Cross Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 80.12 percentage points lower than in Q1 2026, at 74.09%. Within Arkansas, Cross Bank is 15th of 78 on return on assets, 1.85% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Cross Bank sits 0.59 points higher, at 1.85% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.45% |
| Equity capital to assets | 10.55% |
| Tangible equity to tangible assets | 10.15% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.47% |
| Non-performing assets ratio | 2.28% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 15.51% |
| Allowance for credit losses to loans | 1.83% |
| Reserve coverage of non-performing loans | 74.09% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.85% |
| Return on equity | 17.29% |
| Net interest margin | 4.81% |
| Efficiency ratio | 42.20% |
| Yield on earning assets | 6.85% |
| Cost of funds | 2.23% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.48% |
| Core deposits to total deposits | 62.46% |
| Brokered deposits to total deposits | 18.35% |
| Deposits to assets | 80.99% |
| Securities to assets | 15.65% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.70% | 1.90% | 4.89% | 0.83% | 0.03% |
| Q4 2023 | 10.94% | 1.44% | 5.35% | 0.90% | 0.12% |
| Q1 2024 | 11.06% | 2.25% | 5.40% | 0.56% | -0.06% |
| Q2 2024 | 10.64% | 1.70% | 5.04% | 0.43% | -0.01% |
| Q3 2024 | 10.43% | 1.86% | 4.91% | 0.55% | -0.01% |
| Q4 2024 | 9.70% | 1.46% | 4.76% | 0.45% | 0.27% |
| Q1 2025 | 9.62% | 2.02% | 4.85% | 0.43% | 0.09% |
| Q2 2025 | 9.38% | 1.72% | 4.36% | 0.91% | 0.12% |
| Q3 2025 | 9.61% | 1.69% | 4.57% | 0.89% | 0.01% |
| Q4 2025 | 9.80% | 1.50% | 4.59% | 1.27% | 0.02% |
| Q1 2026 | 10.25% | 2.00% | 4.97% | 1.11% | 0.01% |
| Q2 2026 | 10.45% | 1.85% | 4.81% | 2.47% | 0.01% |
Cross Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cross Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Cross Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13821) · FFIEC NIC profile (RSSD 989347)