BanksCROSSROADS BANK

CROSSROADS BANK

YOAKUM, TXSmallEst. Jan. 1, 1931, midnightFDIC #10709RSSD #564463FDIC
Latest · 2025-12-31

CROSSROADS BANK is an 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%. CET1 capital ratio: 8.07%. NPL ratio: 2.32% · Texas Ratio: 16.55%. Operates 4 domestic branches.

Assets
$381M
Deposits
$348M
Loans
$209M
Equity
$31M

Profitability

Return on Assets (ROA)1.62%
Return on Equity (ROE)20.02%
Net Interest Margin4.20%
Yield on Assets5.95%
Cost of Funds1.76%

Asset Quality

NPL Ratio2.32%
Net Charge-Off Ratio0.17%
Texas Ratio16.55%
NPA Ratio1.44%
ACL / Loans1.17%

Capital & Liquidity

CET1 Ratio8.07%
Tier 1 Capital8.07%
Total Capital Ratio8.47%
Leverage Ratio10.74%
Loan-to-Deposit60.19%

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