Crossroads Bank (Wabash, IN)
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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 Wabash, IN, established in 1920 (FDIC certificate 29839), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $616.1M, up 7.7% from Q2 2025, the 34th largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 13.93% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29839
- Headquarters
- Wabash, IN
- Established
- 1920
- Total assets, Q2 2026
- $616.1M
- Assets vs Q2 2025
- +7.7%
- CET1 ratio, Q2 2026
- 13.93%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 274970995
- Latest call report
- Q2 2026, FFIEC 051 · Crossroads Bank call report
- Holding company
- FFW CORPORATION
- Asset rank in state
- 34th of 87 in Indiana
Crossroads Bank, based in Wabash, Indiana, reported $616 million in assets at June 30, 2026, up 7.7% from a year earlier. It carries problem assets equal to 11.0% of the capital and reserves that would absorb them, 4.2 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also funds 9.49% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.39% of loans, down from 1.89% a year earlier. Net income for the quarter rose 21% from a year earlier, to $1.7 million.
As of June 30, 2026, Crossroads Bank reported a CET1 capital ratio of 13.93%, a return on assets of 1.12%, a nonperforming-loan ratio of 1.41% and a Texas ratio of 11.01%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Crossroads Bank is the 34th largest of the 87 banks headquartered in Indiana. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.0% to $616.1M, loans rose 1.4% and deposits rose 2.9%. 1-4 family residential loans made up 45.2% of its total loans on June 30, 2026, its largest category; next came leases at 11.0%. Its 7 offices in the FDIC Summary of Deposits are in 7 cities in IN; its Wabash office books 48% of its branch deposits. Judged on its Q2 2026 call report, Crossroads Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1205 N Cass St, Wabash, IN 46992
- County
- Wabash
- Metro Area
- Wabash, IN
- 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 7, Chicago
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1920
- Former names
- First Federal Savings Bank of Wabash (1987-2008)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 95
- Domestic deposits
- $548.8M
- Allowance for credit losses
- $6.0M
- Net charge-offs (YTD)
- $10K
- Average total assets
- $621.9M
- Average total loans
- $405.6M
- Average interest-bearing deposits
- $481.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29839
- Fed RSSD
- 228279
- SEC CIK
- 895401 → filed by FFW CORPORATION
- Website
- www.crossroadsbanking.com →
- Parent Holding Company
- FFW CORPORATION (RSSD 3848258)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Crossroads Bank's total assets moved between a low of $541.9M (Q3 2023) and a high of $616.1M (Q2 2026) from Q3 2023 to 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
$616.1M total assets against $572.3M; $563.6M total liabilities against $526.6M.
$450.2M net loans and leases against $423.1M; $548.8M total deposits against $512.1M.
$101.6M securities against $103.1M; $31.6M cash and balances due against $13.1M.
$7.5M total interest income against $7.1M; $2.6M total interest expense against $2.6M.
$5.0M net interest income against $4.4M.
$1.1M total noninterest income against $1.0M; $4.0M total noninterest expense against $3.7M.
$150K provision for credit losses against $75K.
$1.7M net income against $1.4M.
1.12% return on assets against 0.98%; 3.52% net interest margin against 3.34%.
13.93% CET1 capital ratio against 13.69%; 9.49% tier 1 leverage ratio against 9.41%.
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 546 of 3,640, for Texas Ratio; its furthest is 2,240 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.85% (Q3 2024) to 1.12% (Q2 2026) and its net interest margin ran from 2.89% (Q3 2024) to 3.52% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.93% | 1.12% | 1.41% | 11.01% | 3.52% |
| Q1 2026 | 13.13% | 1.11% | 1.45% | 11.55% | 3.47% |
| Q4 2025 | 13.89% | 1.09% | 1.54% | 12.18% | 3.51% |
| Q3 2025 | 13.95% | 1.03% | 1.70% | 13.73% | 3.46% |
| Q2 2025 | 13.69% | 0.98% | 1.89% | 16.11% | 3.34% |
| Q1 2025 | 12.88% | 0.94% | 2.03% | 17.26% | 3.13% |
| Q4 2024 | — | 0.97% | 2.05% | 17.46% | 3.03% |
| Q3 2024 | 13.22% | 0.85% | 0.96% | 7.75% | 2.89% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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) | Wabash , IN | 46992 | $261.6M |
| 114 West Branch | North Manchester , IN | 46962 | $64.8M |
| W Connexion Way Branch | Columbia City , IN | 46725 | $52.3M |
| South Whitley Branch | South Whitley , IN | 46787 | $48.8M |
| Warsaw Branch | Warsaw , IN | 46582 | $41.8M |
| 500 S Huntington St Branch | Syracuse , IN | 46567 | $40.1M |
| Peru Branch | Peru , IN | 46970 | $39.4M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC, OCC (former OTS))
- March 25, 2011, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Crossroads Bank
- March 25, 2011, OCC (former OTS): Cease and Desist: Crossroads Bank
- Period: Most recent institution action March 25, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in IN, rank 50 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 232 applications, 205 loans originated, $41.7M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $228K approved, $228K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 $616.1 million in its FFIEC call report.
Where is Crossroads Bank headquartered?
It is headquartered in Wabash, IN, United States.
When was Crossroads Bank founded?
It was established in 1920, per the FDIC institution directory.
Is Crossroads Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #29839). 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.
What is Crossroads Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.93% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Crossroads Bank operate?
It operates 7 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 11.01% 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.
What was Crossroads Bank previously called?
The charter now named Crossroads Bank has also operated as First Federal Savings Bank of Wabash (1987-2008), per FDIC structure-change records.
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