| Metric | Crossroads Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.5% | +4.4% | +4.1 pts |
| Deposit growth (YoY) | +6.8% | +4.0% | +2.8 pts |
| Loan growth (YoY) | +4.0% | +5.6% | -1.6 pts |
| ROA | 2.56% | 1.24% | +1.3 pts |
| ROE | 30.3% | 11.9% | +18.4 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $380.7M | $345.4M | $210.3M | $33.4M | $4.9M | 2.56% | 4.20% | 1.38% |
| Q1 2026 | $381.2M | $347.1M | $208.2M | $32.3M | $2.4M | 2.47% | 4.14% | 1.35% |
| Q4 2025 | $381.0M | $348.0M | $207.0M | $30.7M | $7.1M | 2.00% | 4.10% | 1.44% |
| Q3 2025 | $370.9M | $339.1M | $204.8M | $30.0M | $5.6M | 2.13% | 4.08% | 1.46% |
| Q2 2025 | $350.9M | $323.5M | $202.3M | $25.5M | $3.5M | 2.05% | 4.04% | 1.49% |
| Q1 2025 | $340.5M | $314.4M | $201.3M | $24.3M | $1.5M | 1.82% | 4.01% | 1.54% |
| Q4 2024 | $332.9M | $309.2M | $199.3M | $21.4M | $5.7M | 1.75% | 3.91% | 1.70% |
| Q3 2024 | $336.1M | $308.9M | $194.6M | $25.2M | $4.5M | 1.84% | 3.83% | 1.70% |
Loan mix (Q2 2026): real estate $147.0M · commercial $39.5M · consumer $20.1M · securities $136.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Crossroads Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.56% | 1.24% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 30.3% | 11.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.7% | 62.9% | 6th |
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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