CROSS KEYS BANK

SAINT JOSEPH, LA | Medium | RSSD #755252
Latest Report: 2025-12-31

CROSS KEYS BANK is amn medium FDIC-insured commercial bank headquartered in SAINT JOSEPH, LA. As of 2025-12-31, the bank reported total assets of $627M and total deposits of $509M. Profitability stands at 1.10% ROA and 9.33% ROE, with a net interest margin of 3.72%. The bank's CET1 capital ratio is 16.27%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.72% and a Texas Ratio of 4.54%.

Assets

$627M

Deposits

$509M

Loans

$422M

Equity

$75M

Profitability

Return on Assets (ROA) 1.10%
Return on Equity (ROE) 9.33%
Net Interest Margin (NIM) 3.72%
Yield on Assets 5.91%
Cost of Funds 2.35%

Asset Quality

NPL Ratio 0.72%
Net Charge-Off Ratio 0.01%
Texas Ratio 4.54%
NPA Ratio 0.57%
ACL / Loans 0.75%

Capital & Liquidity

CET1 Ratio 16.27%
Tier 1 Capital 16.27%
Total Capital Ratio 16.91%
Leverage Ratio 13.49%
Loan-to-Deposit 82.90%

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