Crossroads Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Crossroads Bank of Effingham, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.29% | 1.34% | -0.05% | 52nd above |
| ROAE | 9.46% | 13.32% | -3.86% | 33rd below |
| Net Interest Margin | 3.25% | 3.93% | -0.68% | 18th bottom |
| Efficiency Ratio | 43.63% | 61.14% | -17.51% | 91st top |
| PPNR / Avg Assets | 1.89% | 1.68% | +0.21% | 67th above |
| Yield on Earning Assets | 4.85% | 5.67% | -0.82% | 18th bottom |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.84% | 1.88% | -0.04% | 47th below |
| Net Interest Spread | 2.69% | 3.32% | -0.63% | 20th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 0.94% | -0.88% | 77th top |
| NPA / Total Assets | 0.04% | 0.70% | -0.66% | 79th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.04% | 1.28% | -0.24% | 30th below |
| ACL / NPLs (Coverage) | 1665.91% | 1538.64% | +127.27% | — |
| Texas Ratio | 0.25% | 7.33% | -7.08% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.97% | 12.14% | +3.83% | 90th top |
| Equity / Assets | 14.08% | 11.37% | +2.71% | 85th top |
| TCE / Tangible Assets | 14.08% | 11.09% | +2.99% | 86th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.61% | 80.64% | -8.03% | 66th above |
| Core Deposit Ratio | 91.41% | 86.86% | +4.55% | 63rd above |
| Wholesale Funding Ratio | 2.17% | 5.03% | -2.86% | 66th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.61% | 6.85% | -0.24% | 66th above |
| Loan Growth (Y/Y) | -3.57% | 7.91% | -11.48% | 10th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.73% | 6.29% | -0.56% | 62nd above |
See Crossroads Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Crossroads Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Crossroads Bank profile, how to read a UBPR, or how this data updates.