Bank Comparison
Crossroads Bank vs Nbt Financial Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 13
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Crossroads Bank | Nbt Financial Bank |
|---|---|---|
| CET1 Ratio | 13.13% | 14.02% |
| Tier 1 Capital Ratio | 13.13% | 14.02% |
| Total Capital Ratio | 14.38% | 15.28% |
| Tier 1 Leverage Ratio | 9.69% | 10.79% |
| Equity / Assets | 8.43% | 10.53% |
Profitability
| Metric | Crossroads Bank | Nbt Financial Bank |
|---|---|---|
| Return on Assets (ROA) | 1.11% | 1.49% |
| Return on Equity (ROE) | 13.24% | 14.07% |
| Net Interest Margin (NIM) | 3.47% | 4.30% |
| Yield on Earning Assets | 5.16% | 6.30% |
| Cost of Funds | 1.80% | 2.14% |
Asset quality
| Metric | Crossroads Bank | Nbt Financial Bank |
|---|---|---|
| Texas Ratio | 13.05% | 14.85% |
| Non-Performing Loan Ratio | 1.61% | 2.23% |
| Non-Performing Asset Ratio | 1.21% | 1.67% |
| Net Charge-Off Ratio | 0.00% | 0.04% |
| ACL / Loans | 1.32% | 1.35% |
Balance sheet
| Metric | Crossroads Bank | Nbt Financial Bank |
|---|---|---|
| Total Assets | $597,966K | $598,478K |
| Total Deposits | $533,357K | $521,801K |
| Total Loans | $449,984K | $449,614K |
| Total Equity | $50,433K | $62,999K |
| Net Income (quarter) | $1,663K | $2,192K |
Liquidity & funding
| Metric | Crossroads Bank | Nbt Financial Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.37% | 86.17% |
| Core Deposit Ratio | 93.85% | 79.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Crossroads Bank | Nbt Financial Bank |
|---|---|---|
| Headquarters City | WABASH | FORT WORTH |
| Headquarters State | IN | TX |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 7 | 6 |
| Employees (FTE) | 98 | 77 |
| Established | Jan. 1, 1920, midnight | Nov. 29, 1973, 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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