| Metric | Crossroads Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +4.4% | +2.3 pts |
| Deposit growth (YoY) | +5.7% | +4.0% | +1.8 pts |
| Loan growth (YoY) | -3.6% | +5.6% | -9.2 pts |
| ROA | 1.39% | 1.24% | +0.2 pts |
| ROE | 10.2% | 11.9% | -1.6 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $234.7M | $195.0M | $140.1M | $33.0M | $1.6M | 1.39% | 3.21% | 0.04% |
| Q1 2026 | $239.8M | $200.9M | $138.8M | $31.9M | $882K | 1.48% | 3.10% | 0.02% |
| Q4 2025 | $237.2M | $198.8M | $149.9M | $31.8M | $2.5M | 1.11% | 3.00% | 0.00% |
| Q3 2025 | $226.2M | $188.5M | $154.7M | $31.1M | $1.7M | 1.05% | 2.99% | 0.00% |
| Q2 2025 | $220.2M | $184.4M | $145.4M | $29.3M | $1.1M | 1.04% | 2.92% | 0.00% |
| Q1 2025 | $218.3M | $186.4M | $135.7M | $29.0M | $530K | 0.97% | 2.80% | 0.00% |
| Q4 2024 | $218.9M | $187.9M | $138.3M | $28.2M | $2.2M | 1.01% | 2.67% | 0.00% |
| Q3 2024 | $222.2M | $187.6M | $138.3M | $29.8M | $1.7M | 1.00% | 2.64% | 0.00% |
Loan mix (Q2 2026): real estate $116.8M · commercial $23.7M · consumer $788K · securities $56.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Crossroads Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 1.24% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 11.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.0% | 62.9% | 11th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Crossroads Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Crossroads Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Crossroads Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Crossroads Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Crossroads Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2024) · $184.4M branch deposits. Biggest market: Effingham, IL, ranked 5th with 6.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Effingham, IL | 2 | $184.4M | 6.86% | 5th |
Illinois: 263rd with 0.02% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2