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.
Core deposits to total deposits climbed 1.68 percentage points in Q2 2026, from 91.98% to 93.66%. It was the largest change from Q1 2026 among the key lines here. Within Indiana, Crossroads Bank is 43rd of 87 on return on assets, 1.12% as of Q2 2026, above the middle of the field. Crossroads Bank reported 1.12% on return on assets for Q2 2026, 0.14 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.93% |
| Tier 1 risk-based capital ratio | 13.93% |
| Total risk-based capital ratio | 15.19% |
| Tier 1 leverage ratio | 9.49% |
| Equity capital to assets | 8.53% |
| Tangible equity to tangible assets | 8.38% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.58% |
| Non-performing assets ratio | 1.17% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 12.54% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of non-performing loans | 83.52% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.12% |
| Return on equity | 13.50% |
| Net interest margin | 3.52% |
| Efficiency ratio | 62.88% |
| Yield on earning assets | 5.24% |
| Cost of funds | 1.83% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.13% |
| Core deposits to total deposits | 93.66% |
| Brokered deposits to total deposits | 0.92% |
| Deposits to assets | 89.07% |
| Securities to assets | 16.49% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.05% | 13.05% | 14.30% | 9.21% | 0.73% |
| Q4 2023 | 13.07% | 13.07% | 14.32% | 9.26% | 0.78% |
| Q1 2024 | 13.04% | 13.04% | 14.29% | 9.00% | 0.65% |
| Q2 2024 | 13.29% | 13.29% | 14.54% | 9.06% | 0.77% |
| Q3 2024 | 13.22% | 13.22% | 14.48% | 9.00% | 0.85% |
| Q4 2024 | — | — | — | 9.01% | 0.97% |
| Q1 2025 | 12.88% | 12.88% | 14.13% | 9.29% | 0.94% |
| Q2 2025 | 13.69% | 13.69% | 14.94% | 9.41% | 0.98% |
| Q3 2025 | 13.95% | 13.95% | 15.20% | 9.60% | 1.03% |
| Q4 2025 | 13.89% | 13.89% | 15.14% | 9.64% | 1.09% |
| Q1 2026 | 13.13% | 13.13% | 14.38% | 9.69% | 1.11% |
| Q2 2026 | 13.93% | 13.93% | 15.19% | 9.49% | 1.12% |
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 29839) · FFIEC NIC profile (RSSD 228279)