Crossroads Bank (Yoakum, TX)
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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 Yoakum, TX, established in 1931 (FDIC certificate 10709), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $380.7M, up 8.5% from Q2 2025, the 187th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.64% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10709
- Headquarters
- Yoakum, TX
- Established
- 1931
- Total assets, Q2 2026
- $380.7M
- Assets vs Q2 2025
- +8.5%
- Tier 1 leverage ratio, Q2 2026
- 11.64%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 114917924
- Holding company
- FIRST STATE BANCSHARES OF YOAKUM, INC.
- Asset rank in state
- 187th of 346 in Texas
Crossroads Bank is one of the more profitable banks of its size. Its balance sheet stood at $381 million at June 30, 2026, up 8.5% from a year earlier; it is based in Yoakum, Texas. It earns about $2.67 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 41 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
The commercial and industrial book ($40 million) is worsening: 15.85% of it is past due or on nonaccrual, up from 4.67% a year earlier. Net income for the quarter rose 28% from a year earlier, to $2.5 million. Credit is the area to watch: it carries problem assets equal to 14.6% of the capital and reserves that would absorb them, 5.5 times the median of 2.6% for banks its size.
As of June 30, 2026, Crossroads Bank reported a return on assets of 2.67%, a nonperforming-loan ratio of 2.29% and a Texas ratio of 14.63%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Crossroads Bank is the 187th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.1% to $380.7M, loans rose 1.0% and deposits fell 0.5%. 1-4 family residential loans made up 41.7% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 18.6%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in TX; its Yoakum office books 72% of its branch deposits. Judged on its Q2 2026 call report, Crossroads Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 406 W Grand Ave, Yoakum, TX 77995
- County
- Dewitt
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1931
- Former names
- First State Bank (2006-2018)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 49
- Domestic deposits
- $345.4M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $188K
- Average total assets
- $376.4M
- Average total loans
- $211.2M
- Average interest-bearing deposits
- $275.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10709
- Fed RSSD
- 564463
- Website
- www.crbanktx.com →
- Parent Holding Company
- FIRST STATE BANCSHARES OF YOAKUM, INC. (RSSD 1107812)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Crossroads Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Crossroads Bank's total assets ran between $316.6M (Q3 2023) and $381.2M (Q1 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
$380.7M total assets against $350.9M; $347.3M total liabilities against $325.3M.
$210.3M net loans and leases against $202.3M; $345.4M total deposits against $323.5M.
$136.0M securities against $101.0M; $19.8M cash and balances due against $32.7M.
$5.2M total interest income against $4.7M; $1.4M total interest expense against $1.4M.
$3.8M net interest income against $3.3M.
$707K total noninterest income against $538K; $1.9M total noninterest expense against $1.8M.
$125K provision for credit losses against $70K.
$2.5M net income against $2.0M.
2.67% return on assets against 2.30%; 4.26% net interest margin against 4.05%.
11.64% tier 1 leverage ratio against 11.36%.
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 116 of 3,611, for ROA; its furthest is 2,136 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.48% (Q4 2024) to 2.67% (Q2 2026) and its net interest margin ran from 3.88% (Q3 2024) to 4.26% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.64% | 2.67% | 2.29% | 14.63% | 4.26% |
| Q1 2026 | 11.11% | 2.49% | 2.27% | 14.86% | 4.11% |
| Q4 2025 | 10.74% | 1.61% | 2.32% | 16.55% | 4.09% |
| Q3 2025 | 11.30% | 2.33% | 2.42% | 16.74% | 4.05% |
| Q2 2025 | 11.36% | 2.30% | 2.35% | 18.65% | 4.05% |
| Q1 2025 | 11.20% | 1.84% | 2.36% | 19.56% | 3.96% |
| Q4 2024 | 10.93% | 1.48% | 2.81% | 23.84% | 4.01% |
| Q3 2024 | 11.41% | 1.98% | 2.90% | 20.71% | 3.88% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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) | Yoakum , TX | 77995 | $248.5M |
| Moulton Branch | Moulton , TX | 77975 | $43.3M |
| Victoria Branch | Victoria , TX | 77904 | $27.4M |
| Crossroads Bank Branch | Hallettsville , TX | 77964 | $26.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 223 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 94 applications, 73 loans originated, $12.4M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $300K approved, $300K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 $380.7 million in its FFIEC call report.
Where is Crossroads Bank headquartered?
It is headquartered in Yoakum, TX, United States.
When was Crossroads Bank founded?
It was established in 1931, per the FDIC institution directory.
Is Crossroads Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10709). 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.
How many branches does Crossroads Bank operate?
It operates 4 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 14.63% 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 State Bank (2006-2018), per FDIC structure-change records.
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