Bank Comparison
Bank of Cleveland vs Crossroads Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 3
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Bank of Cleveland | Crossroads Bank |
|---|---|---|
| CET1 Ratio | 22.22% | — |
| Tier 1 Capital Ratio | 22.22% | — |
| Total Capital Ratio | 23.31% | — |
| Tier 1 Leverage Ratio | 18.15% | 11.11% |
| Equity / Assets | 24.40% | 8.46% |
Profitability
| Metric | Bank of Cleveland | Crossroads Bank |
|---|---|---|
| Return on Assets (ROA) | 2.89% | 2.49% |
| Return on Equity (ROE) | 12.06% | 29.89% |
| Net Interest Margin (NIM) | 6.87% | 4.11% |
| Yield on Earning Assets | 8.08% | 5.66% |
| Cost of Funds | 1.39% | 1.63% |
Asset quality
| Metric | Bank of Cleveland | Crossroads Bank |
|---|---|---|
| Texas Ratio | 0.00% | 14.86% |
| Non-Performing Loan Ratio | 0.00% | 2.27% |
| Non-Performing Asset Ratio | 0.00% | 1.35% |
| Net Charge-Off Ratio | 0.00% | 0.19% |
| ACL / Loans | 1.08% | 1.16% |
Balance sheet
| Metric | Bank of Cleveland | Crossroads Bank |
|---|---|---|
| Total Assets | $381,174K | $381,174K |
| Total Deposits | $282,118K | $347,118K |
| Total Loans | $287,562K | $210,658K |
| Total Equity | $93,018K | $32,259K |
| Net Income (quarter) | $2,762K | $2,354K |
Liquidity & funding
| Metric | Bank of Cleveland | Crossroads Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 101.93% | 60.69% |
| Core Deposit Ratio | 93.36% | 88.68% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Cleveland | Crossroads Bank |
|---|---|---|
| Headquarters City | Cleveland | YOAKUM |
| Headquarters State | TN | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 4 |
| Employees (FTE) | 54 | 50 |
| Established | May 8, 1987, midnight | Jan. 1, 1931, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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