CROSSROADS BANK

WABASH, IN | Medium | Est. Jan. 1, 1920, midnight | FDIC #29839 | RSSD #228279 | FDIC
Latest Report: 2025-12-31

CROSSROADS BANK is amn medium FDIC-insured commercial bank headquartered in WABASH, IN, established in Jan. 1, 1920, midnight. As of 2025-12-31, the bank reported total assets of $587M and total deposits of $517M. Profitability stands at 1.11% ROA and 13.10% ROE, with a net interest margin of 3.51%. The bank's CET1 capital ratio is 13.89%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.54% and a Texas Ratio of 12.17%. FDIC Certificate #29839.

Assets

$587M

Deposits

$517M

Loans

$442M

Equity

$50M

Profitability

Return on Assets (ROA) 1.11%
Return on Equity (ROE) 13.10%
Net Interest Margin (NIM) 3.51%
Yield on Assets 5.43%
Cost of Funds 1.94%

Asset Quality

NPL Ratio 1.54%
Net Charge-Off Ratio 0.00%
Texas Ratio 12.17%
NPA Ratio 1.16%
ACL / Loans 1.33%

Capital & Liquidity

CET1 Ratio 13.89%
Tier 1 Capital 13.89%
Total Capital Ratio 15.14%
Leverage Ratio 9.64%
Loan-to-Deposit 85.43%

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