Liquid assets / assets | 13.63% (p9 of band) | |
| Uninsured deposits / deposits | 4.53% (p13 of band) | 12.16% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.66% (p52 of band) | |
| FHLB advances / assets | 5.84% | |
| Tier 1 leverage | 0.63% (p0 of band) | 9.49% |
| Unrealized securities loss / equity | 0.94% (p21 of band) | 4.04% |
| AOCI / equity | 3.63% (p72 of band) | |
| ROA (annualized) | -6.53% (p0 of band) | 0.70% |
| Net interest margin | 3.55% (p38 of band) | 3.76% |
| Efficiency ratio | 203.45% (p100 of band) | |
| Noncurrent loans | 9.27% (p93 of band) | 2.16% |
| Net charge-offs (annualized) | 2.13% (p95 of band) | |
| Reserve coverage of noncurrent | 36.36% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 3911.46% (p100 of band) | |
| Auto loans | $683,000 (0.29% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | – | |
| Employees | 160 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | leverage <7%, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 8 | leverage <5% |  |
| 2011-09 | 10 | capital falling, charge-offs p90 |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2012-05-31 [Governor Jindal recipient of possible illegal campaign contributions - fox8live.com](https://news.google.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?oc=5) · fox8live.com
- 2007-01-23 [Police Arrest Another Suspect in Kidnapping - WAFB](https://news.google.com/rss/articles/CBMihgFBVV95cUxQZkloRFZ2N0NGWElpQTg4cDhLVURHZG1ZbXoybFBLdjY1eFNHWlRnWHpaUk51U0thMDJwMXExOHVVdUp2U3VZVl9nUkpNOXU3c181SHRQQndnNlhWV2lYY3hDenlMRXJfTC1PdUJnOGptRFotQ1BIak43cndvNVpadlVOYVhlQdIBmAFBVV95cUxPZkdobENuRjBDd1VJYWdBZUVOdUxHcGdQYm5sSTJzRUJHRkdEdWloWkhRbndXc3NVbFhBeVBNVzMzeWJSY1ZVQnd5ZWhwVjQyZlIzZ0VBdjhvZW9lRmZLaUhCWHJRcEs4YkpPU3NUNjhBZFBENFJObjhBZUlEM3ZEcE1nTy1PMVpPODhaWG1xbjJLUVZJU0gwZQ?oc=5) · WAFB
- 2025-11-17 [Kenneth Levine Obituary - Covington, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxPdGVPdnNDZ3k3OVpxMlZGcVBXU092clNBQzV2RmdNTXVYWkZzVWxhTXpucXVmWFl0YXQ2UkFxMGNJLVlBaTZ1X1ZOTk5WalM2RjdiS0cybm1OUVV6NW5WUjdjZU8xclpyYXItRmVSem9QaUVieGJHTmVPYWtucUlfMjRNaWJZUQ?oc=5) · Dignity Memorial
- 2021-09-30 [Winston Tucker Obituary (2007) - New Orleans, LA - The Times-Picayune - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPR2VBS213T3ZrN1NGSEVfbE4ybXNXdG1Sd05PQmd5WWh5R0RLb000RkVaeHEwcW14QXFnTXdfSWt0QXlOZmdQWm5vamRFbnR6TndzdVJUOWItOWhTT3hVeFY4Y3VfT01OZGoxaWNaWEw4akd6X1BnV3FxcWNaU2FVMzQ0VGtWa0pS?oc=5) · legacy.com
- 2006-09-25 [St. Bernard prosecutor $12M in debt - New Orleans CityBusiness](https://news.google.com/rss/articles/CBMijgFBVV95cUxNOXl0S2doQkU2T25IbThkRmxPd2Vrbk1BSWF0bnlmUXZ2SkZRc2xidTFNLVJrMm1YOGV5aXZDY291b1d5NzFRaWs3NGF5a01BQVZfVUJLd1lySzM0Sy0xVUl3VWlnajFkRl9PTWw4dnB3UDFTcjd4NGxfb2JGT01ob2hfaGlHN1UtazFUWHJn?oc=5) · New Orleans CityBusiness
- 2021-12-31 [Ernest Singleton Obituary (1941 - 2021) - Greensburg, LA - The Daily Star - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxOSXBMREZDdkZteWhvNEIwVnpsZEdwejIwcFFNaGJqWHRvdzd0YWREbHdzNjd0VmY4OEJkNzdvZXNiamlNS3RFQUNjNGo2Q1VlMVRuTGdVQkZya1Z6WVc0bU45UlBzb19LNDJ5RVRxbUpLb3JlOWMxMS1ncmVNRE9naDNSY0dObmFHSlJ1Qm9zTnZsbFF6ZXc?oc=5) · legacy.com
- 2022-08-01 [John Scarle Obituary (2008) - Baton Rouge, LA - The Advocate - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNMVA0UVVPRmhYSk1ncDRSaVRrT2ZYQnJQYXpRdkRhMGNLZFZ1SnBoODFVUFRKRzVDbXNja0VqY1lTVjZwRmJPdzBWTXZUQ1ZvaU1rXzdZZVdNMHRicUxFUjJ3MlZneTlEWU00SHpwYmJUc2RuX1BvbHA1am00QjRVRXIydlFuTW1IWlBYTGxpZw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19657 (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/9.json (key "19657", 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