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 Wabash, IN 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 | 1.12% | 1.34% | -0.22% | 40th below |
| ROAE | 13.50% | 13.31% | +0.19% | 57th above |
| Net Interest Margin | 3.52% | 3.93% | -0.41% | 28th below |
| Efficiency Ratio | 62.88% | 61.14% | +1.74% | 45th below |
| PPNR / Avg Assets | 1.35% | 1.68% | -0.33% | 36th below |
| Yield on Earning Assets | 5.24% | 5.67% | -0.43% | 32nd below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.83% | 1.88% | -0.05% | 48th below |
| Net Interest Spread | 3.15% | 3.32% | -0.17% | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.58% | 0.94% | +0.64% | 17th bottom |
| NPA / Total Assets | 1.17% | 0.70% | +0.47% | 16th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 45th below |
| ACL / Total Loans | 1.32% | 1.28% | +0.04% | 65th above |
| ACL / NPLs (Coverage) | 83.52% | 1539.62% | -1456.10% | 22nd bottom |
| Texas Ratio | 12.54% | 7.33% | +5.21% | 16th bottom |
| Provision / NCO | 1570.00% | 1395.33% | +174.67% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.93% | 19.51% | -5.58% | 38th below |
| Tier 1 Ratio | 13.93% | 19.54% | -5.61% | 38th below |
| Total Capital Ratio | 15.19% | 20.63% | -5.44% | 39th below |
| Leverage Ratio | 9.49% | 12.14% | -2.65% | 21st bottom |
| Equity / Assets | 8.53% | 11.38% | -2.85% | 20th bottom |
| TCE / Tangible Assets | 8.38% | 11.09% | -2.71% | 21st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.13% | 80.64% | +2.49% | 45th below |
| Core Deposit Ratio | 93.66% | 86.86% | +6.80% | 77th top |
| Wholesale Funding Ratio | 1.62% | 5.04% | -3.42% | 74th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.67% | 6.85% | +0.82% | 73rd above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.38% | 7.90% | -1.52% | 57th above |
| Deposit Growth (Y/Y) | 7.16% | 6.29% | +0.87% | 71st 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.