# FIRST PROGRESSIVE BANK
BREWTON, AL · FDIC certificate 22549 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $31.6M | |
| Deposits | $22.7M | |
| Loans and leases | $10.5M | |
| Total equity | $8.9M | |
| Loans / deposits | 45.04% (p16 of band) | 73.59% |
| Liquid assets / assets | 66.50% (p92 of band) | |
| Uninsured deposits / deposits | 56.94% (p98 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 28.01% (p94 of band) | 11.76% |
| Unrealized securities loss / equity | -10.35% (p39 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 0.02% (p7 of band) | 1.17% |
| Net interest margin | 3.51% (p29 of band) | 3.93% |
| Efficiency ratio | 80.08% (p78 of band) | |
| Noncurrent loans | 3.82% (p95 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 58.50% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 16.22% (p48 of band) | |
| Auto loans | $243,000 (2.32% of loans; DQ 13.58%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.3% | |
| Employees | 7 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 3 | uninsured deposits >50% |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 2 |  | capital falling |
| 2013-12 | 2 |  |  |
| 2014-03 | 4 | capital falling, noncurrent p90 |  |
| 2014-06 | 3 | charge-offs p90 | capital falling, noncurrent p90 |
| 2014-09 | 3 |  |  |
| 2014-12 | 2 |  | charge-offs p90 |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | reserve under noncurrent |
| 2015-12 | 2 | reserve under noncurrent |  |
| 2016-03 | 5 | capital falling, losing money, expense ratio p90 |  |
| 2016-06 | 3 |  | reserve under noncurrent, losing money |
| 2016-09 | 2 |  | capital falling |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | losing money |  |
| 2017-06 | 2 |  | losing money |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | capital falling |  |
| 2018-03 | 1 |  | expense ratio p90, capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | deposits shrinking |  |
| 2018-12 | 2 | assets shrinking | uninsured deposits >50% |
| 2019-03 | 4 | uninsured deposits >50%, losing money, reserve under noncurrent | assets shrinking |
| 2019-06 | 3 |  | deposits shrinking |
| 2019-09 | 2 |  | losing money |
| 2019-12 | 3 | noncurrent p90 |  |
| 2020-03 | 0 |  | uninsured deposits >50%, reserve under noncurrent, noncurrent p90 |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | uninsured deposits >50% |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 5 | capital falling, losing money, expense ratio p90, NIM <2.5% |  |
| 2021-06 | 5 |  |  |
| 2021-09 | 5 |  |  |
| 2021-12 | 5 |  |  |
| 2022-03 | 2 |  | capital falling, losing money, expense ratio p90 |
| 2022-06 | 4 | losing money, expense ratio p90 |  |
| 2022-09 | 5 | capital falling, securities losses >30% of equity, reserve under noncurrent | NIM <2.5%, losing money |
| 2022-12 | 2 |  | capital falling, securities losses >30% of equity, reserve under noncurrent |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 |  | expense ratio p90 |
| 2023-09 | 2 | securities losses >30% of equity |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | reserve under noncurrent |  |
| 2024-12 | 1 |  | reserve under noncurrent |
| 2025-03 | 3 | losing money, expense ratio p90 |  |
| 2025-06 | 2 | reserve under noncurrent | losing money, expense ratio p90 |
| 2025-09 | 1 |  | reserve under noncurrent |
| 2025-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2026-03 | 2 | losing money, uninsured deposits leaving | uninsured deposits >50%, noncurrent p90, reserve under noncurrent |
| 2026-06 | 3 | uninsured deposits >50%, noncurrent p90, reserve under noncurrent | losing money, uninsured deposits leaving |

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

- 2026-03-30 [Spotlight on Choctaw, Clarke, Conecuh, Escambia & Monroe Counties: Movers & Shapers - Business Alabama Magazine](https://news.google.com/rss/articles/CBMipwFBVV95cUxPSmkydnB1cFdDYzA5SmZIUTFLWnFEU2Y0QVNOWWhmVFgxSzZwcWFPLWJQY2JpUThQY3BfZHM2aTBUOUxjNFF1OHkyV1MwMjNzUXpUQXREeXM5OVQ1RHhsN2QzV19JbzY4MmpWVXZFZXJha1ZDZ3ZjTkhSbUpBNXhKZm4wMUd0WENCVHFrLUo3QVJRYldhMXNPbTN0b1RxeHRLWkZ3bWl3cw?oc=5) · Business Alabama Magazine
- 2017-05-31 [The amazing story of the greatest AAU team you've never heard of - Yahoo Sports](https://news.google.com/rss/articles/CBMikwFBVV95cUxOWHF4TDRLY0ViRDg3bE01T1c1VHVDYTNWSHVnWW9LalN5b3VJQ2lKX2YxWEcwMlNlQlZvQUVvUi1BY05ZZkZpZ2pwalJiQkstUEVMU0FnSU1MWXZHdkNUa2RLclRxYU5POEQzQW0tYzNpMG9ST2VqVkl3YlBWX2kzcEJqX1BqemVCUjVOWjQ4V096OXc?oc=5) · Yahoo Sports
- 2025-04-22 [Carolyn Jane Madden Cooper Obituary (2025) - Brewton, AL - Williams Memorial Chapel - Brewton - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOOG1xZkNJRG5kMjc3aDd5SzI0MkNHYWJ4bm9RNVNkUUhpZ1pLVUxHdmxFbHBWZVR5cVF0WFp4MDZreUNzc2ZQVzhkeVN0R0oyd1h6ZDAxTHNWTHlaYzhOMEx1ZjM4TG5RNkN6WGctT2l2WTdfd3VZVWIybjBWRkJyRUYyWklGdk1ZSzZMWg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22549 (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/21.json (key "22549", 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.

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