Cross Bank
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Data as of · sourced from FFIEC call reports. How we update
Cross Bank is an FDIC-insured commercial bank headquartered in Wynne, AR, established in 1891 (FDIC certificate 13821), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $593.5M, up 6.5% from Q2 2025, the 34th largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.45% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13821
- Headquarters
- Wynne, AR
- Established
- 1891
- Total assets, Q2 2026
- $593.5M
- Assets vs Q2 2025
- +6.5%
- Tier 1 leverage ratio, Q2 2026
- 10.45%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 084101514
- Latest call report
- Q2 2026, FFIEC 051 · Cross Bank call report
- Holding company
- CROSS COUNTY BANCSHARES, INC.
- Asset rank in state
- 34th of 78 in Arkansas
Problem loans are rising at Cross Bank. It reported $593 million in assets at June 30, 2026, up 6.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.87% of loans from 0.45% a year earlier. It spends about 42 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it carries problem assets equal to 15.5% of the capital and reserves that would absorb them, 5.9 times the median of 2.6% for banks its size.
Delinquency has appeared in its $74 million non-owner-occupied commercial real estate book: 3.90% of those loans are past due or on nonaccrual, against almost none a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 5.3% and deposits fell 1.4%. Funding is the softer spot: it pays an average of 2.23% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Cross Bank reported a return on assets of 1.85%, a nonperforming-loan ratio of 2.47% and a Texas ratio of 15.51%. The figures come from its call report filed with the FFIEC.
Of the 78 banks headquartered in Arkansas, Cross Bank is the 34th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 5.2% to $593.5M, loans rose 4.1% and deposits fell 3.7%. Its loan book on June 30, 2026 was led by agricultural production loans, at 27.8% of total loans, followed by 1-4 family residential loans at 16.7%. Its 10 offices in the FDIC Summary of Deposits are in 9 cities in AR; its Wynne 2 offices book 65% of its branch deposits. By the capital ratios in its Q2 2026 call report, Cross Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 399 Merriman Ave E, Wynne, AR 72396
- County
- Cross
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 4, 1891
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 91
- Domestic deposits
- $480.7M
- Allowance for credit losses
- $8.8M
- Net charge-offs (YTD)
- $25K
- Average total assets
- $576.1M
- Average total loans
- $463.3M
- Average interest-bearing deposits
- $406.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 1, 1934
- FDIC Cert
- 13821
- Fed RSSD
- 989347
- Website
- http://www.mycrossbank.com →
- Parent Holding Company
- CROSS COUNTY BANCSHARES, INC. (RSSD 1131611)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Cross Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Cross Bank's total assets ran between $405.5M (Q3 2023) and $593.5M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$593.5M total assets against $557.4M; $530.9M total liabilities against $502.2M.
$469.4M net loans and leases against $447.2M; $480.7M total deposits against $487.5M.
$92.9M securities against $72.6M; $8.0M cash and balances due against $18.2M.
$9.5M total interest income against $9.1M; $2.8M total interest expense against $3.2M.
$6.6M net interest income against $5.9M.
$500K total noninterest income against $476K; $3.1M total noninterest expense against $3.0M.
$599K provision for credit losses against $246K.
$2.7M net income against $2.4M.
1.85% return on assets against 1.72%; 4.81% net interest margin against 4.36%.
10.45% tier 1 leverage ratio against 9.38%.
Inside the full Cross Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCross Bank rankings
Its closest position to the top of a national ranking is 289 of 3,640, for Texas Ratio; its furthest is 1,565 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.46% (Q4 2024) to 2.02% (Q1 2025) and its net interest margin ran from 4.36% (Q2 2025) to 4.97% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.45% | 1.85% | 2.47% | 15.51% | 4.81% |
| Q1 2026 | 10.25% | 2.00% | 1.11% | 6.60% | 4.97% |
| Q4 2025 | 9.80% | 1.50% | 1.27% | 5.96% | 4.59% |
| Q3 2025 | 9.61% | 1.69% | 0.89% | 6.94% | 4.57% |
| Q2 2025 | 9.38% | 1.72% | 0.91% | 3.65% | 4.36% |
| Q1 2025 | 9.62% | 2.02% | 0.43% | 2.72% | 4.85% |
| Q4 2024 | 9.70% | 1.46% | 0.45% | 2.80% | 4.76% |
| Q3 2024 | 10.43% | 1.86% | 0.56% | 3.55% | 4.91% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cross Bank (main office) | Wynne , AR | 72396 | $294.6M |
| Cross Bank - Hickory Ridge Branch | Hickory Ridge , AR | 72347 | $33.1M |
| Cross Bank - Manila Branch | Manila , AR | 72442 | $31.3M |
| Cross Bank, Osceola Branch | Osceola , AR | 72370 | $22.6M |
| Cross Bank - Brinkley Branch | Brinkley , AR | 72021 | $22.1M |
| Cross Bank, Blytheville Branch | Blytheville , AR | 72315 | $19.5M |
| Cross Bank - Monette Branch | Monette , AR | 72447 | $18.8M |
| Cross Bank - North Branch | Wynne , AR | 72396 | $17.9M |
| Cross Bank - Cherry Valley Branch | Cherry Valley , AR | 72324 | $11.4M |
| Cross Bank, Jonesboro Branch | Jonesboro , AR | 72401 | $9.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in AR, rank 42 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 82 applications, 74 loans originated, $12.0M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $350K approved, $350K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Cross Bank
What are Cross Bank's total assets?
As of the Q2 2026 filing, Cross Bank reported total assets of $593.5 million in its FFIEC call report.
Where is Cross Bank headquartered?
It is headquartered in Wynne, AR, United States.
When was Cross Bank founded?
It was established in 1891, per the FDIC institution directory.
Is Cross Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13821). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cross Bank?
Cross Bank's primary federal regulator is the FDIC.
How many branches does Cross Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cross Bank's Texas Ratio?
Its Texas Ratio is 15.51% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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