Crossroads Bank (Effingham, IL)
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Data as of · sourced from FFIEC call reports. How we update
Crossroads Bank is an FDIC-insured commercial bank headquartered in Effingham, IL, established in 1974 (FDIC certificate 21486), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $234.7M, up 6.6% from Q2 2025, the 175th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.97% 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
- 21486
- Headquarters
- Effingham, IL
- Established
- 1974
- Total assets, Q2 2026
- $234.7M
- Assets vs Q2 2025
- +6.6%
- Tier 1 leverage ratio, Q2 2026
- 15.97%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 081224122
- Holding company
- OMNI BANCORP, INC.
- Asset rank in state
- 175th of 319 in Illinois
Crossroads Bank runs leaner than most banks of its size. Its balance sheet stood at $235 million at June 30, 2026, up 6.6% from a year earlier; it is based in Effingham, Illinois. It spends about 44 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). It also shrank its loan book 3.6% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Loans and deposits moved in opposite directions: over the year loans fell 3.6% and deposits rose 5.7%. Delinquency has appeared in its $50 million non-owner-occupied commercial real estate book: 1.99% of those loans are past due or on nonaccrual, against almost none a year earlier. Its margin is thin by comparison: it keeps 3.25 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Crossroads Bank reported a return on assets of 1.29%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 0.25%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Crossroads Bank is the 175th largest of the 319 banks headquartered in Illinois. From Q1 2026 to Q2 2026, its total assets fell 2.1% to $234.7M, loans rose 1.0% and deposits fell 3.0%. Non-owner-occupied commercial real estate loans made up 35.4% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 21.4%. The FDIC Summary of Deposits lists 2 offices for it, in Effingham, IL. By the capital ratios in its Q2 2026 call report, Crossroads Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2000 S Banker St, Effingham, IL 62401
- County
- Effingham
- Metro Area
- Effingham, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 12, 1974
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $195.0M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $0
- Average total assets
- $238.2M
- Average total loans
- $142.1M
- Average interest-bearing deposits
- $169.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 12, 1974
- FDIC Cert
- 21486
- Fed RSSD
- 158741
- Website
- www.crossroadsbank.com →
- Parent Holding Company
- OMNI BANCORP, INC. (RSSD 1139859)
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, Crossroads Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Crossroads Bank's total assets ranged from $206.8M (Q3 2023) to $239.8M (Q1 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
$234.7M total assets against $220.2M; $201.7M total liabilities against $190.9M.
$140.1M net loans and leases against $145.4M; $195.0M total deposits against $184.4M.
$56.1M securities against $52.3M; $28.9M cash and balances due against $12.6M.
$2.8M total interest income against $2.4M; $938K total interest expense against $842K.
$1.9M net interest income against $1.6M.
$179K total noninterest income against $192K; $909K total noninterest expense against $876K.
$66K provision for credit losses against $88K.
$768K net income against $607K.
1.29% return on assets against 1.12%; 3.25% net interest margin against 2.99%.
15.97% tier 1 leverage ratio against 16.54%.
Inside the full Crossroads Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCrossroads Bank rankings
Its closest position to the top of a national ranking is 358 of 3,606, for efficiency ratio; its furthest is 3,121 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.97% (Q1 2025) to 1.48% (Q1 2026) and its net interest margin ran from 2.63% (Q3 2024) to 3.25% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.97% | 1.29% | 0.06% | 0.25% | 3.25% |
| Q1 2026 | 15.75% | 1.48% | 0.04% | 0.18% | 3.09% |
| Q4 2025 | 15.63% | 1.27% | 0.00% | 0.00% | 3.02% |
| Q3 2025 | 16.39% | 1.07% | 0.00% | 0.00% | 3.08% |
| Q2 2025 | 16.54% | 1.12% | 0.00% | 0.00% | 2.99% |
| Q1 2025 | 16.09% | 0.97% | 0.00% | 0.00% | 2.75% |
| Q4 2024 | 15.51% | 1.03% | 0.00% | 0.00% | 2.65% |
| Q3 2024 | 15.73% | 1.07% | 0.00% | 0.00% | 2.63% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Crossroads Bank (main office) | Effingham , IL | 62401 | $124.2M |
| Keller Drive Facility | Effingham , IL | 62401 | $70.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 211 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Crossroads Bank
What are Crossroads Bank's total assets?
As of the Q2 2026 filing, Crossroads Bank reported total assets of $234.7 million in its FFIEC call report.
Where is Crossroads Bank headquartered?
It is headquartered in Effingham, IL, United States.
When was Crossroads Bank founded?
It was established in 1974, per the FDIC institution directory.
Is Crossroads Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #21486). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Crossroads Bank?
Crossroads Bank's primary federal regulator is the FDIC.
How many branches does Crossroads Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Crossroads Bank's Texas Ratio?
Its Texas Ratio is 0.25% 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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