TellerScore

Citizens Progressive Bank (FDIC certificate #10531) is based in Winnsboro, Louisiana. Its Q2 2026 call report shows $243.3M in total assets and $209.8M in deposits and 6 offices.

Based on its Q2 2026 filing, Citizens Progressive Bank scores 40/100, which we describe as below average. That is higher than only 2% of 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 100th. Its strongest component is capital cushion (63/100; 11.31%), and its lowest is loan quality (0/100; 4.51%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Tier 1 leverage ratio: 11.31%
Loan quality0/100
Noncurrent loans ÷ total loans: 4.51%
Earnings39/100
Return on assets (annualized): 0.48%
Funding & liquidity57/100
Loans ÷ deposits and uninsured-deposit share: 88.0% · 29.0% uninsured
Problem-loan coverage48/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 25.75%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (34 → 40), mostly because the funding & liquidity component improved by 20 points.

TellerScore
334353Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202441
Q3 202443
Q4 202433
Q1 202533
Q2 202534
Q3 202553
Q4 202537
Q1 202640
Q2 202640
Tier 1 leverage ratio
5.00%8.15%11.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.69%
Q3 20249.50%
Q4 20248.99%
Q1 20259.30%
Q2 20259.60%
Q3 202510.06%
Q4 202510.12%
Q1 202610.84%
Q2 202611.31%
Noncurrent loans
1.58%3.04%4.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.19%
Q3 20242.08%
Q4 20242.83%
Q1 20253.75%
Q2 20253.28%
Q3 20251.58%
Q4 20253.99%
Q1 20263.75%
Q2 20264.51%
Return on assets
0.37%0.55%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.48%
Q3 20240.54%
Q4 20240.37%
Q1 20250.58%
Q2 20250.69%
Q3 20250.72%
Q4 20250.47%
Q1 20260.55%
Q2 20260.48%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202640$243.3M11.31%4.51%0.48%88.0%
Q1 202640$250.0M10.84%3.75%0.55%86.3%
Q4 202537$255.2M10.12%3.99%0.47%84.5%
Q3 202553$270.7M10.06%1.58%0.72%85.3%
Q2 202534$275.9M9.60%3.28%0.69%89.8%
Q1 202533$282.3M9.30%3.75%0.58%90.1%
Q4 202433$284.3M8.99%2.83%0.37%88.0%
Q3 202443$299.2M9.50%2.08%0.54%86.6%
Q2 202441$300.9M9.69%2.19%0.48%87.1%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.31%
55th
Total risk-based capital0.00%
24th
Problem loans4.51%
3rd
Net charge-offs0.11%
18th
Return on assets0.48%
12th
Net interest margin4.40%
75th
Efficiency ratio84.5%
9th
Loans to deposits88.0%
31st
Uninsured deposits29.0%
31st
Loan-loss reserves1.05%
32nd
Texas ratio25.8%
3rd

Similar-size banks in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of Abbeville & Trust CompanyBank Abbeville, LA62 out of 100, Moderate$245.5M12.9%2.49%vs
Currency BankBank Baton Rouge, LA86 out of 100, Very strong$248.5M13.4%0.14%vs
First National Bank USABank Boutte, LA89 out of 100, Very strong$249.1M14.1%0.03%vs
Anthem Bank & TrustBank Plaquemine, LA70 out of 100, Strong$250.1M29.9%1.16%vs
Hibernia BankBank New Orleans, LA55 out of 100, Moderate$256.6M11.5%1.37%vs
Landmark BankBank Clinton, LA54 out of 100, Below average$229.8M11.5%1.91%vs

Deposit insurance

Is my money safe at Citizens Progressive Bank?

Yes. Citizens Progressive Bank is an FDIC-insured institution (FDIC certificate #10531). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.0% of deposits ($60.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.31%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Citizens Progressive Bank lists 5 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Citizens Progressive Bank reported 214 home-loan applications under HMDA (LEI 549300S0KM4FY7WGCT56): 190 originated ($43,720,000 total), 4 denied, and 15 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Citizens Progressive Bank
Type
State-chartered bank
FDIC certificate #
10531
RSSD ID
732253
Primary regulator
FDIC
Holding company
Caldwell Holding Co
Established
January 1, 1918
Headquarters
3540 Front St, Winnsboro, LA 71295
Employees
67

Quick answers

Citizens Progressive Bank: common questions

Is Citizens Progressive Bank FDIC insured?

Yes. Citizens Progressive Bank is an FDIC-insured institution (FDIC certificate #10531). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Citizens Progressive Bank's TellerScore?

40 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Citizens Progressive Bank ever failed?

There is no failure record for FDIC certificate #10531 in the FDIC failed bank list.

How many branches does Citizens Progressive Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Winnsboro

InstitutionScoreAssetsCapitalProblem loansCompare
Sicily Island State BankBank Sicily Island, LA86 out of 100, Very strong$92.4M13.2%0.13%vs
District 58 Federal Credit UnionCredit union Chase, LA80 out of 100, Strong$6.1M16.2%0.48%vs
Franklin State Bank & Trust CompanyBank Winnsboro, LA75 out of 100, Strong$224.7M10.0%0.76%vs
Richland Parish Schools Federal Credit UnionCredit union Rayville, LA74 out of 100, Strong$619K29.6%6.18%vs
Planters Bank & Trust CompanyBank Indianola, MS71 out of 100, Strong$2.7B11.2%0.61%vs
Winnsboro State Bank & Trust CompanyBank Winnsboro, LA68 out of 100, Moderate$425.7M10.9%0.94%vs