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Citizens Progressive Bank

IDRSSD: 732253
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 2 alerts active.

Summary

RSSD 732253 held $250.0M in total assets as of 2026-03-31 (-2.2% quarter-over-quarter). Total loans stood at $187.3M (-0.6% QoQ) and total deposits at $217.1M (-2.5% QoQ).

Overall position is weak — the composite Health Score is 28/100 (Weak). Tier 1 capital data is unavailable for this period. Asset quality (NPL ratio) sits in the bottom decile of peers.

2 Quarterly Anomaly Alerts fired this quarter, including 1 critical-severity row. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
28/100
Weak
Active Alerts
2
1 critical, 1 warning
Total Assets
$250.0M
-2.2% QoQ
Total Loans
$187.3M
-0.6% QoQ
Total Deposits
$217.1M
-2.5% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
—
data pending↑ better
CET1 / RWA
0.00%
26th pctile · n=500↑ better
Total RBC / RWA
—
data pending↑ better
Tier 1 Leverage Ratio
0.00%
26th pctile · n=500↑ better

Liquidity

Cash / Assets
12.65%
78th pctile · n=500↑ better
-95 bp QoQ
Loans / Deposits
86.28%
68th pctile · n=492↓ better
+166 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
3.75%
96th pctile · n=500↓ better
+59 bp QoQ
NPA / Assets
2.87%
97th pctile · n=500↓ better
+47 bp QoQ
Texas Ratio (regulatory)
25.00%
97th pctile · n=500↓ better
+334 bp QoQ
Net Charge-Offs / Avg Loans
0.02%
70th pctile · n=500↓ better
-107 bp QoQ
ALLL Coverage of NPL
26.60%
23th pctile · n=500↑ better
+154 bp QoQ

Earnings

Net Interest Margin
4.14%
64th pctile · n=500↑ better
-17 bp QoQ
Return on Assets
0.55%
12th pctile · n=500↑ better
+16 bp QoQ
Return on Equity
4.53%
12th pctile · n=500↑ better
+124 bp QoQ
Efficiency Ratio
81.92%
89th pctile · n=500↓ better
+277 bp QoQ
Pre-tax NOI / Avg Assets
0.55%
10th pctile · n=500↑ better
+16 bp QoQ

Funding

Brokered / Deposits
9.28%
87th pctile · n=492↓ better
-168 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.00%
27th pctile · n=500↓ better

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
4.14%
11th pctile · n=500↑ better
+1 bp QoQ
AFS Securities / Assets
3.59%
17th pctile · n=500↑ better
-0 bp QoQ
HTM Securities / Assets
0.56%
79th pctile · n=500↑ better
+1 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-12 01:22:29 UTC