# PROGRESSIVE BANK
MONROE, LA · FDIC certificate 22139 · asset band $300M-1B · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $768.0M | |
| Deposits | $687.1M | |
| Loans and leases | $597.2M | |
| Total equity | $69.7M | |
| Loans / deposits | 85.82% (p60 of band) | 81.53% |
| Liquid assets / assets | 18.11% (p25 of band) | |
| Uninsured deposits / deposits | 39.39% (p85 of band) | 25.77% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.38% (p28 of band) | |
| FHLB advances / assets | 0.38% | |
| Tier 1 leverage | 9.56% (p28 of band) | 10.58% |
| Unrealized securities loss / equity | -8.00% (p49 of band) | -7.83% |
| AOCI / equity | 2.71% (p37 of band) | |
| ROA (annualized) | 0.38% (p9 of band) | 1.16% |
| Net interest margin | 3.66% (p46 of band) | 3.74% |
| Efficiency ratio | 88.19% (p94 of band) | |
| Noncurrent loans | 0.02% (p12 of band) | 0.37% |
| Net charge-offs (annualized) | 0.02% (p52 of band) | |
| Reserve coverage of noncurrent | 7337.25% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 63.38% (p65 of band) | |
| Auto loans | $331,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.1% | |
| Employees | 116 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | loans exceed deposits |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 1 |  | loans exceed deposits |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 | loans exceed deposits | capital falling |
| 2013-09 | 0 |  | loans exceed deposits |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | loans exceed deposits |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | loans exceed deposits |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | loans exceed deposits |  |
| 2017-06 | 2 | deposits shrinking |  |
| 2017-09 | 1 |  | loans exceed deposits |
| 2017-12 | 1 | uninsured deposits leaving | deposits shrinking |
| 2018-03 | 1 | capital falling | uninsured deposits leaving |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | charge-offs p90 |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 0 |  | charge-offs p90 |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 1 | construction >100% equity |  |
| 2022-12 | 0 |  | construction >100% equity |
| 2023-03 | 1 | deposits shrinking |  |
| 2023-06 | 2 | expense ratio p90 |  |
| 2023-09 | 2 | capital falling | deposits shrinking |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | NIM <2.5% |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 | assets shrinking | capital falling, NIM <2.5% |
| 2025-03 | 1 |  | expense ratio p90 |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 | expense ratio p90 | assets shrinking |

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

- 2026-05-31 [B1Bank, Progressive Bank claim merger will strengthen banking in north Louisiana - knoe.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxPVzByYUFhc0xCcDltNDc4T3UzYTNOLTdzWE04Q1ZheXg5Y0pWY2ZLTnJPbmphSURIb1Q2dlpxLURTZ1phLUNWUFpXRTI2ZGJfVUtsanB3X01FYnRYckhEa3MwQ2VWdFREMV84S3JtYWd0b3FzNXZveXNrb2cza2M1MUJvWDYwWTIzS2pMTGZvV0Q5VTJza3RCWjRfRkFjaVh5LTFrUzhaVzNNeEZUbC1VVHJELXA2UQ?oc=5) · knoe.com
- 2026-07-17 [After 50 years, this Shreveport bank will soon be replaced. See by who. - The Shreveport-Bossier City Advocate](https://news.google.com/rss/articles/CBMi9AFBVV95cUxOelphQ1A3eXJETTlneVd6bXlOX1ZpdkJNVFg4ZlVRb2E0WnRkVjFiWk13alNSLU4wcHVVd1RTRnhaM3NURno1X1VDZ2czblZsV3dfMlNfaU04aFEybmVZNFBrRzNIZmpaQkNtMDZueEgzXzNwT3h3clJOYi1rVldpS1E5V0RRdWd6cFg5aXRYTERXOXBqemE0WEN3UWRhRjlyNG85dFpTYVBWQjF6cHpQOHJueVdDOFNTQmZNLUNHX3RqNm9XYUtqeVZYVW5ILWhJNUQyNWVTMmRYYm9DMjFqdlBUaVk5NGRzTlU0M1FNY2dCb09v?oc=5) · The Shreveport-Bossier City Advocate
- 2026-01-05 [b1Bank closes its acquisition of Progressive Bank - Baton Rouge Business Report](https://news.google.com/rss/articles/CBMikgFBVV95cUxOazZPZE5tazFfNHl2NkdwU1JySkpqTUEzUnhzUWtxeVF6cGRvNWZLQ1V0dzNYY2FRTTd0cEZrblkxY1EtcFF6MUZJbWxWSUtRWkVEaC1vVHl2MHREX2tYY2RReUt6ajNJTG52M3pxNXhYUHFTMHE4RWM1alc1MHlMQng2Mnd6RXFJdUF3Z1lFQzN3UdIBmgFBVV95cUxPU1F3a05MYmxoY2NEbFFuZWZ5SGZyLTFjcTJGalR1ekhBVzJQNVJVaHJpZlBLZk5Jc1dib0ExOVBWYnd1ZGRJb2FiX2ROejJiYlVUQlJ1S2lCSnJNcjhFdVhiOTdsVVU0VGJxN2FwRTE1ZWpBQXdzaGtXVFdtYm9Fc3k5LUE3dE4zRjVwSzNmYTN5N29tZHJadHZ3?oc=5) · Baton Rouge Business Report
- 2026-01-05 [Business First Bancshares, Inc. Completes Acquisition of Progressive Bank - GlobeNewswire](https://news.google.com/rss/articles/CBMi2wFBVV95cUxONGRZRU5fY3prQ2psZkJXLTVNT3V2VnlkWTJKaU1URm1XYy1wYnBLdXRjMnpuSWNKLW5pcVc3VGFzSzRwTEVPM2hOUmNoVkhlNUxINmlsRE51d0R6ak1GRGZrVlNBenh2MlZ6SjR6VDJTLVlyUm5LRTBQTkJ1RUg4UjlZQ3RDNDhMejZwUUxzcHZnaV94UU1ranAxU0FOMVk0SlBVMWRqWGFzeGc3a192bmlNWHRZYWpLbmJSZXdtYmN1bkZMUGMtNjZCczRhaGIxcWRwTFdzNWJOQlE?oc=5) · GlobeNewswire
- 2026-06-01 [B1Bank, Progressive Bank claim merger will strengthen banking in north Louisiana - knoe.com](https://news.google.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?oc=5) · knoe.com
- 2025-07-08 [B1Bank announces merger with Progressive Bank - KTVE – myarklamiss.com – Your ArkLaMiss News Source](https://news.google.com/rss/articles/CBMihwFBVV95cUxNNTI1MlJHclFmbXMtWlBkTDljUUJySDZYcFlGQkFuX0pTeVpEVUZya29TQ2NoY1M5LW5UX01aeDF3LUJUSUsxa0U5emI3R3g1ZmlBVEJ6Q1B2VHI0VGphMDY1YUtvSmRVZHZ4bXBnR3U0STdURzVKVzQ5N2VhT3EyM0cxeWhNOVnSAYwBQVVfeXFMUFgxa2dCM2U1aU42M3ptSnFpTnA5TG92WHhXaWpkQjkyQ2Y5YUFXRG5sMWNiX3RGT0xFX1dESjhPTkRiT3A5N0ZnbXNNVlRkR1B1cU1kVlRRcVVmNi16TTVXZUswZTJfSi0wRFdXRGFSb3VoNGo1STZvYmtrRkttUUR2NWNTQ1RoTl9aTFM?oc=5) · KTVE – myarklamiss.com – Your ArkLaMiss News Source
- 2025-12-15 [Two Shreveport area banks have name changes in their future. Is one of them yours? - The Shreveport-Bossier City Advocate](https://news.google.com/rss/articles/CBMi5wFBVV95cUxOSWNrbEhGQmRLUHJBakw5UmRoWmpHUGhsY3B2UHBDMDh6WWFuOGZqeWloWFVsWm9qQ1U1UUZiSmFsM0JFV25TLXFGbWFPd0liTEhUeTJqUHRlQ3gyc3FHZFNQeG95ZXFVMTZrMHF6NkF1S1FLd1lDUkZHTGE1ekthNzJEMUQ0Wmpwd1N5LV9UeTVhTzJoSEFJLWJvMTZMa3g4MDVIdmxpQnJrYlh3ejF0MGhHRUw3UW01b19ockRxYTZ5eFBvUGdVeloxbFpWWG0za2VnZEs3TG9WVU9ZNEY1ZXZhRWtkR1k?oc=5) · The Shreveport-Bossier City Advocate
- 2015-09-23 [Progressive Bank establishes ULM endowed professorship - University of Louisiana at Monroe](https://news.google.com/rss/articles/CBMilAFBVV95cUxQcndMbFhBTHdmbU1SdjM0WVFWeGl6WTJIbjRfQ0NsaC1aUGdONm16VG1ZbGlfZjZ2bEVESXVNMzg1Mkhsbmx2WWZnOVNBeTRZdFEwS2pPRWVmTWNVMGExaFdYeTFKOEN0bzNPbUZxQWIyR0cxOWVTZ1gyd3k5ZFlGcjJ6TE5oSGczeVNRQzJLazZGVG8x?oc=5) · University of Louisiana at Monroe

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22139 (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/59.json (key "22139", 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