Crossroads 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.
Reserve coverage of non-performing loans dropped 706.97 percentage points in Q2 2026, from 2372.88% to 1665.91%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Crossroads Bank is 139th of 323 on return on assets, 1.29% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets; Crossroads Bank reported 1.29% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.97% |
| Equity capital to assets | 14.08% |
| Tangible equity to tangible assets | 14.08% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.06% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.25% |
| Allowance for credit losses to loans | 1.04% |
| Reserve coverage of non-performing loans | 1665.91% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.29% |
| Return on equity | 9.46% |
| Net interest margin | 3.25% |
| Efficiency ratio | 43.63% |
| Yield on earning assets | 4.85% |
| Cost of funds | 1.84% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.61% |
| Core deposits to total deposits | 91.41% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.07% |
| Securities to assets | 23.92% |
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 | 15.78% | 1.33% | 2.88% | 0.00% | 0.00% |
| Q4 2023 | 15.91% | 1.26% | 2.87% | 0.00% | 0.00% |
| Q1 2024 | 15.52% | 1.01% | 2.55% | 0.00% | 0.00% |
| Q2 2024 | 15.52% | 0.93% | 2.68% | 0.00% | 0.00% |
| Q3 2024 | 15.73% | 1.07% | 2.63% | 0.00% | 0.00% |
| Q4 2024 | 15.51% | 1.03% | 2.65% | 0.00% | 0.00% |
| Q1 2025 | 16.09% | 0.97% | 2.75% | 0.00% | 0.00% |
| Q2 2025 | 16.54% | 1.12% | 2.99% | 0.00% | 0.00% |
| Q3 2025 | 16.39% | 1.07% | 3.08% | 0.00% | 0.00% |
| Q4 2025 | 15.63% | 1.27% | 3.02% | 0.00% | 0.00% |
| Q1 2026 | 15.75% | 1.48% | 3.09% | 0.04% | 0.00% |
| Q2 2026 | 15.97% | 1.29% | 3.25% | 0.06% | 0.00% |
Crossroads Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Crossroads 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 Crossroads Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21486) · FFIEC NIC profile (RSSD 158741)