Crossroads Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income climbed 12.4% in Q2 2026, from -$9.3M to -$8.1M. It was the largest change from Q1 2026 among the key lines here. Within Indiana, Crossroads Bank is 22nd of 50 on CET1 ratio, 13.93% as of Q2 2026, above the middle of the field. Crossroads Bank reported 13.93% on CET1 ratio for Q2 2026, 1.14 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.93% |
| Tier 1 risk-based capital ratio | 13.93% |
| Total risk-based capital ratio | 15.19% |
| Tier 1 leverage ratio | 9.49% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $59.7M |
| Tier 1 capital | $59.7M |
| Total risk-based capital | $65.1M |
| Total equity capital | $52.5M |
| Risk-weighted assets | $428.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.53% |
| Tangible equity to tangible assets | 8.38% |
| Equity capital to average assets | 8.45% |
| Internal capital growth rate | 7.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $8K |
| Common stock surplus | $10.7M |
| Retained earnings | $50.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.05% | 13.05% | 14.30% | 9.21% | $390.2M |
| Q4 2023 | 13.07% | 13.07% | 14.32% | 9.26% | $393.1M |
| Q1 2024 | 13.04% | 13.04% | 14.29% | 9.00% | $398.1M |
| Q2 2024 | 13.29% | 13.29% | 14.54% | 9.06% | $399.4M |
| Q3 2024 | 13.22% | 13.22% | 14.48% | 9.00% | $403.3M |
| Q4 2024 | — | — | — | 9.01% | — |
| Q1 2025 | 12.88% | 12.88% | 14.13% | 9.29% | $428.7M |
| Q2 2025 | 13.69% | 13.69% | 14.94% | 9.41% | $411.2M |
| Q3 2025 | 13.95% | 13.95% | 15.20% | 9.60% | $408.2M |
| Q4 2025 | 13.89% | 13.89% | 15.14% | 9.64% | $416.5M |
| Q1 2026 | 13.13% | 13.13% | 14.38% | 9.69% | $447.3M |
| Q2 2026 | 13.93% | 13.93% | 15.19% | 9.49% | $428.4M |
Crossroads Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Crossroads Bank, freeSource: Call Report Schedule RC-R, 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 29839) · FFIEC NIC profile (RSSD 228279)