| Metric | Crossroads Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +4.9% | +2.8 pts |
| Deposit growth (YoY) | +7.2% | +4.3% | +2.8 pts |
| Loan growth (YoY) | +6.4% | +5.3% | +1.0 pts |
| ROA | 1.13% | 1.28% | -0.1 pts |
| ROE | 13.3% | 12.4% | +0.9 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $616.1M | $548.8M | $450.2M | $52.5M | $3.4M | 1.13% | 3.45% | 1.05% |
| Q1 2026 | $598.0M | $533.4M | $444.0M | $50.4M | $1.7M | 1.12% | 3.41% | 1.09% |
| Q4 2025 | $586.7M | $517.2M | $436.0M | $50.1M | $5.9M | 1.03% | 3.32% | 1.16% |
| Q3 2025 | $574.2M | $490.4M | $425.8M | $48.0M | $4.3M | 1.00% | 3.28% | 1.29% |
| Q2 2025 | $572.3M | $512.1M | $423.1M | $45.7M | $2.8M | 0.98% | 3.20% | 1.42% |
| Q1 2025 | $573.0M | $506.9M | $422.2M | $45.7M | $1.4M | 0.95% | 3.09% | 1.52% |
| Q4 2024 | $580.3M | $532.3M | $422.5M | $44.5M | $4.7M | 0.83% | 2.85% | 1.51% |
| Q3 2024 | $577.9M | $528.6M | $418.8M | $45.5M | $3.3M | 0.77% | 2.80% | 0.70% |
Loan mix (Q2 2026): real estate $347.6M · commercial $36.7M · consumer $10.4M · securities $101.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Crossroads Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 1.28% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 12.4% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.8% | 61.2% | 64th |
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 |
|---|---|---|---|---|
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% |
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