Crossroads Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Total interest expense rose 5.5% from Q1 2026 to Q2 2026, ending at $2.6M against $2.4M. It was the largest change among the key lines on this page. Within Indiana, Crossroads Bank is 52nd of 87 on net interest margin, 3.52% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Crossroads Bank sits 0.43 points lower, at 3.52% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.24% |
| Yield on loans | 5.80% |
| Yield on securities | 3.42% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.83% |
| Cost of interest-bearing deposits | 2.00% |
| Cost of interest-bearing liabilities | 2.09% |
| Cost of borrowings | 3.77% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.52% |
| Yield to cost spread | 3.15% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.8M |
| Total interest expense | $2.6M |
| Interest expense on deposits | $2.4M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.85% | 1.89% | 3.02% | 5.16% | 3.74% |
| Q4 2023 | 5.05% | 2.08% | 3.01% | 5.33% | 3.88% |
| Q1 2024 | 5.01% | 2.21% | 2.88% | 5.33% | 3.76% |
| Q2 2024 | 5.15% | 2.29% | 2.94% | 5.45% | 3.94% |
| Q3 2024 | 5.11% | 2.36% | 2.89% | 5.57% | 3.49% |
| Q4 2024 | 5.10% | 2.19% | 3.03% | 5.54% | 3.51% |
| Q1 2025 | 5.03% | 2.01% | 3.13% | 5.47% | 3.50% |
| Q2 2025 | 5.25% | 2.01% | 3.34% | 5.73% | 3.53% |
| Q3 2025 | 5.35% | 2.01% | 3.46% | 5.84% | 3.54% |
| Q4 2025 | 5.32% | 1.94% | 3.51% | 5.81% | 3.51% |
| Q1 2026 | 5.16% | 1.81% | 3.47% | 5.65% | 3.45% |
| Q2 2026 | 5.24% | 1.83% | 3.52% | 5.80% | 3.42% |
Crossroads Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Crossroads Bank, freeSource: Call Report Schedules RI and RC-K, 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)