Citizens Progressive Bank
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Data as of · sourced from FFIEC call reports. How we update
Citizens Progressive Bank is an FDIC-insured commercial bank headquartered in Winnsboro, LA, established in 1918 (FDIC certificate 10531), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $243.3M, down 11.8% from Q2 2025, the 69th largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.31% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10531
- Headquarters
- Winnsboro, LA
- Established
- 1918
- Total assets, Q2 2026
- $243.3M
- Assets vs Q2 2025
- -11.8%
- Tier 1 leverage ratio, Q2 2026
- 11.31%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 111103362
- Holding company
- CALDWELL HOLDING COMPANY
- Asset rank in state
- 69th of 102 in Louisiana
Problem loans are rising at Citizens Progressive Bank. The Winnsboro, Louisiana bank had $243 million in assets at June 30, 2026, down 11.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.98% of loans from 3.28% a year earlier. It earns about $0.42 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 86 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $253,000 was 54% below a year earlier. Its $20 million non-owner-occupied commercial real estate book is now fully current, after 1.81% of it was past due or on nonaccrual a year earlier. Credit is the area to watch: it carries problem assets equal to 26.4% of the capital and reserves that would absorb them, 10.0 times the median of 2.6% for banks its size.
As of June 30, 2026, Citizens Progressive Bank reported a return on assets of 0.42%, a nonperforming-loan ratio of 4.51% and a Texas ratio of 26.37%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens Progressive Bank is the 69th largest of the 102 banks headquartered in Louisiana. From Q1 2026 to Q2 2026, its total assets fell 2.7% to $243.3M, loans fell 1.4% and deposits fell 3.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 27.9% of total loans, followed by farmland and other real estate loans at 20.5%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in LA; its Columbia office books 48% of its branch deposits. By the capital ratios in its Q2 2026 call report, Citizens Progressive Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 3540 Front St, Winnsboro, LA 71295
- County
- Franklin
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1918
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 67
- Domestic deposits
- $209.8M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $106K
- Average total assets
- $243.8M
- Average total loans
- $187.5M
- Average interest-bearing deposits
- $181.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10531
- Fed RSSD
- 732253
- SEC CIK
- 1466295 → filed by CALDWELL HOLDING COMPANY
- Website
- cpbonline.com →
- Parent Holding Company
- CALDWELL HOLDING COMPANY (RSSD 1108985)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Citizens Progressive Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Citizens Progressive Bank's total assets moved between a low of $243.3M (Q2 2026) and a high of $300.9M (Q2 2024) from Q3 2023 to Q2 2026, and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$243.3M total assets against $275.9M; $212.0M total liabilities against $245.6M.
$184.7M net loans and leases against $218.4M; $209.8M total deposits against $243.2M.
$8.5M securities against $10.4M; $29.0M cash and balances due against $22.2M.
$4.0M total interest income against $4.8M; $1.4M total interest expense against $2.0M.
$2.6M net interest income against $2.8M.
$616K total noninterest income against $569K; $2.8M total noninterest expense against $2.9M.
$165K provision for credit losses against $90K.
$253K net income against $554K.
0.42% return on assets against 0.79%; 4.68% net interest margin against 4.43%.
11.31% tier 1 leverage ratio against 9.60%.
Inside the full Citizens Progressive Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Citizens Progressive Bank rankings
Its closest position to the top of a national ranking is 88 of 3,640, for Texas Ratio; its furthest is 3,403 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.31% (Q4 2025) to 0.79% (Q2 2025) and its net interest margin ran from 3.72% (Q4 2025) to 4.68% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.31% | 0.42% | 4.51% | 26.37% | 4.68% |
| Q1 2026 | 10.84% | 0.56% | 3.75% | 21.78% | 4.08% |
| Q4 2025 | 10.12% | -0.31% | 3.99% | 23.15% | 3.72% |
| Q3 2025 | 10.06% | 0.79% | 1.58% | 13.25% | 4.48% |
| Q2 2025 | 9.60% | 0.79% | 3.28% | 27.79% | 4.43% |
| Q1 2025 | 9.30% | 0.58% | 3.75% | 32.56% | 4.25% |
| Q4 2024 | 8.99% | -0.11% | 2.83% | 24.64% | 3.98% |
| Q3 2024 | 9.50% | 0.68% | 2.08% | 18.30% | 3.75% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Columbia Branch | Columbia , LA | 71418 | $100.2M |
| Rayville Branch | Rayville , LA | 71269 | $52.8M |
| Citizens Progressive Bank (main office) | Winnsboro , LA | 71295 | $41.7M |
| Citizens Progressive Bank Branch | Monroe , LA | 71203 | $11.7M |
| Grayson Office | Grayson , LA | 71435 | $3.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in LA, rank 76 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 214 applications, 190 loans originated, $43.7M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $40K approved, $40K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Citizens Progressive Bank
What are Citizens Progressive Bank's total assets?
As of the Q2 2026 filing, Citizens Progressive Bank reported total assets of $243.3 million in its FFIEC call report.
Where is Citizens Progressive Bank headquartered?
It is headquartered in Winnsboro, LA, United States.
When was Citizens Progressive Bank founded?
It was established in 1918, per the FDIC institution directory.
Is Citizens Progressive Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10531). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Progressive Bank?
Citizens Progressive Bank's primary federal regulator is the FDIC.
How many branches does Citizens Progressive Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Progressive Bank's Texas Ratio?
Its Texas Ratio is 26.37% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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