First Progressive Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Non-performing loans to loans: 3.77 percentage points higher than in Q1 2026, at 3.82%. On return on assets, First Progressive Bank is 8th from the bottom among 93 Alabama banks, 0.32% (Q2 2026). First Progressive Bank's return on assets of 0.32% is well below the 1.00% median for banks in the < $100M asset tier, a gap of 0.68 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 28.01% |
| Equity capital to assets | 28.12% |
| Tangible equity to tangible assets | 28.12% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.82% |
| Non-performing assets ratio | 1.27% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.39% |
| Allowance for credit losses to loans | 2.24% |
| Reserve coverage of non-performing loans | 58.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.32% |
| Return on equity | 1.13% |
| Net interest margin | 3.32% |
| Efficiency ratio | 78.45% |
| Yield on earning assets | 3.37% |
| Cost of funds | 0.05% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 46.07% |
| Core deposits to total deposits | 94.27% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 71.86% |
| Securities to assets | 54.69% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 25.70% | 0.32% | 3.25% | 0.00% | 0.00% |
| Q4 2023 | 25.99% | 0.58% | 3.28% | 0.82% | 0.00% |
| Q1 2024 | 25.91% | 0.05% | 3.29% | 0.76% | 0.00% |
| Q2 2024 | 26.20% | 0.69% | 3.51% | 0.75% | 0.00% |
| Q3 2024 | 26.58% | 0.69% | 3.33% | 1.37% | 0.00% |
| Q4 2024 | 26.90% | 0.40% | 3.34% | 0.93% | 0.00% |
| Q1 2025 | 26.92% | -0.18% | 3.17% | 0.52% | 0.00% |
| Q2 2025 | 27.25% | 0.43% | 3.23% | 1.39% | 0.00% |
| Q3 2025 | 27.46% | 0.50% | 3.47% | 0.83% | 0.00% |
| Q4 2025 | 27.48% | 0.69% | 3.95% | 3.66% | 0.00% |
| Q1 2026 | 27.34% | -0.26% | 3.69% | 0.06% | 0.00% |
| Q2 2026 | 28.01% | 0.32% | 3.32% | 3.82% | 0.00% |
First Progressive Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Progressive Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Progressive Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22549) · FFIEC NIC profile (RSSD 177135)