CROSSROADS BANK

YOAKUM, TX | Small | Est. Jan. 1, 1931, midnight | FDIC #10709 | RSSD #564463 | FDIC
Latest Report: 2025-12-31

CROSSROADS BANK is asn small FDIC-insured commercial bank headquartered in YOAKUM, TX, established in Jan. 1, 1931, midnight. As of 2025-12-31, the bank reported total assets of $381M and total deposits of $348M. Profitability stands at 1.62% ROA and 20.02% ROE, with a net interest margin of 4.20%. The bank's CET1 capital ratio is 8.07%. Asset quality metrics show a non-performing loan ratio of 2.32% and a Texas Ratio of 16.55%. FDIC Certificate #10709.

Assets

$381M

Deposits

$348M

Loans

$209M

Equity

$31M

Profitability

Return on Assets (ROA) 1.62%
Return on Equity (ROE) 20.02%
Net Interest Margin (NIM) 4.20%
Yield on Assets 5.95%
Cost of Funds 1.76%

Asset Quality

NPL Ratio 2.32%
Net Charge-Off Ratio 0.17%
Texas Ratio 16.55%
NPA Ratio 1.44%
ACL / Loans 1.17%

Capital & Liquidity

CET1 Ratio 8.07%
Tier 1 Capital 8.07%
Total Capital Ratio 8.47%
Leverage Ratio 10.74%
Loan-to-Deposit 60.19%

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