CROSS BANK

WYNNE, AR | Medium | Est. June 4, 1891, midnight | FDIC #13821 | RSSD #989347 | FDIC
Latest Report: 2025-12-31

CROSS BANK is amn medium FDIC-insured commercial bank headquartered in WYNNE, AR, established in June 4, 1891, midnight. As of 2025-12-31, the bank reported total assets of $568M and total deposits of $479M. Profitability stands at 1.50% ROA and 14.77% ROE, with a net interest margin of 4.80%. The bank's CET1 capital ratio is 9.50%. Asset quality metrics show a non-performing loan ratio of 1.27% and a Texas Ratio of 8.83%. FDIC Certificate #13821.

Assets

$568M

Deposits

$479M

Loans

$451M

Equity

$59M

Profitability

Return on Assets (ROA) 1.50%
Return on Equity (ROE) 14.77%
Net Interest Margin (NIM) 4.80%
Yield on Assets 7.27%
Cost of Funds 2.55%

Asset Quality

NPL Ratio 1.27%
Net Charge-Off Ratio 0.06%
Texas Ratio 8.83%
NPA Ratio 1.03%
ACL / Loans 1.71%

Capital & Liquidity

CET1 Ratio 9.50%
Tier 1 Capital 9.50%
Total Capital Ratio 9.97%
Leverage Ratio 9.80%
Loan-to-Deposit 94.10%

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